A UETR (Unique End-to-End Transaction Reference) is a unique 36-character code automatically generated for international Swift payments. Think of it as a tracking number for cross-border money transfers — it stays identical across every financial institution in the transfer chain, giving both senders and receivers complete visibility over money in transit.
Where to find your UETR
On your transfer confirmation: Download your transfer receipt directly from the transaction details page — the UETR will be listed on the document.
How to use it
Share the UETR with your payment recipient or supplier so they can:
Track a transfer in real time with their local bank
Locate a delayed payment if funds are held up at an intermediary bank
See proof of payment to confirm money is on its way.