Bank of America UETR Tracking
Check what the trackers can show.
When a Bank of America transfer is delayed, "sent" is not a real answer. uetr.ai checks public bank trackers and organizes available status context before your next bank conversation.
Track Bank of America transfer
See where your transfer is in the banking network right now, and get alerted when the status changes.
Bank of America SWIFT code, IBAN, and international wire transfer details
The SWIFT/BIC code, IBAN format, and routing details for Bank of America, N.A. (United States (US)). Check each one against your own payment advice before you send money, because a bank this size has more than one code.
Bank of America, N.A.
222 Broadway, New York, NY 10038, USA
Not used. US banks do not have IBANs, so international senders use the SWIFT/BIC code BOFAUS3N with your account number and the ABA routing number.
How this BIC breaks down
Bank of America international wires, BIC codes, and UETR tracking
Which Bank of America SWIFT code to use: BOFAUS3N or BOFAUS6S
Bank of America, N.A. uses more than one SWIFT/BIC code depending on the currency of an incoming wire. For an incoming wire in US dollars the reference code is BOFAUS3N (BOFAUS3NXXX in the 11-character form), registered to the New York head office at 222 Broadway. For an incoming wire in a foreign currency, Bank of America directs senders to a separate code, BOFAUS6S. Choosing the wrong one is the most common Bank of America wire mistake, so match the code to the settlement currency and confirm it on the instructions Bank of America gives you. For domestic US transfers, Bank of America uses an ABA wire routing number rather than the SWIFT code.
Finding the UETR and tracking a Bank of America wire
Every cross-border SWIFT payment to or from Bank of America carries a UETR, the 36-character reference in field 121 of the MT103. Corporate clients see payment detail in CashPro, while consumer customers usually have to ask Bank of America to trace a wire, because retail online banking has no self-service UETR lookup.
With uetr.ai you paste the UETR and we check the public SWIFT gpi tracker sources we can reach, then explain the status in plain English, for example ACSP for accepted and in process, PDNG for pending, or RJCT for rejected, so you can see where the payment is rather than waiting for a callback.
A Bank of America wire does not end at Bank of America
When a Bank of America wire leaves the United States, it hands off to a correspondent bank abroad, sometimes more than one, before the beneficiary bank posts it. CashPro shows the step Bank of America processed, and consumer online banking shows even less. uetr.ai polls the public gpi status that banks in other countries report against the same reference, so the leg a correspondent handled after Bank of America was finished becomes visible, giving you more of the picture than any single portal, with nothing to sign in to and nothing to pay.
See an example UETR trace across correspondent banks
A made-up payment, hop by hop, so you can see the shape of a real trace before you run one. Nothing here touches SWIFT, a bank, or any live payment record.
Why a Bank of America transfer can still go silent with no update
When you start an international bank transfer through Bank of America, the transfer travels across the SWIFT network. Instead of going directly, your transfer routes step by step through intermediate institutions known as correspondent banks.
If a delay occurs, checking the status in your CashPro / BofA Online Banking may show only the information available to Bank of America. Other events may depend on correspondent banks, network confirmations, and the access rights of the banks involved.
uetr.ai acts as an independent information monitor. When you provide your 36-character UETR (Unique End-to-end Transaction Reference), we check public bank trackers that can be queried with the details you provide.
We assemble available events into a single plain-English timeline. Use that context to ask more precise questions of the sending or receiving bank.
What CashPro / BofA Online Banking does not show you
Bank of America's own dashboard typically reports only the leg of the payment Bank of America can see. It does not show what a correspondent or beneficiary bank later reported against the same UETR. uetr.ai checks the public SWIFT gpi trail across every bank in the chain, so you can tell whether the wire is still in transit, held at an intermediary for compliance, credited to the beneficiary, or rejected, and which bank reported it.
A BIC directory is not a payment tracker
Most sites that come up for "Bank of America SWIFT code" list the bank's registration details and stop there. That tells you where to send money, not where yours is.
| Feature | uetr.ai | A BIC lookup directory |
|---|---|---|
| The BIC itself | Listed, with one-click copy and a breakdown of every segment. | Listed. |
| Looking up a payment by UETR | Yes, wherever a public tracker reports it | No. It holds branch registrations, not payments. |
| What the banks in the middle reported | ACSP, ACWC, and RJCT, explained in plain English where they are visible. | Nothing. A register carries no payment events. |
| Worked examples | A sample trace and a BIC breakdown you can run on this page. | A table of codes. |
| Getting to it | Loads without an account, and prints or pastes into a ticket as it is. | Also open, but it stops at the registration record. |
Break down a SWIFT/BIC code
Paste any BIC to see which part is the bank, the country, the city, and the branch. Confirm the routing details with the bank itself before you send money on the strength of them.
How an international wire transfer actually travels
How SWIFT routing and correspondent banking move a Bank of America wire, and why the UETR is the one thing that follows it the whole distance.
01/ Correspondent banks
Two banks can only pay each other directly if one holds an account with the other. Where Bank of America has no such account with the receiving bank, it hands the payment to a correspondent bank that holds accounts with both sides, and sometimes to a second one after that.
Those accounts are the Nostro and Vostro ledgers. Every bank on that route gets to inspect the payment, screen it, take a fee, and work to its own cut-off times. Each one is somewhere your money can sit.
02/ UETR tracking, and SWIFT gpi field 121
Before SWIFT gpi, a payment that left Bank of America left your view with it. The UETR changed that: one 36-character reference, carried in field 121 of the MT103, that every bank handling the payment reports against.
It is five hyphenated groups, and it stays identical from Bank of America to the beneficiary bank. That is the whole point of it. Give uetr.ai that reference and we go and read what the public trackers hold against it.
03/ What each SWIFT gpi status code means
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.
04/ Why a wire transfer gets delayed
Sanctions and compliance screening
Every bank on the route 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.
Where is your Bank of America wire stuck?
A Bank of America payment can pause at any hop in the correspondent chain. The same UETR is reported by each bank along the way, so tracking it shows which institution last touched your money and where it is waiting.
How to find your UETR on a Bank of America transfer
A UETR (Unique End-to-end Transaction Reference) is a standard 36-character reference commonly used for SWIFT gpi payment tracking.
Access CashPro
Log in to Bank of America CashPro or BofA commercial portal. Go to outbound international wires history.
Locate UETR
View details of the desired payment. Under SWIFT or bank reference information, locate the 36-character UETR code.
Check more than one bank
Paste the UETR in the form above. uetr.ai checks multiple international banks on the SWIFT network for that same reference, not only Bank of America. It is free and needs no account, and we keep re-checking every 24 hours for 30 days, emailing you when the status changes.
Typically located on the Outbound wire details or payment receipt. If not visible in your online dashboard, you can request the MT103 file directly from Bank of America's customer support.
Bank of America wire status codes in plain English
When you track a Bank of America UETR, the SWIFT gpi network reports a status code. Here is what each one means for your money and what to do next. These codes follow the ISO 20022 External Code Sets and are the same across every bank.
| Status | What it means for your money | What to do |
|---|---|---|
| ACSPAccepted settlement in process | In transit. A bank accepted the payment and it is moving through the chain. | Keep tracking the UETR for the next reported step. |
| ACSCAccepted settlement completed | Settlement between the banks is complete on the sending side. | Check that the beneficiary bank has credited the account. |
| ACCCAccepted credit settlement completed | Credited to the beneficiary's account. The money has arrived. | Confirm receipt with the recipient. |
| ACWCAccepted with change | Accepted, but a detail was changed (for example a charge or a corrected account). | Ask the bank what changed and whether it affects the amount received. |
| PDNGPending | Held while a bank runs a check or waits for more information. | Ask which bank is holding it and why, often a compliance review. |
| RJCTRejected | A bank rejected the payment or instruction. | Ask the sending bank for the rejection reason and next steps. |
Track a SWIFT transfer at another bank
The same UETR tracking guide and SWIFT/BIC details for every other bank we cover.
FAQ
Bank of America wire tracking questions
What is Bank of America's SWIFT code?
For incoming US dollar wires the reference SWIFT/BIC is BOFAUS3N (BOFAUS3NXXX in the 11-character form). For incoming foreign-currency wires, Bank of America uses a separate code, BOFAUS6S. Confirm the correct one on the instructions Bank of America gives you.
What is Bank of America's SWIFT code and address?
For US dollar wires the code is BOFAUS3N and the registered head office is 222 Broadway, New York, NY 10038. For a foreign-currency wire use BOFAUS6S. Give the sender the matching code, your account number, and that address if the form asks for it.
Does Bank of America use an IBAN?
No. US banks, including Bank of America, do not use IBANs. Provide your account number with the ABA routing number for a domestic transfer, or with the SWIFT code (BOFAUS3N for US dollars) for an incoming international wire.
Is the Bank of America SWIFT code different by state or city?
No. The code depends on the currency of the wire, not the state. BOFAUS3N (US dollars) and BOFAUS6S (foreign currency) are used nationwide, whatever state or city your account is in.
How do I find my Bank of America SWIFT code in online banking?
Bank of America uses BOFAUS3N for US dollar wires, so you can use it directly. To confirm, open the wire transfer or account details in Online Banking or the mobile app where incoming-wire instructions appear.
What is the difference between BOFAUS3N and BOFAUS6S?
BOFAUS3N is for incoming wires settled in US dollars. BOFAUS6S is for incoming wires settled in a foreign currency. They are the same bank, split by settlement currency, not by branch.
Which Bank of America SWIFT code should I use?
Match the code to the currency of the wire: BOFAUS3N for US dollars, BOFAUS6S for a foreign currency. When in doubt, use the code printed on the payment instructions Bank of America provides.
Is the Bank of America SWIFT code the same for all branches?
Yes. The codes are bank and currency specific, not branch specific. You do not need a branch-level SWIFT code for an incoming international wire.
Is the Bank of America SWIFT code 8 or 11 characters?
The 8-character BOFAUS3N is sufficient. The 11-character BOFAUS3NXXX adds XXX, which simply denotes the head office.
How do I track a Bank of America wire transfer?
Find the 36-character UETR in field 121 of the MT103 or on the SWIFT confirmation and paste it into uetr.ai to check public bank trackers. You can also ask Bank of America to trace the wire; the bank remains the official source.
Where do I find the UETR on a Bank of America wire?
On the MT103 or SWIFT payment confirmation. Corporate clients can view payment detail in CashPro; retail customers can request the UETR from Bank of America.
Why is my Bank of America international wire still pending?
International wires can route through correspondent banks that add compliance screening, cut-off times, and timezone delays. The UETR shows which bank in the chain last reported a status, so you know where to ask.
Does uetr.ai keep checking my Bank of America transfer, or is it a one-time lookup?
It keeps checking. A free check is not a single lookup: uetr.ai re-checks the same UETR once every 24 hours for 30 days and emails you when the status changes, so you do not have to keep opening a tracker page and pasting the reference again. A bank tracker page reports the status at the moment you open it. Paid plans re-check every few minutes instead of once a day.
Can I see what banks other than Bank of America reported on the payment?
Yes, and that is the reason to check by UETR rather than by a bank reference. Bank of America publishes only the leg Bank of America handled, and a cross-border wire usually passes through one or more correspondent banks before the beneficiary's bank credits it. uetr.ai queries multiple international banks on the SWIFT network for the same UETR and consolidates what each one reports into a single timeline. The free check tells you how many banks have reported against your UETR. The bank-by-bank trail in route order, with the exact code each bank returned, is part of the paid plan.
What reference SWIFT/BIC code is listed for Bank of America?
This guide lists BOFAUS3NXXX as a reference SWIFT code for Bank of America, with base BIC BOFAUS3N. Confirm the correct BIC, branch, and routing instructions directly with Bank of America before sending or acting on a payment.
How do I check a Bank of America wire transfer with a UETR?
To check a Bank of America international wire transfer, locate the 36-character UETR (Unique End-to-end Transaction Reference), commonly shown in field 121 of an MT103 or payment advice. Enter this UETR on uetr.ai to check public bank trackers for available status information. Your bank remains the official source for settlement and routing confirmation.
Can uetr.ai trace domestic wires for Bank of America?
No, uetr.ai is designed for international wires carrying a SWIFT UETR. Domestic wires (like Fedwire, ACH, or SEPA payments without UETR headers) use domestic clearing references and are outside this lookup unless a tracker source can be checked with the details you provide.
Is my data secure when checking Bank of America UETRs?
Yes. The service is designed for read-only lookups. We never request passwords, tokens, or personal bank login info. We use the payment reference, amount, currency, and date to query bank trackers and operate the monitoring service.