WorldRemit Money Transfer Review

A secure way to send money to over 150 countries and track it every step of the way.

  • Good for sending to those without a bank account in a wide range of countries.
  • Not so great for larger transfers, due to the low daily minimum.

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Min. Transfer Amount

CAD 40,000

Max. Transfer Amount

Within an hour

Transfer Speed


Product NameWorldRemit International Money Transfers
Min. Transfer AmountCAD 0
Max. Transfer AmountCAD 40,000
Transfer MethodsOnline, Bank Account to Bank Account, Cash Transfer
Transfer OptionsOne off payments
Transfer Speed
Minimum transfer time
Within an hour
Customer ServicePhone, Email
Exchange Rate UpdatesDaily
Online Transfer FeeCAD 3.99


  • No minimum transfer amount
  • Large range of destinations
  • Competitive exchange rate


  • Significant amount of transfer fees as amount goes up
  • Maximum amounts apply when sending

Review by

Zak Killermann is a writer at Finder who’s been specializing in cryptocurrencies and blockchain technology for four years — covering everything from ICO booms, crypto winters, memecoins and more. He’s mined and minted cryptocurrencies, and remembers the days when DOGE was just for fun. Zak’s focus is in breaking down technical concepts (like yellow papers) for the average folk to digest on their morning commute. Before diving into all things crypto, Zak contributed to Finder’s money transfers vertical.

Expert review

WorldRemit’s network isn’t quite as large as brands like Western Union, but you’ll often find better rates and lower fees with WorldRemit. Plus, WorldRemit’s app and website tell you upfront what exchange rate and fees you’ll be paying without needing to sign up first. This makes it easier to compare against other companies to see if you’re getting the best deal.

One major downfall of WorldRemit is that you can’t pay in cash, but its global network does support cash pickups in many countries worldwide. Other delivery options like mobile airtime top-ups, bill pay and door-to-door cash delivery help round this service out for some sending destinations. You’ll also often be able to find promo codes to get a better deal if you’re a first-time customer.

WorldRemit's coronavirus response

With the pandemic affecting how we can pick up money transfers, WorldRemit is asking customers to send transfers online through the WorldRemit app. And, where possible, to send to your recipient’s mobile money or airtime accounts. Cash pickup locations may not be available or may have reduced hours as local businesses are affected by movement restrictions.

What is WorldRemit?

WorldRemit is a global remittance company that was founded in 2010 by Ismail Ahmed, a Somali migrant who was studying in London at the time. WorldRemit is currently headquartered in London, UK, but operates in more than 150 countries around the world.

Why should I consider WorldRemit?

  • Easy-to-use website. Signing up and sending money can be done in as little as a few minutes, and support can be accessed through phone, email, live chat and FAQs.
  • Worldwide network. Customers in more than 50 countries can send funds to over 150 countries in a variety of methods, including bank transfers, cash pickup at thousands of locations, door-to-door delivery, delivery to services like Alipay and more.
  • Flexible payment options. Pay with a credit or debit card, from your bank account, through Apple or Google Pay and even with prepaid cards.
  • Fast transfers. Cash pickups, WorldRemit Wallet transfers and airtime top-ups are typically available instantly after sending, while mobile money and bank deposits may take one or more business days to process.

What to be aware of with WorldRemit

  • Maximum daily limits. Transaction limits depend on how you are sending the money, while a total 24-hour cap of $40,000 CAD applies to all transactions being sent by you out of Canada. The maximum send amount per transaction is $4,000 CAD.
  • Changing fees. Depending on where you are sending to, how you are paying and how you are transferring money, your fees may vary. Although a base fee of $3.99 is applied to most transfers, keep an eye on this category when actually completing your transfer to make sure it doesn’t change.
  • No hedging options. WorldRemit only offers one-off transfers, unlike some of its competitors that offer additional tools to help you save money. Hedging tools are most often used to lock in an exchange rate, helping you save money on future transfers if the market shifts against your position.
  • Inconsistent markups. Exchange rates vary through WorldRemit and depend not only on the currency you are sending to but also on the destination country. Expect mid-market markups anywhere from 1-4%.

Zero fees on your first THREE money transfers

Send money with WorldRemit using the code '3FREE' and pay no fees on your first three money transfers

Popular WorldRemit coupon codes

Last checked Code description Code
26 Jul 2021 Zero fees on your first THREE money transfers 3FR****

WorldRemit’s fees and exchange rates explained

Transfers through WorldRemit will have both a fee and a mid-market margin markup added to them. These depend on the following:

  • Location. Fees and exchange rates may vary based on the country you are sending to. Even if 2 destination countries share the same currency, the exchange rate offered by WorldRemit may vary when sending to each.
  • Amount. Although the fee for most transfers will be $3.99, some countries will have higher fees based on the amount you are sending.
  • Delivery. Sending cash will typically have higher fees, while sending to a bank account tends to be cheaper.

Unlike many competitors, WorldRemit offers the same exchange rate no matter how much you send.

Sending $500 from Canada around the globe

As of June 23, 2020, here are the mid-market rate markups and fees for popular sending destinations around the world when sending to a bank account. The mid-market rate is the exchange rate you’ll see when you look up a currency pair on Google and is the current recognized rate that traders use to buy and sell a pair of currencies. The lower the percent above the mid-market rate that WorldRemit is charging, the better.

Sending toCurrencyMid-market rateWorldRemit rate% above mid-marketFees from (CAD)

Calculate how much your transfer with WorldRemit could cost

Choose the currency you want to send and enter the desired transfer amount. The table will give you an idea of what your transfer could look like.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
CAD 0 Within an hour CAD 3.99 0.806 USD
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Check if there are any WorldRemit promo codes available

How long does a transfer with WorldRemit take?

WorldRemit transfer speeds depend on the delivery method you choose.

Delivery methodTransfer speed
Bank transferWithin minutes to 5 business days
Cash pickupInstant
Mobile moneyWithin minutes
Airtime top-upWithin minutes
Home delivery1-7 business days

Where can I use WorldRemit?

WorldRemit transfers can be sent from over 50 countries and received in over 150 countries. You can check out the full list of currencies here, but popular currencies and sending destinations include the following:

  • Mexico: Mexican peso (MXN)
  • China: Chinese yuan (CNY)
  • India: Indian rupee (INR)
  • Philippines: Philippine peso (PHP)
  • Vietnam: Vietnamese dong (VND)
  • Guatemala: Guatemalan quetzal (GTQ)
  • Nigeria: Nigerian dollar (NGN)
  • El Salvador: El Salvador colon (SVC)
  • Dominican Republic: Dominican peso (DOP)
  • Thailand: Thai baht (THB)

Is WorldRemit safe to use?

WorldRemit uses many methods to keep your money safe and is authorized and regulated by many government agencies. In short, here is how WorldRemit keeps your money safe:

Secure payment channels

Depending on where you are sending money from and to, you can expect your payments to be secured by the following:

  • Apple Pay
  • Android Pay
  • Verified by Visa
  • Mastercard and Maestro SecureCode

Regulation compliance

WorldRemit holds many licenses around the globe, including in the following countries:

  • United States
  • United Kingdom
  • Canada
  • Australia

Dedicated security teams

WorldRemit uses machine learning to monitor all transactions, and anything suspicious is forwarded for human attention. When problems pop up, customers can contact WorldRemit 24/7 by using the following methods:

  • Telephone
  • Emails
  • Live chat

What WorldRemit’s reviews look like

Trustpilot4.5 out of 5 — based on 40,437 customer reviews
CompareRemit1.5 out of 5 — based on 149 customer reviews
Monito8.3 out of 10 — based on staff reviews
Finder4.5 out of 5 — based on staff reviews

Reviews accurate as of June 23, 2020.

A lot of the complaints found online about WorldRemit have to do with the time delay when receiving a refund and occasional claims that a refund wasn’t received at all when requested. Overall, WorldRemit customer care seems to answer these complaints on the various threads they are posted, often providing additional phone numbers for the customer to reach out and receive more help to solve their issue.

WorldRemit has been in business since 2010. Aside from 24/7 customer support, the website also boasts an extensive FAQ to help customers find the answers to many popular questions and concerns surrounding the service.

How do I transfer money through WorldRemit?

There are 6 easy steps to follow:

  1. Choose the country you want to send to
  2. Select the method of transfer
    • Bank transfer
    • Cash pickup
    • WorldRemit Wallet
    • Mobile top-up
    • Airtime top-up
  3. Enter sending amount then double-check fees and exchange rate
  4. Add recipient information
  5. Add payment information
  6. Send money

How to find a WorldRemit location to send money in-person

How do I receive money through WorldRemit?

Depending on where you live, the ways to receive money through WorldRemit may vary. WorldRemit offers the following ways to receive money:

  • Cash pickup. Pick up a cash transfer at one of WorldRemit’s partner network locations – these are typically banks.
  • Bank transfer. Have the money delivered straight to your bank account. Additional fees may apply, so always double-check with your bank before accepting a transfer this way.
  • Mobile money. Receive money into your existing mobile wallet service, which you can then use to pay bills, withdraw at authorized agents and similar actions.
  • Airtime top-up. Have money sent directly to your telecom network to cover your phone bill.
  • Door-to-door delivery. Physical cash is delivered straight to your door, but you must present a valid ID that matches the details entered by the sender.

What information will I need to send a transfer?

To send money through WorldRemit, you’ll need the following:

  • A WorldRemit account. Creating an account is free and can typically be done in a few minutes or less.
  • Valid payment. Payment options for transfers out of Canada include debit, credit, Interac, prepaid card, bank account transfers, Apple Pay and Android Pay.
  • Recipient’s name and contact information. To make sure your transfer goes smoothly, have your recipient’s legal name, bank account information and contact info ready when setting up your transfer.
  • Valid identification. Valid ID is required to transfer with WorldRemit. Acceptable forms must include your photograph, your full name, date of birth, expiry date and more. If using a provincial or territorial ID, it must be issued by the same province or territory you are registering to send money from. The exact type of ID that’s acceptable depends on whether you’re providing proof of identification or proof of address. Some forms of ID that may be acceptable include:
    • Canadian or international passport
    • Canadian permanent residence card
    • Canadian driver’s license
    • Canadian military ID
    • Canadian passport card
    • Canadian refugee document
    • Canadian visa
    • Canadian employment authorization card

WorldRemit Wallet, mobile money and airtime top-ups explained

Some of these services you may know under different names and not all of them are available worldwide.

WorldRemit Wallet

Similar to other digital wallets, the WorldRemit Wallet enables users in select countries to store money without having to move it to a bank account or for cash pickup. The WorldRemit Wallet comes included in the WorldRemit mobile app in participating countries and can currently store US dollars, Philippine pesos, Ugandan shilling and Central African francs.

WorldRemit mobile money

Mobile money is an ewallet service that is available for use in more than 80 countries and may be particularly useful for the underbanked and unbanked. Mobile money uses smartphones and basic phones to store money that can be saved, withdrawn and sent by the user through their phone. Users can use their mobile money to buy things in participating stores and online shops as well as to pay bills and more.

Airtime top-ups

Many mobile service providers allow you to pay for service through money transfers. This is where airtime top-ups come into play. WorldRemit allows you to pay for service in other countries, perhaps for your friends or family, so that they will have airtime minutes and text balances to stay in touch with you.

Does WorldRemit have a mobile app?

WorldRemit app screenshot

Yes, WorldRemit has an app available on both the App Store and through Google Play. Through the app, you can do the following:

  • Save contact information. Store your frequent recipients to make starting a transfer to them even quicker.
  • Get daily price notifications. Keep an eye on multiple currency pairs to send your money when the exchange rate is in your favor.
  • Track transfers. See the progress of your transfer in the app and opt in or out of SMS notifications.
  • Access customer support. Find live chat, telephone numbers and email options to contact customer support through the app.
Reviews accurate as of June 23, 2020
Google Play Store4.2 out of 5 — based on 67,260 customer reviews
Apple App Store4.7 out of 5 — based on 13,953 customer reviews

Compare WorldRemit to other transfer services

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
CAD 1 Same day CAD 0.00 0.805 USD
XE has fast transfers with low fees and a range of foreign currency tools. Go to site Show details
CAD 10 Within an hour CAD 1.99 0.8 USD
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Go to site Show details
CAD 1 1 - 2 days CAD 45.00 0.809 USD
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Want to compare WorldRemit with other services side-by-side?

Bottom line

WorldRemit offers clear pricing on the fees and exchange rates it uses, making comparisons a breeze when trying to find the best price for your transfer. With many years under its belt, while serving millions of customers a year, new customers should have little reason to worry when sending a transfer through WorldRemit.

Frequently asked questions

Can I send money with WorldRemit without ID?

No, WorldRemit requires ID to verify your identity when sending from Canada.

Can I pay with cash at WorldRemit?

No. Since WorldRemit doesn’t have any agent locations from which to send money, paying with cash is not an option.

How do I track my WorldRemit transfer?

Whether sending online or through the WorldRemit app, your transfer will automatically be tracked and you’ll automatically be updated. You can opt in to SMS updates so that you’ll know exactly when your transfer arrives or if it has hit any snags along the way.

How do I contact WorldRemit customer service?

Contact WorldRemit customer service in the following ways:

  • Live chat – You’ll start by talking with a bot but can navigate to a real agent.
  • Email – Use WorldRemit’s onsite email form to send an email about your problem or concern.
  • Phone – Call +1 (888) 772-7771 to reach WorldRemit customer service in Canada.

What are my rights when cancelling a transfer?

In Canada, if you want to cancel a money transfer, you should contact the transfer service as soon as possible. If the funds have not yet been processed, you may be able to stop the transaction and get a refund. If the funds have already been processed, you won’t be able to stop and reverse the transaction. In this case, you’ll have to wait for the recipient to receive the funds, and then have the money sent back to you.

How do I file a complaint?

The process for filing a complaint will vary depending on what province or territory in which you live. Visit this page on the government of Canada website to find the appropriate consumer affairs office.


Our team analyzes money transfer providers offering services in Canada – from big names to digital upstarts. We rank rates and fees, speed, services and user experience for the following providers:

  • Wise
  • XE
  • OFX
  • WorldRemit
  • Currencies Direct
  • Western Union
  • RIA Money Transfer
  • MoneyGram
  • Remitly
  • Payoneer
  • Remit2India
  • Xoom
  • PayPal

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Ask an expert

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    Default Gravatar
    September 4, 2016

    HeLLo Maam , My Father Send Me Money But He Did Not Ask Me To For My Phone Number ? Is That Possible For Worldremit To Give Reference Number Without phone Number ?

      Avatarfinder Customer Care
      September 6, 2016

      Hi Misha,

      Thanks for your question.

      Worldremit also sends notifications via email – you may want to check if your father provided this.

      Hope this helps.

    Default Gravatar
    September 3, 2016

    Please if I sender send money from Germany to Nigeria straight to my account how long will that take to show up at my account

      Avatarfinder Customer Care
      September 6, 2016

      Hi Shina,

      Thanks for your question.

      Unfortunately the Worldremit website doesn’t say how it takes. Generally, bank transfers take two to three days while cash pick up and phone transfers are instant.

    Default Gravatar
    August 31, 2016

    How can the recipient details be modified? Coz I am the recipient but I was not aware that my bank account, which is a BDO Cash Card is not capable of receiving International Remittances. Thus it needs to be amended as “Pick Up” or it can be cancelled and create a new transaction instead? How much is the service charges? Please Help. The sender is from Sydney, Australia. The recipient is from the Philippines.

    Thank you so much!

    Hoping for your prompt action.

    Truly yours,


      Default Gravatar
      September 1, 2016

      Hi Art,

      Thank you for your inquiry. Please note that is an Australian comparison website and we don’t represent Worldremit.

      If you want to modify how to receive the money, your sender (from Sydney) needs to contact Worldremit directly on the contact details listed in the blue box above.


    Default Gravatar
    August 31, 2016

    Can I send money from Nigeria to United States? If yes how do I send it.

      Default Gravatar
      Anndy Lou
      September 1, 2016

      Hi Dennis,

      Thanks for your question.

      Worldremit offers services in the United States and Nigeria, so it is possible to send money between these two countries.

      You can start sending money by clicking the “Go to site” button above. When you are in the Worldremit website, please be sure to change the “Send from” details to your own country.


    Default Gravatar
    August 6, 2016

    hello, i am sending money to KATHMANDU, where would my receiver collect amount from..? Can it be collected from IME if it is cash pickup or is there any branches to collect amount..?

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