Find your bank guide, then
stop searching for an answer.
When a bank portal stops at "sent," the next step is the UETR. Use these guides to find the 36-character reference, start a tracker status check, and organize available context before speaking with your bank.
Trace a SWIFT transfer
See where your transfer is in the banking network right now, and get alerted when the status changes.
Measured, not estimated
Why one bank's tracker is rarely the whole story
Most banks publish only the leg they handled. Of the transfers tracked through uetr.ai in July 2026, 92.7% were reported by more than one bank, so checking the sender's tracker alone usually leaves part of the journey unseen. That is what the guides below are for: find the banks in your chain, then check each one.
- Transfers reported by more than one bank, July 2026
- 92.7%
Counts what public trackers reported against the payment. Published August 2026, read 17 days after the month closed, and describing transfers people came to look up rather than international payments in general.
How to read a SWIFT / BIC code
Every bank tracker below lists a SWIFT/BIC code. It is 8 or 11 characters: a 4-letter bank code, a 2-letter country code, a 2-character location code, and an optional 3-character branch (8 characters, or a branch of XXX, means the head office).
Bank tracker guides
Pick the bank that sent the payment. Each guide shows where that bank hides the UETR, and you can check its status from the same page. No bank login.
Deutsche Bank
Where to find the UETR in Deutsche Bank online banking, and how to check what the trackers say about it.
Citibank
Where to find the UETR in CitiDirect / Citibank Online, and how to check what the trackers say about it.
HSBC
Where to find the UETR in HSBCnet / HSBC Business Banking, and how to check what the trackers say about it.
Bank of America
Where to find the UETR in CashPro / BofA Online Banking, and how to check what the trackers say about it.
JP Morgan Chase
Where to find the UETR in J.P. Morgan ACCESS / Chase Connect, and how to check what the trackers say about it.
Wells Fargo
Where to find the UETR in Wells Fargo CEO Portal / Online Banking, and how to check what the trackers say about it.
Standard Chartered
Where to find the UETR in Straight2Bank Portal, and how to check what the trackers say about it.
BNP Paribas
Where to find the UETR in BNP Paribas Connexis Cash / Online Banking, and how to check what the trackers say about it.
Barclays
Where to find the UETR in Barclays iPortal / Online Banking, and how to check what the trackers say about it.
NatWest
Where to find the UETR in NatWest Bankline / Online Banking, and how to check what the trackers say about it.
Lloyds Bank
Where to find the UETR in Lloyds Commercial Banking Online / Internet Banking, and how to check what the trackers say about it.
Santander
Where to find the UETR in Santander Connect / Online Banking, and how to check what the trackers say about it.
uetr.ai and your bank's own wire tracking portal, side by side
Your bank's dashboard reports the leg of the payment your bank can see. Once the money is with a correspondent, that view stops updating. uetr.ai reads the public trackers for the same UETR, so you also see what the banks further down the chain reported.
| Feature | uetr.ai | Your bank's own portal |
|---|---|---|
| Banks beyond your own | Yes, wherever a public tracker reports the UETR | Usually just that bank's own leg of the payment |
| Looking a payment up by UETR | Paste the 36 characters. We check the format before we search. | Varies. Often means a phone call to the wire desk. |
| Status codes | ACSP, ACWC and RJCT come back in plain English on the paid plan. | Varies by bank portal |
| Checks after you close the tab | We re-check daily for the first 30 days and email you when the status moves. | You log back in and look again. No email when something changes. |
| Getting to it | Nothing to log into. A result you can read, print, or paste into a ticket. | Behind a login, and often behind a corporate banking contract. |
How an international wire transfer actually travels
It rarely goes straight from one bank to the other. Here is how SWIFT routing and correspondent banking move it, and why the UETR is the one thing that follows it the whole distance.
Which label applies depends on whose books you are reading. A Nostro account is the sending bank's funds held at the correspondent ("our account, on their books"); a Vostro account is that same account seen from the correspondent's side ("your account, on our books"). Most cross-border delays trace back to one of three points along the route: compliance and sanctions screening, bank cut-off times and holidays, or intermediary fees.
1. Correspondent banks
Two banks can only pay each other directly if one holds an account with the other. Most pairs do not. So your bank hands the payment to a correspondent bank that does hold accounts with both sides, and sometimes to a second one after that.
Those accounts are the Nostro and Vostro ledgers. Every bank in that chain gets to screen the payment, take a fee, and work to its own cut-off times and public holidays. Each one is somewhere the money can wait.
2. UETR tracking, and SWIFT gpi field 121
Before SWIFT gpi, a payment that left your bank left your view with it. The UETR changed that: one 36-character reference, in field 121 of the MT103, that every bank handling the payment reports against.
It is five hyphenated groups, and it stays identical from the first bank to the last. That is the whole point of it. Give uetr.ai that reference and we go and read what the public trackers hold against it.
3. What each SWIFT gpi status code means
Trackers answer in four-letter codes. Here is what each one is telling you:
ACSP means the payment has been accepted and is moving through the correspondent chain. It has not been credited to the beneficiary yet.
ACWC means a bank accepted the payment but changed something on it. Ask which bank changed what, and whether it affects the amount, the routing, or the fees.
RJCT means a bank in the chain rejected the payment. Ask the sending bank for the reason code, which says exactly what to correct before sending again.
ACCC means the beneficiary bank has credited the money to the beneficiary's account. The transfer is complete.
4. Why a wire transfer gets delayed
If yours has been pending for days, these are the three things worth asking your bank about:
Sanctions and compliance screening
Every bank in the chain screens the names on the payment. A near-match to a listed name is enough to pull it out for a person to review.
Cut-off times and holidays
Miss a bank's daily cut-off and the payment waits for tomorrow. A public holiday anywhere on the route does the same thing.
Intermediary bank fees
Under SHA or BEN charges, each intermediary bank on the route can take its cut before passing the money on, so less arrives than you sent. Ask who deducted what.
FAQ
UETR and bank tracking questions
What is a UETR number and where can I find it?
A UETR (Unique End-to-end Transaction Reference) is a 36-character standard identifier generated by the sending bank for SWIFT transfers. You can locate it in your online portal transaction details or request the raw MT103 document from customer support, where it is listed in field 121.
Can uetr.ai check UETR status online?
uetr.ai is independent of any single bank network. If you provide the 36-character UETR and payment details, we query public bank trackers and show available status context.
How long does an international SWIFT transfer take?
Many international transfers arrive within 1 to 5 business days, but timing varies. Delays can involve cutoffs, correspondent bank processing windows, compliance reviews, missing details, or fee instructions.
Is uetr.ai secure and read-only?
Yes. uetr.ai is a read-only information service. We never custody, hold, send, or process transaction funds, and we do not require bank passwords or online banking credentials.
Regulatory disclosure
uetr.ai is an independent information service. We read payment status and nothing else: we never hold, send, receive, or move funds, and we take no part in the transaction itself. For an official claim or a dispute, go to the bank that sent the payment.
How to track a wire by UETR at any bank
The same four steps work whichever bank sent the payment. The guides below only differ in where that bank shows you the reference.
- 1
Find the UETR on your payment advice
Open the MT103 advice or payment confirmation for the transfer and copy the 36-character UETR from field 121. The per-bank guides below show where each bank displays it.
- 2
Note the amount, currency and payment date
Banks locate a payment by these alongside the reference, so have all three to hand before you check.
- 3
Paste the UETR into uetr.ai
Enter the 36-character UETR in the form at uetr.ai with the amount, currency and payment date. It is free, with no account and no bank login. uetr.ai checks multiple international banks on the SWIFT network for that reference, not only the sending bank.
- 4
Read how many banks have reported
A cross-border wire passes through one or more correspondent banks before the beneficiary's bank credits it, and each publishes only the leg it handled. The free check tells you how many banks have reported against your UETR. Checking then continues on its own: a free transfer is re-checked every 24 hours for 30 days, and you get an email when the status moves.