Introduction: When Money Transfers Don’t Go as Planned
When you send money from the USA to India, you expect it to reach your family quickly and securely. But sometimes, your loved ones may face challenges accessing the funds.
This can create stress and uncertainty for both the sender and the recipient. At Abound, we understand how important these transfers are, and that’s why we’ve created this step-by-step guide to help you resolve issues quickly.
Step 1: Check the Transaction Status and Track Your Transfer
Why it matters:
Sometimes, the transfer may still be pending due to verification or processing.
- Check Transfer History: Log into your Abound account and track the transfer status using the transaction reference number.
- What to Look For:
- Completed: If the transaction shows as completed, the issue may be with the recipient’s bank.
- Pending/Failed: If still pending or failed, check the reason and take corrective action.
👉 Always save your transaction ID for faster resolution.
Step 2: Verify the Recipient’s Bank Information
Common issues: Incorrect account numbers, wrong IFSC codes, or typos can cause delays.
What you should do:
- Double-check the recipient’s account number, IFSC code, and name.
- Ensure the recipient’s bank branch supports international payments.
- If the recipient is in a smaller town, confirm whether their bank allows inbound international transfers.
Step 3: Understand the Bank’s Internal Policies on International Transfers
Why delays happen:
Some Indian banks may require additional checks, which can slow down crediting funds.
What to do:
- Ask the recipient to contact their bank and confirm the processing time.
- Check if additional documents are required by the bank.
- If using IMPS or RTGS, confirm that the bank supports these for international transfers.
Step 4: Reach Out to Abound’s Customer Support for Assistance
If the issue persists, contact Abound’s customer support.
- Provide your transaction ID and details so the team can investigate.
- If needed, escalate the issue to higher support levels for quicker resolution.
Step 5: Explore Alternative Access Methods for Faster Transfers
If banks are slow or unavailable, consider alternatives:
- Cash Pickup: Abound offers cash pickup options through partnered agents across India.
- Mobile Wallets: Send money directly to apps like Paytm, Google Pay, or PhonePe for instant access.
Step 6: Be Prepared for Future Transfers: Verify Details and Have Backup Methods
Be proactive:
- Always pre-verify recipient details before sending money.
- Keep backup methods like mobile wallets or cash pickup in case bank delays occur.
Step 7: What to Do If Funds Are Deducted but Not Received by the Recipient
If the transaction fails but money is deducted:
- Check your Abound account balance and status.
- Contact customer support immediately.
- Refunds typically take 3–4 business days, depending on your bank.
Conclusion
By following these steps, NRIs can ensure that money transfers remain smooth and stress-free. With Abound’s support and multiple transfer options, your family in India will always have quick and reliable access to funds.
CTA:
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FAQs
Q1: What should I do if my family can’t access the money I sent from the USA?
A: Check the transaction status, verify the recipient’s bank details, and contact customer support. If needed, consider alternatives like mobile wallets.
Q2: How can I verify my recipient’s bank details to avoid delays?
A: Ensure the account number and IFSC code are correct, and confirm that the bank accepts international transfers.
Q3: Can I track my money transfer if my family hasn’t received it?
A: Yes, you can track transfers through the Abound app. If the status is pending or failed, contact support.
Q4: What should I do if my payment was deducted but not processed?
A: Check your Abound balance and request a refund. Refunds usually take 3–4 business days.
Q5: What alternatives can I use if my family can’t access funds through their bank?
A: You can switch to mobile wallet transfers or cash pickup services for faster access.
