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.