Some money transfers can take more than five days to reach your recipient. Many money transfer companies and banks offer end-to-end tracking so you can monitor the progress of your payments.
However, each company has a different procedure for tracking transfers. To help you understand the differences, here’s a look at how the major transfer companies track your money transfer.
With most companies, you can track your transfer using the confirmation number on your receipt. You should be able to view the steps of your progress, from sending to receiving, either online or by contacting them over the telephone. A few transfer services also offer the option of text or email notification at each stage of your transaction.
In general, to track a money transfer:
Tracking a Western Union transfer requires an MTCN, which is Western Union’s tracking number. If you don’t know the MTCN, you still have options, but you’ll need to know:
Learn more about how Western Union tracking works or contact Western Union directly for further help.
MoneyGram tracking is fairly straightforward. It requires your last name and the authorization or reference number.
Learn more about how MoneyGram tracking works or contact MoneyGram directly for further help.
Ria tracking can be done through the mobile app, online or by contacting customer service on the phone. You’ll need to provide one of the following to track your money transfer:
Learn more about how Ria tracking works or contact Ria directly for further help.
Sample tracking page for Ria.
Because of Vigo’s partnership with Western Union, tracking money transfers on Vigo is very similar to the process of tracking money transfers on Western Union. Visit Western Union’s website, go to the “tracking transfer” section, enter the 10 digits of your MTCN and click “Track Transfer”.
Learn more about how Vigo tracking works or contact Vigo directly for further help.
In order to track Walmart-to-Walmart money transfers, you’ll just need to provide your transaction reference number. Learn more about how Walmart tracking works or contact Walmart directly for further help.
Depending on the service you choose to transfer your money overseas — whether a bank or independent money transfer specialist — your transaction should come with a confirmation number or a record of your transaction.
Money tracking numbers come in many different names:
Finder data suggests that men aged 25-34 are most likely to be researching this topic.
| Response | Male (%) | Female (%) |
|---|---|---|
| 65+ | 3.55% | 2.44% |
| 55-64 | 6.57% | 4.09% |
| 45-54 | 8.85% | 5.67% |
| 35-44 | 14.03% | 9.43% |
| 25-34 | 16.67% | 9.50% |
| 18-24 | 12.35% | 6.86% |
Transfers come in all shapes and sizes, and depending on what type of provider you use to send your money, you may or may not have a tracking number. Don’t worry — chances are you can still track your transfer even if you don’t have a tracking number. Here’s how:
Sending money internationally through your bank typically won’t generate a tracking number, as wire transfers are a bit different from money transfer services.
Check your receipt for a highlighted number that may be called a:
Input this website on the transfer company’s website, give it to a customer service representative on the phone or provide it at an agent location to track your transfer.
Some services, typically those that operate entirely online, require you to track through your order history instead of through a tracking number. To do so:
Sending money abroad can be risky if you don’t take the right precautions. Keep your international money transfers safe by only transferring money through licensed money transfer services. Ensure you have the correct details on hand before sending a transfer — and never send transfers to people you do not trust. This way, you’re less likely to fall prey to international money transfer scams. Lastly, always remember to keep your transfer reference number on hand so that you can track the progress of your transfers. If you notice anything suspicious, contact your provider immediately.
If you enter incorrect information for your money transfer, you typically have two options to consider: change the recipient’s information or cancel the money transfer.
Unfortunately, you’ll find that changing your recipient’s name or address is trickier after you’ve initiated a transfer. But if you haven’t entered your recipient’s details correctly, they may not be able to receive their funds at all. If you’ve found an error with your recipient’s information, call, visit or live chat with your provider immediately.
Keep any confirmation number or receipt handy to help in pulling up your transfer. Your provider should be able to correct or modify your recipient’s details for you, even if it means adding a few more days to your delivery window as the system updates. If you’ve discovered the error outside business hours, try logging in to your account — you may be able to make the changes yourself if your transfer isn’t yet complete.
Nearly all banks and money transfer providers offer some way of canceling your transaction after you’ve set it in motion — especially if your money hasn’t yet been delivered. If you need to cancel your transfer within 30 minutes, federal law guarantees a refund without penalty. Simply call or visit — in person or online — the provider you used to send your transfer. If you can log in to your online account, you may have the option of canceling there. If you initiated the transfer more than 30 minutes before, search your provider’s website for information on canceling or stopping a money transfer. Or call a representative to learn how you can start the process of halting your transaction.
If you’re able to cancel your money transfer, you should see a refund for the total you paid for it. In the rare case, a provider may deduct a cancellation fee from your refund — which might be another factor to weigh when choosing the company you ultimately go with.
If your transfer is not yet picked up or deposited into your recipient’s account, you may be able to log in to your account to cancel the transfer yourself. Otherwise, call, visit or live chat with your provider to discuss its refund process and how much you can expect to get back.
Whether products shown are available to you is subject to individual provider sole approval and discretion in accordance with the eligibility criteria and T&Cs on the provider website.
Are you visiting from outside the US?
Using international money orders to send money overseas? Learn about better options.
Instarem offers no-margin, mid-market rates for some of your money transfers.
When a loved one is stationed or deployed overseas, it’s tough to stay connected. Here’s how to quickly and easily send money.
Looking for higher transfer limits and lower fees? Explore these WorldRemit alternatives to find a good deal.
Western Union’s extensive global network comes with high fees and weak exchange rates, use these alternatives to look for a better deal.
Compare MoneyGram with competitive alternatives to find the best deal for your transfer.
From bank transfers to specialist money transfer companies, there are several options available when you need to transfer money overseas from your bank account.
If you need to transfer money overseas using your credit card, you can do so via your bank, MoneyGram, Western Union and PayPal. This can be useful in emergency situations, but credit card transfers are usually not a cost-effective option.
If you’re looking for a secure way to send money overseas, an international bank draft could be for you — but if speed is important, consider using a money transfer service instead.
Someone wants to send Money to me from Taiwan through Western Union. Can she send out the Money to me in Indonesia without changing the currency?
Hi James,
Thanks for getting in touch with Finder. I hope all is well with you. 😃
Normally, when you use Western Union, it would automatically convert the money to the local currency. For this reason, it might be difficult to receive the money in its original currency.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
I want to know about the money came from us bank through hdfc bank
Still i couldn’t get the money…the us bank already transferred the money
Hi Saini,
Thanks for getting in touch with Finder! I’m sorry to hear you haven’t received your money from your sender. I suggest getting in contact with the sender and confirm if the transfer was successful. If this was an international money transfer, take note of how long the process takes between your bank and the sender’s bank. Hope this helps!
Best,
Nikki
A transaction was made to me in Nigeria by a friend of mine in the state but he said he as never receive any email that the transaction went successful,is the transaction go and will take him to like how many mins or hours before he got a mail that his transaction was successfully ,how will I know if the money was transfer to my account
Hi Sarumi,
Thank you for reaching out to Finder.
Generally, if a transaction is made online it should only take a couple of minutes for it to be successful. Your friend may need to contact the company they sent the money through to check what needs to be done just in case there was a delay. They should also be receiving an MTC or a tracking number to easily track and check the status of the transfer. Hope this helps!
Cheers,
Reggie
Hi Pau,
Thank you for getting in touch with Finder.
If that is a bank-to-bank transfer, then a wire transfer can take from one to three business days, with delays over weekends or holidays.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
I want my money sent to me in Nigeria from overseas through transfer
Hi Ola,
Thank you for your inquiry. The money transfer services we have listed onsite are secured. For you to have peace of mind, once the transaction has been made, make sure to always get a confirmation number or a transaction number in order for you to track on the status of the money.
Hope this helps.
Regards,
Val