How to Track Your International Money Transfer – A Step-by-Step Guide

Sending money to India from the USA is supposed to be seamless. But what happens after you hit “Send”? Where does your money go? How long will it take? And most importantly, how can you track it to ensure it reaches your loved ones safely?

Let’s break it down, step by step.

1️⃣ Get the Tracking Details

As soon as you make a transfer, your provider will issue a Transaction ID or Reference Number. This is your key to tracking the money. Save it immediately!

Where to Find It?
In your confirmation email
Inside the app under “Transaction History”
Via SMS (if the service provides updates)

2️⃣ Use the Provider’s Tracking Tool

Most remittance services have a built-in tracking system on their website or app. Simply enter your Transaction ID to check the latest status.

Tracking Portals for Major Services:
Wise – Live tracking inside the app
Remitly – SMS & email alerts
Western Union – Online tracker using MTCN (Money Transfer Control Number)
Xoom (PayPal) – Status updates via email & app
GetPanda.Money – Real-time tracking & instant support

3️⃣ Understand the Transfer Stages

Knowing what each status means can help you stay informed and avoid unnecessary panic.

Pending: Transfer has been initiated but not yet processed
Processing: Money is being verified (can take a few hours to 1-2 days)
In Transit: The transfer is moving through banking networks
Completed: The recipient has received the money

Tip: If the status remains “Pending” for too long, reach out to customer support.

4️⃣ Contact Customer Support (If Needed)

If your transfer is delayed or you’re unsure about its status, don’t wait!

Who to Call?
Your Bank (if you transferred via wire)
Remittance Provider’s Support (Live chat, email, or helpline)
Recipient’s Bank (to confirm if the money has been credited