How to Find the UETR on an 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.

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1UETR (Unique End-to-End Transaction Reference) What is a UETR?

36-character UUID from your MT103 field 121 or pacs.008 <UETR> tag. Where to find it →

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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.

Quick facts:

Key facts

Format: 8-4-4-4-12 hex characters with 4 dashes (RFC 4122 v4 UUID).
Located in MT103 block 3, tag 121.
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?

Is Ohmyfin tracking free?

Yes. Public UETR tracking on Ohmyfin is free — 10 free trackings per day per IP address with no signup, or 15/day plus 100 welcome credits after a free account; no card 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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How to Find the UETR on an MT103

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