pacs.008 Tracker

Last reviewed: · Curated by Ohmyfin Organisation editorial.

pacs.008 is the ISO 20022 replacement for the SWIFT MT103. Ohmyfin tracks pacs.008 messages by UETR, exactly the same way as MT103.

Free for individuals worldwide · 10 lookups per day, no signup required.

How it works — 3 steps

  1. Step 1 · PasteDrop your UETR, MT103 reference or pacs.008 EndToEndId into the form above.
  2. Step 2 · ScanOhmyfin queries the SWIFT correspondent network and decodes the latest status in 2-6 seconds.
  3. Step 3 · ReadSee the plain-English status, every correspondent bank, value date, currency and per-hop fees.

What you get

At-a-glance

pacs.008 Tracker — at-a-glance specifications
Tracker typeISO 20022 customer credit transfer
Inputs acceptedUETR
ReplacesSWIFT MT103 (cut-over Nov 2025)
FormatXML, structured remittance up to 9,000 chars
Price for individualsFree worldwide

Frequently asked questions

When is MT103 fully replaced?

SWIFT MT/MX coexistence ends in November 2025; after that, customer credit transfers must be pacs.008.

What does pacs.008 add over MT103?

Richer structured data — beneficiary address blocks, structured remittance up to 9,000 chars, full purpose codes, and explicit charges-bearer semantics. The UETR is the same.

Is pacs.008 always XML?

Yes — pacs.008 messages are ISO 20022 XML. Banks usually expose a JSON shim to customers, but the wire format is XML.

Does Ohmyfin display the structured remittance?

Yes — when the bank exposes it. Long structured remittance is shown verbatim with line breaks preserved.

Can I track a pacs.008 by EndToEndId?

Yes — Ohmyfin accepts EndToEndId as a fallback when a UETR is not available, although UETR remains more reliable.

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