Yes. The sender of the SWIFT can ask their bank to provide GPI tracking. Sometimes the bank is not part of the GPI network, so you can ask for the payment reference number or UETR and try it here. Usually, you will see the SWIFT payment status, like ACSP (in process) or RJCT (rejected). You will also see the last update time, so you will know if someone is really working on your transfer.

We partner with major correspondent banks that offer SWIFT GPI Basic tracking services. We aggregate this data so you can have a comprehensive view of what's going on with your payment.

Typically, SWIFT payments take 1-3 days to process. If you have not received the payment within this timeframe, it may be undergoing manual review. Due to high workloads, compliance officers may take up to two months to complete their review. To expedite the process, the sender can request an investigation through their bank.

A SWIFT payment is sent with an MT103 form. It includes a field 20, usually called the sender's reference. Each bank in the chain assigns their own reference, so the UETR code is more universal. Read more about MT103 fields.

A Unique End-to-End Transaction Reference (UETR) is a 36-character identifier included in all SWIFT payment instruction messages, formatted as XXXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXXXXX. It may sometimes be found in the MT103 form. The sender can always request their bank to provide the UETR code for the SWIFT transfer. Read more about UETR in our SWIFT Knowledge Center.

In most cases, the payment is not lost but delayed at one of the banks. The most effective course of action is to request your bank to initiate a payment investigation. Typically, this can only be done by the sender. Read more about missing SWIFT payments.

The MT103 form contains all the data regarding your SWIFT transfer. The sender can ask their bank to provide one. You can find not only the reference #, which is useful for tracking, but also the value date, which is sometimes different from the actual date when you sent the money. Examples of MT103 / FIN103 documents.

A reference # is assigned by each bank. UETR is universal. However, if you call your bank to ask for the status, it's almost impossible to communicate an UETR code accurately. The sender's reference will be much easier in this scenario.

The list of correspondent banks (nostro accounts) is part of SSI instructions. Sometimes they are published on the official bank's website. Banks normally find it via SWIFTref - a non-public database of correspondent relations. You can also order this information here at TrackMySwift. Database of correspondent relations. You can order it directly on the bank's page, for example: ABNANL2A - ABN AMRO, BPKOPLPW - PKO BANK POLSKI, CITIDEFF - Citibank Germany.