Last reviewed: · Curated by Ohmyfin Organisation editorial.
Have a bank-issued TRN (Transaction Reference Number) and want to know where the payment is? Paste it into the Ohmyfin tracker — Ohmyfin searches both UETR and bank-reference indices and returns the latest available SWIFT payment status.
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
Looks up TRNs from MT103 field 20 / pacs.008 EndToEndId
Returns the latest SWIFT payment status when available
Works for sender, beneficiary or finance teams
10 free searches per day — no card, no signup
At-a-glance
TRN Tracker — Transaction Reference Number Lookup — at-a-glance specifications
Tracker type
Transaction Reference Number
Inputs accepted
TRN, UETR, or EndToEndId
Coverage
MT103 field 20 + pacs.008 EndToEndId index
Speed
2-6 seconds
Price for individuals
Free worldwide
Frequently asked questions
TRN vs UETR — which one should I use?
A TRN is bank-specific; a UETR is global and tracks the payment end-to-end through every correspondent. If you have both, prefer the UETR. Ohmyfin accepts either.
Where do I get the TRN?
On your bank confirmation, in your online-banking transaction history, or by asking your bank to read out field 20 from the MT103.
Is a TRN the same as an ARN?
No. ARN (Acquirer Reference Number) is a card-network concept used in Visa / Mastercard refunds. A TRN is bank-issued and refers to a wire or SWIFT payment. Ohmyfin tracks TRNs, not ARNs.
How long is a TRN?
Length varies by bank — typically 8 to 16 alphanumeric characters. Ohmyfin accepts any length up to 64 characters.
Can I track a SEPA payment with a TRN?
No — Ohmyfin tracks SWIFT cross-border payments. SEPA payments live on a different rail and are tracked by EndToEndId via the receiving bank.