At Lunar Bank, we send two types of international payments: SWIFT MT103 payments and SEPA payments. Although both SWIFT and SEPA are systems for international payments, they differ.

SWIFT is global, used across currencies, and is sent as individual payments. SEPA focuses on euro transactions within Europe. These payments are sent in bulk, making it a bit more challenging to track a specific payment. SWIFT MT103 payments can be tracked since they are sent as individual transactions, each with a unique transaction ID (UETR key).

This allows us to track our outgoing SWIFT MT103 transactions via the SWIFT GPI Tracker. We can see how far the payment is in the transaction flow, as well as its status. Unfortunately, this is not the case for outgoing SEPA payments. However, we can contact the receiving bank and inquire about the status of the payment. When it comes to incoming payments, as the receiving bank, we cannot track or provide tracking information.

If you are waiting for an incoming international payment, we recommend contacting the sender or their bank and asking them to track the transfer. We can help investigate if the payment has been misrouted or anything else, but we need a copy of the payment's MT103 or pacs.008 message (both the MT103 and pacs.008 message can be provided by the sender).

If you wish to track an outgoing international payment you have made, please contact our customer service.