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
AI assistedSee bank reports, and get an email when the payment reaches a new stage.
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. GB54 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 used to track the payment. On an MT103-format advice it is field 121. On a pacs.008-format document it is the UETR element inside PmtId. 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 the beneficiary bank's reported credit. The free check shows the plain-language status, how many banks have reported and separate numbered reports with available update times. Paid plans open the bank-by-bank reports with bank names and exact status codes.
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 what the banks reported 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.
Why another view can help
One bank's view may not show the full payment path. uetr.ai checks multiple public bank trackers for the same UETR and brings the available reports into one view. The free check tells you how many banks have reported. The paid view names the reporting banks and shows their exact status codes.
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 in MT103 and pacs.008
Before SWIFT gpi, a payment that left HSBC 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 is field 121. On a pacs.008-format document it is the UETR element inside PmtId.
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
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.
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 travels with it the whole way, so tracking it shows which institution reported last and what that bank reported.
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 up to 30 days from submission while the transfer is still in progress, emailing you when the payment reaches a further stage.
Typically located on the SWIFT gpi Confirmation or Payment Advice. If not visible in your online dashboard, ask HSBC's customer support for the bank-issued payment confirmation or the UETR itself.
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 | Your transfer is on its way. | Keep tracking the UETR for the next reported step. |
| ACSCAccepted settlement completed debitor account | Settlement is complete at a bank in the chain. The credit to the beneficiary is not confirmed yet. | Check that the beneficiary bank has credited the account. |
| ACCCAccepted settlement completed creditor account | The beneficiary's bank is reporting that it credited the account. | Confirm receipt with the recipient. |
| ACWCAccepted with change | Accepted, but a bank will change something, such as the date. | Ask the bank what changed and whether it affects the amount received. |
| PDNGPending | A bank in the chain is reviewing the transfer. | Ask your sending bank why the payment is pending and whether it needs more information. |
| RJCTRejected | A bank in the chain refused the payment 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 on the payment advice and paste it into uetr.ai. On an MT103-format advice it is field 121. On a pacs.008-format document it is the UETR element inside PmtId. 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 bank-issued payment advice and in HSBCnet Track Payments for business customers. On an MT103-format advice it is field 121. On a pacs.008-format document it is the UETR element inside PmtId. 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: The beneficiary's bank is reporting that it credited the account. RJCT means a bank reports refusing the instruction. 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 free check shows the plain-language status, how many banks have reported and separate numbered reports with available update times. Paid plans open the bank-by-bank reports with bank names and exact status codes.
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: while the transfer is still in progress, uetr.ai re-checks the same UETR once every 24 hours for up to 30 days from submission and emails you when the payment reaches a further stage, 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. One bank's view may not show the full payment path. 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 of reporting sources, ordered by the stage each report describes and with the exact code each returned, is part of the paid plan; the order of reports is not the payment's route, since a public tracker can report a payment its bank did not handle.
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) on the payment advice. On an MT103-format advice it is field 121. On a pacs.008-format document it is the UETR element inside PmtId. 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.