Track a SWIFT payment by UETR
Use this page when you already have a Unique End-to-end Transaction Reference (UETR) and need the latest available status for a cross-border SWIFT payment.
Details
A UETR is a UUID-style, 36-character reference in the format 8-4-4-4-12. It is created by the sending bank and remains attached to the payment as it moves through correspondent banks. On an MT103, it is normally shown in block 3, field 121. Copy the complete value, including dashes, into the tracker.
Before searching, check that the reference has five groups, contains only hexadecimal characters and has 4 as the first character of the third group. Do not paste an account number, beneficiary reference or card transaction ID. Those identifiers cannot be queried as UETRs.
A returned status describes the latest event available from a connected tracking source. Accepted or in-process does not mean the beneficiary has been credited; credited is the terminal confirmation. A rejected or held payment normally requires the sender's bank to investigate because only a bank can amend, recall or release payment instructions.
If no record is found, confirm the UETR directly from the sender's MT103 or payment confirmation, check the value date, and try again after propagation time. If it remains unavailable, ask the sending bank's international-payments team to open a GPI investigation using the same UETR.
Key facts
- Best input: the complete 36-character UETR from MT103 field 121
- Checks the latest status available from connected GPI and bank sources
- Does not require online-banking credentials
- A not-found result is not proof that a payment was never sent
- Only the sending bank can amend, recall or formally investigate a transfer
Frequently asked questions
Where can I find the UETR?
Look on the SWIFT payment confirmation or ask the sending bank for field 121 from the MT103. It is a 36-character reference split into five groups by dashes.
Why is my UETR not found?
Common causes include a copying error, a payment that has not yet been released, propagation delay, an unsupported source, or an older record outside a bank's retention period. Confirm the reference and value date with the sender.
Does accepted mean the beneficiary has the money?
No. Accepted and in-process statuses indicate processing stages. Look for a credited or completed status, then ask the beneficiary bank to locate the incoming credit if it is not visible in the account.
Is it safe to enter a UETR?
A UETR is a payment identifier, not a banking password. Do not enter account credentials, card details, one-time codes or other sensitive information.
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