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' public trackers 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 5 billion in SWIFT transfers, across 38 currencies.
What uetr.ai does
- ·Takes a 36-character UETR and checks public SWIFT gpi tracker sources at multiple international banks on the SWIFT network, not just the one that sent it.
- ·Assembles the events into a plain-English timeline showing what each bank reported, where the delay appears, and what each status code means.
- ·Keeps re-checking after you close the tab while the transfer is still in progress. Free tracking re-checks once a day for up to 30 days from submission; paid plans re-check every few minutes. Either way, we email you when the payment reaches a further stage.
- ·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 most of those banks publish only what their own tracker recorded. 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, so you watch one view instead of several bank portals. Email alerts follow further payment stages.
What that bank's own tracker recorded, and usually one line: the payment has left.
Every report we can reach, from several banks' trackers, in one timeline with each code explained.
We email you when the payment reaches a further stage. 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 report on 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.
- ·What the banks have reported, in plain English: delivered, on the way, on hold, or rejected. With the amount, the date, separate numbered bank reports with available update times, and how many banks have reported it so far.
A bank named on a transfer reported on it through its own public tracker. A bank can report on a payment it did not handle.
- ·While the transfer is still in progress, we keep re-checking once a day for up to 30 days from submission and email you when the payment reaches a further stage, so you can come 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, $179 per month. For teams that send or receive international transfers every month. Watch 10 transfers at once, 24/7, with your whole team: up to 10 team members can add transfers, see every report, and get instant email alerts.
- ·uetr.ai Monitor 20, $269 per month. For teams that send or receive international transfers every month. Watch 20 transfers at once, 24/7, with your whole team: up to 10 team members can add transfers, see every report, and get instant email alerts.
Some status changes start a clock. A transfer can be refused by a bank in the chain, 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 run by a small, independent team. It provides a read-only information service and does not hold or move funds. Statutory provider and contact details are in the Legal Notice.
uetr.ai
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 on further payment stages
Email alerts follow further payment stages. While the transfer is in progress, free tracking checks once a day for up to 30 days from submission and sends at most one update email a day. Paid plans check every few minutes.
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 run by a small independent team. Eligible paid transactions may use Stripe Managed Payments, where Link is the merchant of record. Statutory provider details are in the Legal Notice.
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 most banks publish only what their own tracker recorded. 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: while the transfer is still in progress, free tracking re-checks once a day for up to 30 days from submission and paid plans re-check every few minutes. We email you when the payment reaches a further stage.
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. While your transfer is still in progress, free tracking re-checks it once a day for up to 30 days from submission and emails you when the payment reaches a further stage, 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 while the transfer is still in progress for up to 30 days from submission. If you have a question that is not answered above, contact us. We read every message.