Tracing a money transfer depends heavily on the specific financial institution, wire service, or digital remittance platform utilized to send the funds internationally or domestically. For bank wires, you must contact your bank's customer service department and request a SWIFT trace or payment investigation using the unique reference code or transaction number provided at the time of sending. For alternative money transfer services like Western Union or digital wallets, you can log into your online account profile or use their dedicated tracking portals by inputting the transaction tracking number, sender details, and transfer amount.