Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure

How to track and keep your money transfer safe

Learn how to track Money Gram, Western Union, Walmart and other money transfers.

Some money transfers can take more than five days to reach your recipient, and that’s a long time to be stressing about your money. 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.

Send money internationally with WorldRemit

WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.

  • No minimum transfers.
  • Wide range of destinations.
  • Competitive exchange rate.
Promoted

How can I track my 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:

  1. Complete your transfer. After sending a transfer, you can start tracking it.
  2. Check your receipt. Look for a reference, confirmation, order, transaction or similarly-named number.
  3. Contact the sending company. Call, go online or visit a physical location of the company you sent your transfer through and provide your tracking number.
  4. Sign up for notifications. When possible, opt in for notifications on each step of your transfer.

Track a Western Union 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:

  • Sender’s phone number OR both the sender and receiver names
  • Receiver’s country
  • Send amount OR receive amount
  • Date of transfer

Learn more about how Western Union tracking works or contact Western Union directly for further help.

Track a MoneyGram transfer

MoneyGram tracking is fairly straightforward. It requires your last name and the authorization or reference number.

  • Authorization number – This number is found in your confirmation email.
  • Reference number – This number is found in your email only after the money is ready for cash pickup.

Learn more about how MoneyGram tracking works or contact MoneyGram directly for further help.

Track a Ria money transfer

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:

  • Order number
  • PIN
  • Reference number

Learn more about how Ria tracking works or contact Ria directly for further help.
Sample tracking page for RIA.

Sample tracking page for Ria.

Track a Vigo money transfer

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 MCTN and click “Track Transfer”.
Learn more about how Vigo tracking works or contact Vigo directly for further help.

Track a Walmart money transfer

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.

How do I find my tracking number?

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:

  • Authorization number
  • Reference number
  • MTCN (Money Transfer Control Number)
  • Order number
  • PIN
  • RTRN (Remittance Transaction Reference Number)
  • Confirmation number
  • …and more

What to do if I don’t have a tracking number?

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:

Track bank wire transfers

Sending money internationally through your bank typically won’t generate a tracking number, as wire transfers are a bit different from money transfer services.

  • You’ll typically use a SWIFT code to track this transfer.
  • Call your bank’s customer service or contact your bank online.

Track using a tracking number

Check your receipt for a highlighted number that may be called a:

  • reference number
  • tracking number
  • confirmation number

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.

Track without a tracking number

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:

  1. Log in to your account
  2. Navigate to your order history
  3. Look for order details, including specific details on arrival time and any occurring delays.

How can I keep my international money transfer safe?

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.

Compare and choose the best money transfer service

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
OFX
24 hours
$0

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Dunbridge Financial
Dunbridge Financial
24 hours
$0

View details
Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
CurrencyTransfer
24 hours
$0
SPECIAL OFFER ✓ Minimum transfer of $1,000 for Finder readers (normally £5,000)

View details
Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
XE
Within minutes
$3

View details
XE has fast transfers with low fees and a range of foreign currency tools.
WorldRemit
Within an hour
From $1.99

View details
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Wise (TransferWise)
Within an hour
From $2.26

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Instarem
Within an hour
$1

View details
Exclusive: Use code GET60 to save 30 USD on each transaction over 200 USD. Valid for the first two transactions and till 30 November 2021. T&Cs apply.
Instarem offers zero transfer fees on all transfers.
Remitly
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

View details
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Western Union
Within an hour
From $0

View details
Western Union sends money online to friends and family in 200+ countries around the world.
MoneyGram
Within an hour
From $0

View details
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
loading

Compare up to 4 providers

What happens if I entered the incorrect information for my transaction?

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.

Can I change my recipient’s information if I entered it incorrectly?

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.

Can I cancel a money transfer?

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.

Frequently asked questions

What is an MTCN?

Every brand wants points for originality — and money transfer providers are no exception. An MTCN is what Western Union calls its transfer confirmation number. It stands for Money Transfer Control Number, a unique reference number assigned to your specific transfer.If you’ve ordered a cash pickup, your recipient will need to submit the MTCN before Western Union will release your funds.

Similarly, an RTRN is a specific code used for Remit2India transactions. It stands for Remittance Transaction Reference Number, and you’ll only receive it when sending money through Remit2India.

Can I track a money transfer using a SWIFT code?

Yes. If your transfer isn’t delivered within the window you were promised, you can request a trace on your transaction using the bank’s SWIFT code. A SWIFT code is an ID that banks use when sending wire transfers. With this number, your bank can determine whether the deposit is on hold or in progress.

How can “on hold” be an option? One drawback of SWIFT transfers is that banks can hold on to your money until they’re able to get an exchange rate that better favors their bottom line. If your money needs to reach your recipient by a specific deadline, be sure to specify that exact date or time to avoid any bank delay.

Sometimes you’ll need to know your IBAN — International Bank Account Number — for international money transfer tracking. This number identifies your bank account, your bank and your country to make international transfers faster. Transfers to and from the European Union often use an IBAN, so be prepared to use it when transferring money to and from the EU.

What happens if I lose my tracking number?

If you lose your money transfer tracking number, you should contact your provider immediately. In most cases, they will be able to provide you with a new tracking number if they verify that you are indeed the sender.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

15 Responses

    Default Gravatar
    JamesMay 14, 2019

    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?

      Avatarfinder Customer Care
      JoshuaMay 15, 2019Staff

      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

    Default Gravatar
    SainiApril 24, 2019

    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

      Default Gravatar
      nikkiangcoApril 24, 2019

      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

    Default Gravatar
    SarumiMarch 22, 2019

    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

      Avatarfinder Customer Care
      johnbasanesMarch 22, 2019Staff

      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

    Avatarfinder Customer Care
    JeniMarch 4, 2019Staff

    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

    Default Gravatar
    olaFebruary 8, 2019

    I want my money sent to me in Nigeria from overseas through transfer

      Avatarfinder Customer Care
      ValFebruary 16, 2019Staff

      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

Go to site