Last reviewed: · Curated by Ohmyfin Organisation editorial.
You do not need a UETR to track a SWIFT payment on Ohmyfin. Paste the payment reference your bank gave you and Ohmyfin searches the SWIFT correspondent banking network for a match.
How it works — 3 steps
Step 1 · PasteDrop your UETR, MT103 reference or pacs.008 EndToEndId into the form above.
Step 2 · ScanOhmyfin queries the SWIFT correspondent network and decodes the latest status in 2-6 seconds.
Step 3 · ReadSee the plain-English status, every correspondent bank, value date, currency and per-hop fees.
What you get
Accepts UETR, MT103 field 20, or pacs.008 EndToEndId
Latest SWIFT status in seconds
Works whether you sent or received the payment
Free for individuals worldwide — only financial institutions pay Ohmyfin
It depends on whether your bank propagated that reference through the SWIFT network. Ohmyfin will tell you immediately if no match is found.
What is the difference between UETR and a bank reference?
A UETR is the standardised 36-character SWIFT identifier added by the originating bank. A bank reference (MT103 field 20) is shorter, free-text and chosen by the sender. UETR is more reliable for tracking.
Will Ohmyfin show the sender or beneficiary name?
For privacy reasons Ohmyfin only displays bank names and BICs in the correspondent chain, never the customer names attached to the payment.
Is my search visible to my bank?
No. Lookups on Ohmyfin are not visible to the sending or beneficiary bank. We query public SWIFT status indices in a read-only manner.
What if I have only the SWIFT confirmation PDF?
Open the PDF, copy the UETR or field-20 reference, and paste it into Ohmyfin. If the value you copy returns "not found", the PDF may be forged.