How can I make sure my money transfer made it safely?

Choose a company that offers tracking to make sure your funds reach their destination.

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Many money transfer companies and banks offer end-to-end tracking so that you can monitor the progress of your payments — check to make sure it’s an option before sending money.

Will I receive a confirmation 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.

Confirmation numbers come by many different names: tracking numbers, transaction IDs, payment notifications and more. In general, look for a highlighted number in your receipt that refers to your specific transaction. Or if you’re on the phone or in a store, ask the representative you’re speaking with how you can track your transfer once you hang up or walk out.

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.

How can I track my transfer?

With most companies, you can track your transfer using the confirmation number that came with your receipt. You should be able to view the steps of your progress, from send to receipt. A few transfer services also offer the option of text or email notification at each stage of your transaction.

Online, in store or by phone, you’ll typically receive a confirmation number or receipt by email immediately after your transaction is approved. Most banks and services allow you to use this information to track your transfer online or by calling a representative.

Many online money transfer providers allow you to type your confirmation number into their site for up-to-the-minute tracking, though you might be able to log in to your online account to view the progress of your funds in real time. Still others allow you to opt in to text updates that keep you in the loop of your transfer’s status from send to receipt.
Sample tracking page for RIA.

Sample tracking page for online provider.


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    What if I don’t have a tracking number?

    If you didn’t receive a tracking number soon after initiating your money transfer, call your provider to find out how you’ll be notified if your transaction is successful.

    Or log in to your online account to see if you have the option of reviewing your transfer’s status without the need for a call. Once you’re logged in, look for a Tracking tab or button or visit your provider’s FAQ for guidance.

    Can I track a 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.

    Tips for picking up cash

    Knowing your money is secure during a transfer is important. But if your transfer will be picked up at a store, it’s just as vital that you’re safe when retrieving your cash.

    No matter where you are in the world, exercise caution with our safety tips:

    • Call ahead. Learn the company’s business hours, and choose a safe time to pick up your cash. Daylight hours are best.
    • Avoid high-crime areas. If you have the option of choosing a pickup location, find one in a neighborhood you know.
    • Bring along a friend. Carrying money alone can makes you more vulnerable to theft.
    • Keep your cash hidden. To avoid being a target, put your money in a wallet or purse before leaving the office.
    • Deposit your money immediately. The likelihood of losing your money to theft or simple carelessness grows the longer you have it with you. Go straight to a bank to deposit your cash.

    What are my rights when transferring money internationally?

    For first-timers, transferring money out of the country can be intimidating. However, your money is protected even after it leaves the US.

    Since 2013 the Consumer Financial Protection Bureau has enforced rules to keep US citizens safer when making a money transfer overseas. Federal law now requires many banks, credit unions and money transfer providers to disclose information both before and after a transfer. These rules apply to all international transfers of $15 or more. Before an international transfer, you have the right to know:

    • The exact exchange rate you will pay.
    • Fees and taxes collected from you.
    • Fees charged by agents overseas and others involved in the process.
    • The amount your recipient is expected to receive (excluding foreign taxes and any pickup fees).

    You should also be provided details on:

    • Your right to cancel the transfer. Unless the transfer has been picked up or deposited, you have 30 minutes (and sometimes more) to cancel at no charge.
    • The bank or company’s process to investigate and fix any errors. It generally has 90 days to resolve any problems.

    How do 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.

    Can I get a refund for a money transfer?

    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.

    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 tricker 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.

    Closing the deal

    An international money transfer is a safe way to get money to loved ones and businesses worldwide quickly and easily. And with most providers, you can track your cash every step of the way to its ultimate destination.

    The Internet’s opened up a world of options beyond your local bank or corner financial stores — options that typically come with stronger exchange rates, low or no fees and flexible tools that help you lock in deals on regular transfers.

    Compare fees, rates and more to find a money transfer specialist that’s best for your needs.

    Money transfer regulations: How you’re protected

    Compare international money transfer services

    Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
    USD 0 1 - 2 days USD 1.99 18.521 MXN 92,568 Quick, affordable transfers around the world. Remitly also has an express option that can transfer your money in minutes for a higher fee. The cheaper option takes several days. Go to site Show details
    USD 1 1 - 2 days USD 0.00 18.804 MXN 94,022 Offering no maximum and no minimum limit transfers with $0 fees. Go to site Show details
    USD 1 1 - 2 days USD 50.00 18.899 MXN
    Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
    USD 1 Within an hour USD 3.99 18.82 MXN 94,023 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details
    GBP 1,000 1 - 2 days USD 0.00 18.71 MXN 93,550 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
    For larger transfers, get no transaction fees and no maximum send limits.
    Go to site Show details
    USD 1,000 1 day USD 0.00 18.71 MXN 93,550 No-maximum limit transfers with competitive exchange rates for 100+ currencies. Go to site Show details
    USD 5,000 1 day USD 0.00 18.71 MXN 93,550 Venstar will support you through the entire process of your international transactions, from start to finish. Go to site Show details

    Compare up to 4 providers

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    15 Responses

    1. 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!


    2. 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

      • Avatarfinder Customer Care
        nikkiangcoApril 24, 2019Staff

        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!


    3. 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!


    4. Avatarfinder Customer Care
      JeniMarch 4, 2019Staff

      Hi Pau,

      Thank you for getting in touch with Finder.

      If that is bank-to-bank accounts, wire transfers 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!


    5. 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.


    6. Default Gravatar
      ShineDecember 22, 2018

      I need my MTCN to collect my transfer to the USA

      • Avatarfinder Customer Care
        JeniDecember 22, 2018Staff

        Hi Shine,

        Thank you for getting in touch with finder.

        Please check your email or log in to your online account to get the MTCN.

        I hope this helps.

        Please feel free to reach out to us if you have any other enquiries.

        Thank you and have a wonderful day!


    7. Default Gravatar
      JosephNovember 29, 2018

      I sent money to Tanzania with Worldremit but the money is not there.

      • Avatarfinder Customer Care
        nikkiangcoDecember 6, 2018Staff

        Hi Joseph,

        Thanks for getting in touch! Have you checked the transfer speed to Tanzania via WorldRemit? WorldRemit transfers to Tanzania takes instant credit to up to 1-2 working days. If it has gone beyond 3 days, please contact WorldRemit and follow up on the status of the transfer. Hope this helps and feel free to reach out again!


    8. Default Gravatar
      ??September 11, 2018

      Can i track a transaction using the “TRANSACTION TRN” or ” TRN NUMBER” ??

      • Avatarfinder Customer Care
        johnbasanesSeptember 11, 2018Staff

        Hi ??,

        Thank you for leaving a question.

        Most money transfer companies now provide online access for you to track your money transfer. All you need to do is to visit the website of the money transfer company you had a transaction with and have your transaction number ready so you may enter it in the field where you can track it’s progress. Hope this helps!


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