How to Track Your Money Transfer to India

Sahani Ajay
Sahani Ajay
May 13, 2025
0
How to Track Your Money Transfer to India: A Complete Guide

How to Track Your Money Transfer to India

A comprehensive guide to tracking your international money transfers - ensuring peace of mind when sending money to India

Last Updated: May 2025

Why Tracking Your Money Transfer is Important

Sending money to India from abroad involves entrusting your hard-earned funds to transfer services and banking systems. Whether you're supporting family, investing in property, or making business payments, the ability to track your transfer provides essential peace of mind and security.

In this comprehensive guide, we'll walk you through everything you need to know about tracking money transfers to India, including:

  • Step-by-step tracking procedures for popular money transfer services
  • How to track transfers through Indian banking systems
  • Common tracking problems and their solutions
  • Best practices to ensure smooth transfers
  • Mobile apps and tools that make tracking easier

By understanding the tracking systems and following our recommendations, you'll be better equipped to monitor your transfers and address any issues that may arise.

Table of Contents

Tracking Methods Explained

Understanding the different tracking systems will help you monitor your transfers more effectively:

Transaction Reference Numbers

Most money transfer services provide a unique reference number or ID for each transaction. These can be:

  • MTCN (Money Transfer Control Number) - Western Union's 10-digit tracking number
  • Transfer ID - Unique numeric or alphanumeric codes provided by services like Remitly and Wise
  • Reference Number - Bank-provided tracking codes for SWIFT transfers

Always keep these numbers safe and accessible. They are your primary means of tracking your transfer.

SWIFT and UETR Tracking

SWIFT (Society for Worldwide Interbank Financial Telecommunication) transfers use a combination of:

  • SWIFT Code - Identifies the specific bank and branch
  • UETR (Unique End-to-End Transaction Reference) - A unique identifier for cross-border payments

Banks participating in SWIFT gpi (Global Payments Innovation) provide enhanced tracking capabilities using the UETR number.

Tracking Platforms

Money transfers can typically be tracked through:

  • Service Provider Websites - Official tracking pages
  • Mobile Apps - Dedicated applications for real-time updates
  • Customer Service Channels - Phone support and chat services
  • Email Notifications - Automatic updates sent to your registered email
  • SMS Alerts - Text notifications about transfer status
  • Indian Bank Tracking Systems - Recipient bank's remittance tracking portals
Wire transfer tracking system diagram showing the flow of money and tracking information

Pro Tip:

Take a screenshot or photo of your transfer confirmation and tracking information. This provides a backup in case you lose the physical receipt or digital confirmation.

How to Track Western Union Transfers

Western Union is one of the world's oldest money transfer services and offers extensive coverage in India, with both cash pickup and bank deposit options. Here's how to track your Western Union transfer:

Step 1: Obtain Your MTCN

After completing your transfer, you'll receive a 10-digit Money Transfer Control Number (MTCN). This number is provided on your receipt or in the confirmation email/SMS.

Step 2: Visit the Western Union Tracking Page

Go to the Western Union website (westernunion.com/global-service/track-transfer) or open the Western Union mobile app.

Step 3: Enter Your Tracking Information

Enter your 10-digit MTCN and follow the prompts. You may also need to provide:

  • Sender's country
  • Transfer amount

Step 4: View Your Transfer Status

The system will display the current status of your transfer, which may be one of the following:

  • In Progress - Transfer is being processed
  • Available - Money is ready for pickup or has been sent to the recipient's bank
  • Completed - Money has been collected by the recipient
  • On Hold - Transfer requires additional verification
  • Refunded - Money has been returned to sender

Alternative Tracking Methods

Tracking Without MTCN

If you don't have your MTCN, you can still track your transfer on Western Union's website by providing:

  • Sender's full name
  • Recipient's full name
  • Destination country
  • Transfer amount

Customer Service Tracking

You can also call Western Union's customer service at +1-800-325-6000 (for US) or visit a local Western Union agent location with your MTCN and ID to inquire about your transfer status.

Important Note:

For security reasons, Western Union may require additional verification for large transfers or first-time users. This can sometimes delay your transfer

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