Last reviewed: · Curated by Ohmyfin Organisation editorial.
In a pacs.008 (FIToFICustomerCreditTransfer) the UETR is in the element <UETR> inside <PmtId> inside <CdtTrfTxInf>. The full XPath is: Document/FIToFICstmrCdtTrf/CdtTrfTxInf/PmtId/UETR. It is a 36-character UUID v4.
Details
Step-by-step:
1. Open the pacs.008 XML message in a text editor or viewer.
2. Search for the tag <UETR> — there is exactly one per payment.
3. Copy the value (a 36-character UUID with 4 dashes) into the Ohmyfin tracker.
Quick facts:
Key facts
XPath: //CdtTrfTxInf/PmtId/UETR
Format: RFC 4122 UUID v4 (36 chars with 4 dashes)
Mandatory on every CBPR+ pacs.008 since March 2023
Same UETR appears in the matching pacs.002 status report
Frequently asked questions
Where is the UETR on an ISO 20022 pacs.008 message?
In a pacs.008 (FIToFICustomerCreditTransfer) the UETR is in the element <UETR> inside <PmtId> inside <CdtTrfTxInf>. The full XPath is: Document/FIToFICstmrCdtTrf/CdtTrfTxInf/PmtId/UETR. It is a 36-character UUID v4.
Is Ohmyfin tracking free?
Yes. Public UETR tracking on Ohmyfin is free, with 10 free scans per IP per day for individuals worldwide and 100 free credits when you sign up.
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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