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
AI assistedSee bank reports, and get an email when the payment reaches a new stage.
Measured, not estimated
Why one bank's tracker is rarely the whole story
One bank's view may not show the full payment path. A bank's public tracker answers for what that bank has to report. Of the transfers tracked through uetr.ai in July 2026, 92.7% were reported by more than one bank's public tracker, so checking the sender's tracker alone usually leaves other banks' reports unread. That is what the guides below are for: check more than one public tracker, not only the one belonging to the bank that sent the payment.
- Transfers reported by more than one bank's public tracker, 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.
CommBank
Where to find the UETR in NetBank, the CommBank app, or CommBiz, and how to check what the trackers say about it.
BRI
Where to find the UETR in BRImo or QLola by BRI, and how to check what the trackers say about it.
uetr.ai and your bank's own wire tracking portal, side by side
One bank's view may not show the full payment path. uetr.ai reads multiple public bank trackers for the same UETR and brings the available reports into one view.
| Feature | uetr.ai | Your bank's own portal |
|---|---|---|
| Banks beyond your own | Yes, wherever a public tracker reports the UETR | May not show the full payment path |
| Looking up a payment 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 | While the transfer is still in progress, we re-check daily for up to 30 days from submission and send you at most one update email a day when the payment reaches a further stage. | 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 in MT103 and pacs.008
Before SWIFT gpi, a payment that left your bank left your view with it. The UETR changed that: one 36-character reference that the banks handling the payment report against. On an MT103-format advice it appears in field 121. On a pacs.008-format document it appears as the UETR element inside PmtId.
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:
Your transfer is on its way.
Accepted, but a bank will change something, such as the date. Ask which bank made the change and what it was.
A bank in the chain refused the payment instruction. Ask the sending bank for the reason code and what happens to the funds.
The beneficiary's bank is reporting that it credited the account.
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
Why does a bank I never used report on my payment?
Banks publish tracking systems that answer questions about SWIFT payments, and uetr.ai asks several of them for the reference you entered. A tracker can return a record for a payment its own bank did not handle, so a bank named on your transfer is a bank that reported on it, not proof of the route the money took. Neither you nor your bank can edit what a tracker returned, and your sending bank remains the official source for the route and for settlement.
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 ask customer support for the payment confirmation. On an MT103-format advice it is field 121. On a pacs.008-format document it is the UETR element inside PmtId.
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 payment confirmation for the transfer and copy the 36-character UETR. On an MT103-format advice it is field 121. On a pacs.008-format document it is the UETR element inside PmtId. 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 most publish only what their own tracker recorded. The free check tells you how many banks have reported against your UETR. While the transfer is in progress, free tracking re-checks every 24 hours for up to 30 days from submission. Emails follow further payment stages, at most once a day.