Oschadbank has connected to the National Bank of Ukraine’s TrackSEP service, enabling clients in the micro, small, and medium-sized business (MSME) segment to track the status of interbank payments in IBAN format in real time, the financial institution announced on Monday.
“It is important for businesses to understand what is happening with their money at every moment. Thanks to TrackSEP, entrepreneurs can see the entire payment journey from dispatch to crediting and can make quick decisions without wasting time,” said Natalia Butkova-Vitvitska, a member of Oschadbank’s board responsible for the MSME segment.
As noted, the service operates 24/7 in real time, also covers instant payments, and allows users to track the stages of an interbank transfer without contacting the bank. Each payment has a unique UETR (Unique End-to-End Transaction Reference) identifier that accompanies it throughout its journey between banks.
To check the payment status, the customer needs to find the UETR in the web version or CorpLight mobile app, go to the regulator’s website, and enter this code and the payment amount. The service displays the stages of the transfer’s processing: from creation to crediting or rejection, with the reason indicated. The data is stored for 30 days.
As reported, on December 1, 2025, the National Bank introduced the TrackSEP service in the Electronic Payments System (EPS) to track payments 24/7 from the moment of initiation until funds are credited.
According to the regulator’s data, as of March 1, 2026, Oschadbank ranked second (UAH 503.07 billion) in terms of net assets among 58 solvent banks.
