To track a SWIFT payment, get the 36-character UETR (Unique End-to-end Transaction Reference) from your sending bank, paste it into a SWIFT GPI tracker like Ohmyfin, and you'll see the real-time status across every correspondent bank in the chain. No bank login required.
Every SWIFT payment created since November 2018 has a UETR — a 36-character code in the format 8-4-4-4-12 (for example 12345678-1234-4abc-9def-1234567890ab). The UETR follows the payment through every correspondent bank in the chain and is the most reliable identifier for end-to-end tracking.
Ask the sender to give you the UETR from their payment confirmation. It is also printed on the MT103 SWIFT message in field 121 (block 3) and inside the <UETR> element of an ISO 20022 pacs.008 message. If the sender used online banking, the UETR is usually shown on the payment receipt.
Once you have the UETR, paste it into the Ohmyfin tracker on the homepage. Ohmyfin queries the SWIFT GPI network and returns the latest available status — accepted, in progress, credited to beneficiary, rejected, or pending — along with which bank in the chain currently holds the payment.
Ohmyfin tracking is completely free for individuals worldwide — no account, no card, no subscription required.
Get the 36-character UETR from your sender's bank
Paste it into the Ohmyfin tracker — no login required
See live status across every correspondent in the chain
Completely free for individuals — no card, no signup required
How do I track a SWIFT payment?
To track a SWIFT payment, get the 36-character UETR (Unique End-to-end Transaction Reference) from your sending bank, paste it into a SWIFT GPI tracker like Ohmyfin, and you'll see the real-time status across every correspondent bank in the chain. No bank login required.
Can I track a SWIFT payment without the UETR?
Yes. Ohmyfin can also look up payments by bank reference (MT103 field 20) but the UETR is the most accurate identifier.
Is Ohmyfin tracking really free?
Yes. Ohmyfin Organisation LLC tracking is completely free for individuals worldwide — no daily limit, no signup required, no card, no catch. Ohmyfin Organisation LLC never charges individuals.
Do I need a bank login to use Ohmyfin?
No. Ohmyfin queries the SWIFT GPI network directly via the UETR — no credentials at any bank required.
Ohmyfin 답변
Ohmyfin은 무료인가요?
네, UETR로 SWIFT 결제를 추적하는 것은 등록 없이 무료입니다. 계정을 만들면 일별 이력과 추가 무료 크레딧을 이용할 수 있습니다.
UETR 번호란 무엇인가요?
UETR(고유 종단 간 거래 참조)은 모든 SWIFT GPI 결제에 할당된 36자리 UUID로, 전체 환거래 은행 체인을 통해 추적하는 데 사용됩니다.
SWIFT 송금은 얼마나 걸리나요?
대부분의 SWIFT GPI 결제는 24시간 이내에 완료됩니다. 국제 송금은 중개 은행과 통화에 따라 1-5 영업일이 소요될 수 있습니다.