HSBC UETR Tracking
Check what the trackers can show.
When a HSBC 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 HSBC transfer
See where your transfer is in the banking network right now, and get alerted when the status changes.
HSBC SWIFT code, IBAN, and international wire transfer details
The SWIFT/BIC code, IBAN format, and routing details for HSBC UK Bank plc (United Kingdom (GB)). Check each one against your own payment advice before you send money, because a bank this size has more than one code.
HSBC UK Bank plc
1 Centenary Square, Birmingham B1 1HQ, United Kingdom
GB + 2 check digits + bank code HBUK + 6-digit sort code + 8-digit account · 22 characters (e.g. GB15 HBUK 4002 0212 3456 78)
How this BIC breaks down
HSBC international wires, BIC codes, and UETR tracking
Which HSBC SWIFT code to use: HBUKGB4B, MIDLGB22, and beyond
HSBC runs several legal entities, and each has its own SWIFT/BIC code, which is the biggest source of wrong-code errors for the group. For HSBC UK Bank plc, the ring-fenced UK retail and business bank, the reference code is HBUKGB4B (HBUKGB4BXXX in full). The legacy HSBC Bank plc still uses MIDLGB22, the former Midland Bank code, for many corporate and international accounts, and The Hongkong and Shanghai Banking Corporation, HSBC Bank Middle East, HSBC Bank USA, and HSBC Bank Malaysia each have their own codes. Use the code for the exact HSBC entity and country receiving the wire, and confirm it on your payment advice. UK accounts are identified by a sort code and IBAN, while HSBC Hong Kong accounts do not use an IBAN.
Tracking an HSBC payment and where the UETR lives
Every cross-border SWIFT payment to or from HSBC carries a UETR, the 36-character reference in field 121 of the MT103. HSBC's business customers can follow payments with HSBCnet Track Payments, on the web and in the mobile app, and HSBC Hong Kong offers a public Global Payment Tracker, but coverage and labels differ by region.
Paste the UETR into uetr.ai for a single, plain-English read. We check the public SWIFT gpi tracker sources we can reach and translate the status, for example ACSP for accepted and in process or ACCC for credited to the beneficiary, so you can see which bank last reported.
HSBC spans Asia and beyond, but its tracker shows HSBC's part
An HSBC transfer often crosses several countries, and HSBC's own tools, HSBCnet for businesses and the regional Global Payment Tracker, report only the portion HSBC handled. The banks on either side of HSBC record their own updates, all tied to one reference. uetr.ai gathers those scattered reports from the public gpi trackers that banks worldwide expose and lays them out as a single timeline, so one code tells you more about where the money actually sits than any one bank's window, and you never sign in.
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 HSBC transfer can still go silent with no update
When you start an international bank transfer through HSBC, 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 HSBCnet / HSBC Business Banking may show only the information available to HSBC. 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 HSBCnet / HSBC Business Banking does not show you
HSBC's own dashboard typically reports only the leg of the payment HSBC 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 "HSBC 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 HSBC 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 HSBC 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 HSBC 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 HSBC 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 HSBC wire stuck?
A HSBC 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 HSBC transfer
A UETR (Unique End-to-end Transaction Reference) is a standard 36-character reference commonly used for SWIFT gpi payment tracking.
Navigate to HSBCnet
Log in to HSBCnet or HSBC personal banking, navigate to Payment Summary, and select the pending or completed transaction.
Extract the UETR
Locate the payment receipt or gpi confirmation. Copy the 36-character UETR code (dashes included).
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 HSBC. 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 SWIFT gpi Confirmation or Payment Advice. If not visible in your online dashboard, you can request the MT103 file directly from HSBC's customer support.
HSBC wire status codes in plain English
When you track a HSBC 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
HSBC wire tracking questions
What is HSBC's SWIFT code?
It depends on the HSBC entity. For HSBC UK Bank plc the reference code is HBUKGB4B (HBUKGB4BXXX in full). HSBC Bank plc, Hong Kong, the Middle East, the USA, and Malaysia each use a different code, so confirm the one on your payment advice.
How do I find my HSBC SWIFT code?
It is shown in the HSBC app, online banking, and on statements, and depends on your HSBC entity. For HSBC UK Bank plc it is HBUKGB4B; use the code that matches the account receiving the wire and its country.
What is the difference between HBUKGB4B and MIDLGB22?
HBUKGB4B belongs to HSBC UK Bank plc, the ring-fenced UK retail and business bank. MIDLGB22 is the legacy HSBC Bank plc code (originally Midland Bank), still used on many corporate and international accounts. Use the one printed on your account details.
What is HSBC's SWIFT code for Hong Kong?
The Hongkong and Shanghai Banking Corporation, HSBC's Hong Kong entity, has its own SWIFT code, separate from the UK codes. Hong Kong accounts use a bank, branch, and account number rather than an IBAN. Confirm the code on your advice.
How do I find my IBAN with HSBC?
UK HSBC accounts show the IBAN in the HSBC app and online banking, and on statements. HSBC Hong Kong accounts do not use an IBAN, so you provide the bank code, branch, and account number instead.
How do I track an HSBC payment with a UETR?
Find the 36-character UETR in field 121 of the MT103 or on the payment advice and paste it into uetr.ai. HSBC business customers can also use HSBCnet Track Payments, and HSBC Hong Kong offers a public Global Payment Tracker.
Where do I find the UETR for my HSBC transfer?
On the MT103 or SWIFT advice, and in HSBCnet Track Payments for business customers. If it is not shown, ask HSBC to retrieve the UETR.
What does ACSP, ACCC, or RJCT mean on my HSBC payment?
ACSP means accepted and in process, ACCC means credited to the beneficiary account, and RJCT means rejected. uetr.ai translates these SWIFT gpi statuses into plain English.
Why is my HSBC international transfer delayed?
Cross-border payments can pass through correspondent banks that hold them for compliance checks, cut-off times, or weekends and holidays. The UETR reveals which bank in the chain last reported, so you know where the payment is sitting.
Does uetr.ai keep checking my HSBC 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 HSBC reported on the payment?
Yes, and that is the reason to check by UETR rather than by a bank reference. HSBC publishes only the leg HSBC 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 HSBC?
This guide lists HBUKGB4BXXX as a reference SWIFT code for HSBC, with base BIC HBUKGB4B. Confirm the correct BIC, branch, and routing instructions directly with HSBC before sending or acting on a payment.
How do I check a HSBC wire transfer with a UETR?
To check a HSBC 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 HSBC?
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 HSBC 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.