About uetr.ai
A transfer that has gone quiet is rarely lost. It is unreported. uetr.ai exists to close that gap: give us the 36-character UETR from your confirmation and we read what the banks in the chain have published, assemble it into one timeline, translate every status code into plain English, and keep watching long after you close the tab. We are not a bank, not SWIFT, and not a payment processor. We never touch your money. Watching it move is the whole point.
Trusted by employees at Fortune Global 500 companies, and by thousands of businesses and individuals across 120+ countries.
uetr.ai has already traced the equivalent of over USD 1.8 billion in SWIFT transfers, across 29 currencies.
What uetr.ai does
- ·Takes a 36-character UETR and checks public SWIFT gpi tracker sources at multiple banks in the payment chain, not just the one that sent it.
- ·Assembles the events into a plain-English timeline showing where the transfer is, which bank is delaying it, and what each status code means.
- ·Keeps re-checking after you close the tab. Free tracking re-checks once a day for 30 days; paid plans re-check every few minutes. Either way, we email you when the status changes.
- ·Translates raw SWIFT codes (ACSP, ACSC, ACCC, PDNG, RJCT) into the bank-portal wording you will see as a customer.
What uetr.ai deliberately does not do
- ·Hold, move, custody, send, receive, or process funds of any kind.
- ·Touch your online banking. No passwords. No OTP codes. No account access.
- ·Release, cancel, recall, speed up or amend any underlying transfer. Only your sending bank can do that.
- ·Provide regulated financial, legal, tax, or investment advice.
- ·Claim affiliation with SWIFT, any bank, or any payment network. We are independent. All names referenced are property of their respective owners.
One view instead of several bank portals
A cross-border transfer is not handled by one bank. It passes from the sending bank through one or more correspondent banks before the beneficiary's bank credits it, and each of those banks publishes only the leg it handled. That is why checking the sending bank's tracker so often ends in the same answer: it has left our bank. uetr.ai queries multiple international banks on the SWIFT network for the same UETR, consolidates what each one reports into a single timeline, and keeps re-checking around the clock, so you watch one view instead of several bank portals and hear the moment anything moves.
The leg that bank handled, and usually one line: the payment has left.
Every leg we can reach, from several banks, in one timeline with each code explained.
We keep checking and email you when something changes. No portal to revisit.
We are deliberate about the limit here: we read what each bank chooses to publish, so we do not see every leg of every payment. Where a bank publishes nothing, we say so rather than guessing.
What you get, free and paid
The core of uetr.ai is free on purpose. Someone whose payroll, supplier payment or property completion has gone quiet should not have to buy anything to find out whether the banks can still see the money. The paid plans solve a different problem. Not finding out, but finding out quickly enough to act on it the same day.
Free tracking
No cardEverything you need to answer the question you have right now.
- ·No account, no card, and no bank login. Paste the UETR and the first result is usually back in seconds.
- ·Where the payment stands, in plain English: delivered, on the way, on hold, or rejected. With the amount, the date, the countries it has travelled through, and how many banks have reported it so far.
- ·We keep re-checking once a day for 30 days and email you the moment the status changes, so you can come straight back to it.
Paid monitoring
From $79For when a day of not knowing is a day you cannot afford.
- ·The detail behind the status: which banks reported the transfer and in what order, the exact SWIFT gpi code each one returned, and the next action worth taking.
- ·Re-checks every few minutes instead of once a day, so a change that lands overnight reaches you overnight.
- ·uetr.ai Rescue, $79 once. One stuck transfer. Seven days watching a single UETR, day and night, until the status moves or the trackers go silent.
- ·uetr.ai Monitor, $99 per month. For anyone who sends or receives international transfers every month. Up to 25 UETRs monitored, every status change in your inbox.
Some status changes start a clock. A transfer can be returned to the sender, accepted with the amount or details altered along the way, or held while a bank waits on a document and tells nobody. Each of those is easiest to resolve on the day it happens, while the banks involved still have the transaction in front of them. That is the real cost of silence, and it is what the paid tier is for. Both tiers are compared in full on the pricing page.
Who runs uetr.ai
uetr.ai is operated by Sempre Relevante - Unipessoal Lda, a Portuguese limited company. We are a small, independent team. We deliberately do not hold a SWIFT membership, a banking licence, or a payment-institution licence. This is by design. The tool is a read-only metadata layer, not a regulated payment service, and keeping it that way keeps it simple and genuinely useful.
Sempre Relevante - Unipessoal Lda
Portugal
Information service
Not a bank, PI, EMI, or MSB
How uetr.ai works (methodology)
Compliance, audit and finance teams ask us this. The answer in four steps:
01/ You give us the UETR
You paste the 36-character UETR plus the amount, currency, payment date, and an email. That is it. No login, no bank credentials, no account numbers, no OTPs. The UETR is a public payment reference your bank generates, and sharing it does not expose your account.
02/ We query public sources
Our agent checks public SWIFT gpi tracker pages and any individual bank tracker portals that expose status by UETR. We do not have SWIFT member access. We do not have any back-channel data feed. We only read what is published.
03/ We translate the events
Raw SWIFT codes (ACSP, ACSC, ACCC, ACWC, ACWP, PDNG, RJCT) are mapped to the plain-English wording your bank likely uses ("in transit", "credited", "on hold") and to a recommended next step. The mapping is published on our status codes reference.
04/ We email when it changes
Our agent keeps re-checking the tracker on a schedule and sends you an email the moment the status changes, including to PDNG (compliance hold) or RJCT (rejected), where most customers want to be told right away. You do not refresh. You do not wait.
Trust quick-reference
We never ask for online banking passwords, OTPs, or account access.
We cannot release, cancel, recall, or modify any transfer. Only your bank can.
We surface what SWIFT gpi tracker sources publish publicly. No insider data.
Monitor plan is monthly with a 30-day money-back guarantee. Refund policy.
Bank coverage
The banks we have a dedicated tracker guide for. We can check public tracker data for any SWIFT-connected bank that publishes status events for a UETR, even if there is no dedicated guide yet.
FAQ
Questions people ask about uetr.ai
Is uetr.ai a bank?
No. uetr.ai is not a bank, payment institution, money transmitter, e-money issuer, investment adviser, or SWIFT member. We do not hold, move, custody, send, receive, or process funds of any kind. We are a read-only information service that surfaces available SWIFT gpi tracker status for a UETR you provide.
Who runs uetr.ai?
uetr.ai is operated by Sempre Relevante - Unipessoal Lda, a Portuguese limited company. Stripe processes payments as Merchant of Record. The team is small, independent, and not affiliated with any bank, payment network, or SWIFT.
Is uetr.ai affiliated with SWIFT or any bank?
No. We are not affiliated with, endorsed by, sponsored by, or partnered with SWIFT, any bank, or any payment network. All product, bank, and network names referenced on the site are property of their respective owners and are used for identification purposes only.
Where does the status data come from?
From public bank trackers, the parts of the SWIFT gpi tracking system that banks and SWIFT have made publicly readable, plus any public tracker pages individual banks have published. We query multiple international banks on the SWIFT network for the same UETR rather than relying on the sending bank alone, because each bank publishes only the leg it handled. We do not have SWIFT member access. We never connect to your bank account, see your balances, or move money.
Why might you not find my transfer?
Two main reasons. First, the transfer may be too new. gpi events can take minutes to hours to appear, depending on how often the sending bank reports. Second, some legs of the payment may not be visible on any public tracker; banks publish what they choose to publish. This is why we keep looking after the first check: free tracking re-checks once a day for 30 days, paid plans re-check every few minutes, and we email you as soon as tracker status appears or changes.
Is my data safe?
We only need the UETR (a public payment reference, not a credential), the amount, the currency, the payment date, and the email you want alerts sent to. We never ask for online banking passwords, account numbers, OTP codes, or anything that would let us touch your money. There is nothing for us to move.
How do I know uetr.ai is safe to use?
Judge any tracker by what it asks you for. uetr.ai asks for the UETR, which is a public reference printed on your own payment confirmation, plus an optional amount, currency and date to narrow the search. We never ask for an online banking password, a one-time passcode, or an account number, and there is no field on the site that would accept one. Because we hold no funds and have no access to any account, there is nothing for us to move. If any site asks for your banking credentials in order to track a transfer, treat that as a warning sign and leave.
Is uetr.ai free?
Checking a UETR is free and needs no account. Free tracking then keeps re-checking your transfer once a day for 30 days and emails you when the status changes, so it is not a single one-off lookup. Paid plans re-check every few minutes instead of once a day and cover more transfers; the full comparison is on the pricing page.
Can uetr.ai release, cancel, or speed up my transfer?
No. We are strictly an information layer. For anything that requires action on the payment itself, such as releasing a held transfer, cancelling, recalling, amending, or applying fees, contact your sending bank directly.
Is the information legally binding?
No. All data shown on uetr.ai is provided "as is" for information purposes only. Public tracker data may be delayed, incomplete, or ambiguous. Always confirm the status of your transfer directly with your bank before acting on it.
Try uetr.ai
Paste your 36-character UETR on the homepage. Checking is free, no account is required, and free tracking keeps re-checking for 30 days. If you have a question that is not answered above, contact us. We read every message.