Last reviewed: · Curated by Ohmyfin Organisation editorial.
The UETR is in field 121 of the MT103 message, located in block 3 (User Header). It is a 36-character UUID with 4 dashes, e.g. 9b2f5d4a-6e8c-4d1b-a7f3-2c9e1b8a4d6f. If your bank gives you a PDF MT103 confirmation, the UETR is usually labelled "UETR" or "Unique end-to-end transaction reference" near the top of the document.
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Fraud Awareness Notice
If you received a payment document from a third party, verify directly with your own bank before releasing goods or funds. Fake MT103 / pacs.008 confirmations are widely used in advance-fee scams. See our fraud guide →
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Details
Step-by-step:
1. Open your MT103 confirmation (PDF or text message).
2. Look for a 36-character string with 4 dashes — format: 8-4-4-4-12 hex characters.
3. It may be labelled "UETR", "Unique End-to-end Transaction Reference", "Field 121", or appear under a SWIFT header section.
4. If you see only a TRN (bank reference, usually shorter), that is NOT a UETR — TRN is bank-specific. Ask the sender for the UETR explicitly.
5. Copy the UETR (with dashes) into the Ohmyfin tracker on the homepage.
Mandatory on every GPI payment since November 2018.
The same UETR appears in MT103, MT202COV, pacs.008 and pacs.002 messages of the same payment.
Frequently asked questions
Where is the UETR on a SWIFT MT103?
The UETR is in field 121 of the MT103 message, located in block 3 (User Header). It is a 36-character UUID with 4 dashes, e.g. 9b2f5d4a-6e8c-4d1b-a7f3-2c9e1b8a4d6f. If your bank gives you a PDF MT103 confirmation, the UETR is usually labelled "UETR" or "Unique end-to-end transaction reference" near the top of the document.
Is Ohmyfin tracking free?
Yes. Public UETR tracking on Ohmyfin is free, with completely free for individuals worldwide — no daily limit, no card, no signup required.
Do I need a bank account at the sending bank?
No. Ohmyfin looks up the SWIFT payment status with just the UETR — no bank login or account required.
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