BMO (Bank of Montreal) SWIFT Payment Tracker
Use Ohmyfin to track any SWIFT international payment sent or received through BMO (Bank of Montreal) (BOFMCAM2, Canada). Free, no bank login required, no account needed. Paste the 36-character UETR from your BMO (Bank of Montreal) payment confirmation and you'll see the live SWIFT GPI status in seconds — including which correspondent bank currently holds the funds, the value date, charges and any rejection reason code.
Details
BMO (Bank of Montreal) at a glance: BMO international wires (BMO Online Banking, BMO Global Markets) are GPI-enabled and show the UETR on the wire confirmation.
Rails BMO (Bank of Montreal) runs over: LVTS, Lynx, SWIFT GPI. Every outbound international payment carries a 36-character UETR (Unique End-to-end Transaction Reference) in SWIFT field 121. The UETR is the only thing you need to track the payment on Ohmyfin — no BMO (Bank of Montreal) credentials.
Where to find the UETR on a BMO (Bank of Montreal) payment: on the international payment confirmation (PDF or email), in online banking under "Transaction details" → "Payment reference", or by asking BMO (Bank of Montreal) for a copy of the MT103 message — the UETR is field 121.
What you'll see when you track: the latest SWIFT GPI status (ACSP in flight, ACSC settled at next bank, ACCC credited to beneficiary, RJCT rejected, PDNG pending, CANC cancelled), the bank that currently holds the funds, the value date, all charges deducted at each correspondent, and any rejection reason code with plain-English explanation.
Why Ohmyfin and not just BMO (Bank of Montreal)'s own tracker? Ohmyfin is free and public — you don't need a BMO (Bank of Montreal) login. Ohmyfin also surfaces the full corridor (every correspondent the payment touched), not just the bank's own portion. And Ohmyfin keeps tracking history longer than most bank portals.
Key facts
- Bank: BMO (Bank of Montreal)
- BIC / SWIFT code: BOFMCAM2
- Head office: Canada
- Payment rails: LVTS, Lynx, SWIFT GPI
- Trackable on Ohmyfin: yes — free, no login
- Input required: 36-character UETR (field 121 of your MT103)
Frequently asked questions
How do I track a SWIFT payment sent from BMO (Bank of Montreal)?
Get the 36-character UETR from your BMO (Bank of Montreal) payment confirmation (online banking → transaction details → payment reference, or from the MT103 PDF field 121). Paste it into the Ohmyfin tracker on the homepage. You'll see the live SWIFT GPI status in seconds. No BMO (Bank of Montreal) login required.
Where is the UETR on a BMO (Bank of Montreal) payment confirmation?
On the international payment confirmation (PDF or email) under "Reference details" / "Payment reference", or in BMO (Bank of Montreal) online banking under the transaction's "Details" tab. If you can't find it, request a copy of the MT103 from BMO (Bank of Montreal) — the UETR is in field 121, formatted like 8-4-4-4-12 hexadecimal characters.
Why isn't my BMO (Bank of Montreal) payment showing yet?
Common reasons: (1) the payment has not been released by BMO (Bank of Montreal) yet — wires sent after the cut-off go out the next business day; (2) compliance / sanctions screening is still in progress; (3) the receiving correspondent has not yet reported back; (4) you typed the UETR wrong (it is 36 characters with 4 dashes). Try again in 1-2 hours.
Is BMO (Bank of Montreal) SWIFT tracking free on Ohmyfin?
Yes. Tracking any BMO (Bank of Montreal) international payment by UETR on Ohmyfin is free for ordinary users — completely free for individuals — 10 free trackings/day per IP, no signup, no card required.
Does Ohmyfin work for both incoming and outgoing BMO (Bank of Montreal) payments?
Yes. The UETR travels with the payment from origin to beneficiary, so anyone in the chain — sender, beneficiary, intermediary, even a third party with the UETR — can track it on Ohmyfin. You do not need to be a BMO (Bank of Montreal) customer.
What status codes will I see for a BMO (Bank of Montreal) payment?
The most common are ACSP (accepted, settlement in process — in flight), ACSC (accepted, settlement complete — funds at the next bank), ACCC (accepted, credit settlement completed — credited to the beneficiary), ACCP (accepted customer profile), PDNG (pending, usually compliance), RJCT (rejected — see the reason code), CANC (cancelled / recalled).
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