TL;DR (one-line)
UETR is the 36-character unique tracking ID used on SWIFT payments. If both sender and intermediaries participate in SWIFT gpi you can track the payment in real-time via your bank's mobile app, if not, use an independent tracker such as ohmyfin.ai or ask the sending bank to initiate a payment investigation.
Check your bank's mobile app
Most of the cross-border payments in the world are sent over SWIFT network. In the U.S. they also sometimes called international wire transfers.
SWIFT gpi (Global Payments Innovation) is the SWIFT program that provides real-time tracking, updates, and faster settlement for participating banks. Only banks that have joined SWIFT gpi (and who expose tracking in their client portals or via the SWIFT tracker) will show the full gpi trace. Many banks provide their own client trackers (or allow access via SWIFT tools), but not every bank or corridor provides live gpi tracking — membership and implementation vary by bank and region.
What if your bank doesn't have payment tracker?
Sometimes banks can provide payment status via customer support. However if bank is not a participant of SWIFT GPI and doesn't have strong technical team to build SWIFT Basic Tracking integration, they won't be able to help you. Since Deutsche Bank payment tracker doesn't work anymore, there is only one publicly available alternative - Ohmyfin.
What do you need before start?
Gather these items — you’ll need at least the first two to do a reliable trace:
- UETR (36 characters) — unique transaction identifier in SWIFT. It is often available in the payment confirmation form and looks smth like that: 1919E0CC-3596-4FBA-8C94-EF2FB11119BB (we have slightly changed the real number to avoid scam). If you have MT103 form it is in the header, in the field number 121.
- Reference Number - it is also an identifier of the payment, but it is different in every bank in the chain. For the tracking purposes you would need a reference number from the sending financial institution. In MT103 payment confirmation form it is in the field 20. Just to be clear it is not a purpose of the payment (payment details).
- Payment amount, currency, and value date.
- Sender and beneficiary bank's SWIFT/BIC codes - optional for tracking, but will be useful for the route analysis feature. They are 8 or 11 symbols identifiers like DEUTDEFF or DEUTDEFFXXX.
This information is typically available in the MT103 SWIFT payment confirmation form (or pacs_008 as they call it now).
Step 1 — Fill-in payment details
Go to the main tracking page of Ohmyfin and fill in all details:
Do not skip the fields and do not put random details. Even if your payment will be located with the wrong date of payment, you may miss some important details from intermediary banks. Make sure date of payment is the date of valutation - if you send the payment on Friday evening, the bank will send it on Monday. You should place Monday's date in this case. Check the MT103 form before tracking.
Advice: Always use the calendar in the form to select the date. It is in the European format, DD.MM.YYYY. Using the visual date selector will help to avoid mistakes.
Advice: “Scan MT103” feature allows to use AI for extracting data from MT103 form. It also has a basic validation - if your counterpart sent you a fake MT103, you may get a warning (but do not solely rely on that!)
Step 2 — Sign up if your payment was located
If your payment was not tracked you should receive message like this. In this case you need to double-check UETR / reference and all other details. Sometimes the payment is sent not over SWIFT (often with CNY payment in mainland China), or it is by some reason untrackable.
In case your payment was located you will see a preview of available information and will be asked to sign-up:
Step 3 — One-time-charge or subscription
Ohmyfin often changes their pricing model, therefor this information only makes sense on the date of this article (August 11th, 2025). One-time charge for payment tracking is $4.49 for a single tracking and $7.99 for 10 tracking attempts of the same payment. Alternatively you can select monthly subscriptions which starts from $19.99/month.
I always recommend to use 10 tracking attempts option because there are far more advantages:
- route analysis (you can see potential banks which were in between sender's and beneficiary's bank)
- email updates - ohmyfin's system will check the payment status every 3 hours and send you emails
- 10 tracking attempts instead of 1, because payment can stuck up to 2 months.
If you are in the business of cross-border payments, you may consider subscriptions.
Step 4 — Results interpretation
Normally you get the following general status results:
- ACSP - the payment is in process
- ACCC - the payment was credited to the beneficiary
- RJCT - the payment was rejected
You can also view the date of the most recent update, indicating when one of the banks last took action on this payment.
For 50% of USD payments you also can see the status in one or several intermediary banks, so you may have a better understanding of what's going on.
Step 5 — Using your payment dashboard
After the registration you have a Tracking Dashboard available at ohmyfin where you can enroll in email updates or share payment status results with your counterpart:
Step 6 — Analyzing the payment route
Ohmyfin provides the payment route analysis based on the correspondent relations data. So it's not the actual route, but potentially available. Here we can see that the EUR payment from Lovcen Banka could be sent via one of 3 EUR correspondents. The exact correspondent we can check in the header of MT103 form. We also see that Bank of America relies on their UK subsidiary BOFAGB22 as EUR correspondent.
Troubleshooting tips
Always copy/paste the full UETR — minor typos mean “no result.” Swift
If the sender is a payment platform, ask them for a copy of the MT103 — it contains routing references you can show the beneficiary bank. Skydo
Use both bank trackers (if you have access) and independent trackers to collect evidence before escalating.
Try tracking with different dates (+1 / +2 days from the order placement) if your payment was not traced.
FAQ
Q: Can anyone use SWIFT gpi tracker?
A: No — full gpi tracking requires the banks involved to be gpi participants and to expose tracking. Many banks offer client trackers but access and visibility depend on contractual setup.
Q: What if I don’t have a UETR?
A: Ask the sender for it or ask the sending bank to provide MT103/transaction confirmation. If you don’t have a UETR, most of the time you won't be able to track the payment (you still may try on ohmyfin.ai though).
Q: Will independent trackers always find my payment?
A: No — independent services depend on public/partnered data. However we normally are able to find 90% of USD/EUR payments there.
Q: Is Ohmyfin Legit?
A: Yes - Ohmyfin.ai is a legitimate platform designed to help individuals and businesses track international payments when their bank does not offer SWIFT gpi tracking. Be aware that there are a lot of scam attempt to clone their website. They have a lot of API integrations with banks in different countries.
Q: Is Ohmyfin the same like TrackMySwift?
A: Yes — TrackMySwift was renamed to Ohmyfin in 2025.