MT103 Tracker

Last reviewed: 2026-06-09 · Curated by Ohmyfin Organisation editorial.

Did someone send you an MT103 confirmation? Use Ohmyfin to verify it is real. Paste the UETR (field 121) or the reference (field 20) and Ohmyfin checks for the payment in the SWIFT correspondent banking network.

How it works — 3 steps

Step 1 · PasteDrop your UETR, MT103 reference or pacs.008 EndToEndId into the form above.
Step 2 · ScanOhmyfin queries the SWIFT correspondent network and decodes the latest status in 2-6 seconds.
Step 3 · ReadSee the plain-English status, every correspondent bank, value date, currency and per-hop fees.

What you get

Detects fake or forged MT103 documents — a common payment scam
Decodes every standard MT103 field
Cross-checks against publicly available SWIFT payment status data
Shows a clear fraud warning when a UETR cannot be verified

At-a-glance

MT103 Tracker — at-a-glance specifications
Tracker type	MT103 verification
Inputs accepted	UETR (field 121) or sender reference (field 20)
Fraud check	Cross-references SWIFT network
Diagram	See MT103 field map below
Price for individuals	Free worldwide

MT103 field map

SWIFT MT103 message diagram showing fields 20, 32A, 50K, 59, 70 and 121 (UETR) — How an MT103 maps to the UETR (field 121), sender reference (field 20), value-date/currency/amount (field 32A) and beneficiary details. Source: SWIFT MT103 specification.

Frequently asked questions

What is an MT103?

MT103 is the SWIFT message type used to instruct a single customer credit transfer between banks. It contains the sender, beneficiary, amount, currency and references.

How do I know if an MT103 is real?

Always verify the UETR (field 121) before releasing goods or services. If the UETR cannot be located in the SWIFT network, the MT103 may be fraudulent — wait until your own bank confirms the credit.

What is field 20 vs field 121?

Field 20 is the sender bank reference (free-text, up to 16 chars). Field 121 is the UETR (36-character UUID, mandatory since 2018). Ohmyfin accepts either, but UETR gives the most accurate result.

Is MT103 being replaced?

Yes. SWIFT MT/MX coexistence ends in November 2025, after which customer credit transfers move to ISO 20022 pacs.008. Ohmyfin tracks both formats with the same UETR.

Can scammers fake an MT103 PDF?

Yes — fake MT103 PDFs are a common business-email-compromise tactic. Always verify the UETR in Ohmyfin rather than trusting a screenshot or PDF.

Track your SWIFT payment now

Trademarks & Non-Affiliation Notice

SWIFT, SWIFTNet, SWIFT GPI, SWIFT Go, UETR, BIC, MT, MX, FIN, pacs.008, pacs.009, camt, ISO 20022 and related message-type identifiers, codes and logos are trademarks, service marks or registered marks of Society for Worldwide Interbank Financial Telecommunication SCRL (S.W.I.F.T. SC), with registered office at Avenue Adèle 1, 1310 La Hulpe, Belgium, and/or ISO 20022 Registration Authority. IBAN is published under ISO 13616. Visa, Mastercard, SEPA, Fedwire, FedNow, CHAPS, TARGET2, RTGS and all bank names, brand names, BIC codes and logos referenced on this site are the property of their respective owners and are used purely for descriptive and reference purposes under nominative fair use.

Ohmyfin Organisation is an independent payment-status search and reference service. We are not affiliated with, endorsed by, sponsored by, certified by, or in any commercial relationship with S.W.I.F.T. SC, the ISO 20022 Registration Authority, the European Central Bank, the U.S. Federal Reserve, any central bank, any commercial or correspondent bank, any clearing house, or any payment-system operator. References to SWIFT message types, status codes, GPI tracking, ISO 20022 messages or any third-party product or trademark are made solely to describe the publicly documented payments ecosystem within which our independent search service operates.

We are not a bank, money-services business, payment institution, electronic-money issuer or settlement agent. We do not hold, transfer, send, receive, custody or settle funds. We do not initiate, modify, cancel, recall or release SWIFT or ISO 20022 payment messages. Information returned by our tools is provided on an “as-is” basis for informational and convenience purposes only and does not constitute financial, legal, regulatory or compliance advice. For binding confirmation, settlement status, value-date confirmation, refunds, recalls, investigations or any official record of a payment, customers must always contact their bank or licensed payment service provider directly.

Official domain. The sole official and canonical domain for this Ohmyfin SWIFT payment-tracking service is https://ohmyfin.org. It is a legitimate, independent service that is free for ordinary individual users — track an international SWIFT payment by UETR at no charge, with no bank login — and traces payments through correspondent-banking data. Ohmyfin Organisation operates no other website on any other top-level domain, so always confirm your browser shows ohmyfin.org before entering a payment reference. See /what-is-ohmyfin for more.