WorldRemit review

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

One big drawback 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. And if you are a first-time customer, you’ll also often be able to find promo codes to get a better deal.

How much are WorldRemit’s transfer fees?

WorldRemit’s transfer fees vary depending on transfer method and where you are sending money to. For most countries, there is a standard fee of $3.99, but this can drop as low as $1.99 depending on the transfer criteria. WorldRemit will often have some sort of promo code available, so it’s worth checking to see if there is one you can use to save yourself some money.

Overall, factors that could affect your fee include:

• Location. Transfer fees may vary based on the country you are sending to. Even if two destination countries share the same currency, fees and exchange rates offered by WorldRemit may differ.
• Amount. Although the fee for most transfers will be $3.99, you may find this is higher or lower depending on the amount you are sending.
• Payment method. Sending cash will typically have higher transfer fees, while sending to a bank account tends to be cheaper.

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How are WorldRemit’s exchange rates?

WorldRemit applies a mid-market margin markup to its exchange rates. How much this is will largely depend on the transfer location. 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 low the percentage above the mid-market rate that WorldRemit is charging, the better.

As of February 22, 2022, here are the mid-market rate markups for popular destinations when sending to a bank account:

Sending to	Currency	Mid-market rate	WorldRemit rate	% above mid-market
Bangladesh	BDT	86.31	83.80125	2.91%
China	CNY	6.33	6.22928	1.59%
Guatemala	GTQ	7.74	7.52405	2.79%
India	INR	74.84	73.32709	2.02%
Mexico	MXN	20.32	20.04305	1.36%
Pakistan	PKR	177.06	171.9124	2.91%
Philippines	PHP	51.34	50.03146	2.55%

What are the ways I can send money abroad with WorldRemit?

Depending on where you live, the ways to send money through WorldRemit may vary. But the good news is that there are usually plenty of options to choose from. Here are some of the ways to send and receive money using WorldRemit:

• 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 or withdraw at authorized agents.
• 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.

How to send money transfer online with WorldRemit

To send money with WorldRemit, you will first need to set up an account. You will need to wait for this to be verified before you can send your first transfer.

After you have received confirmation that your account has been verified, just follow these steps to have money sent in as little as a few minutes:

1. Create an account. Set up your free account, which can be done in just a few minutes.
2. Submit your ID. Your identity will need to be verified before you can make a money transfer using WorldRemit. Acceptable forms of ID must include your photograph, your full name, date of birth and more. If using state ID, it must be issued by the same state you are registering to send money from.
3. Select transfer destination. Once your identity has been verified, head online or use the WorldRemit app to choose the country you want to send funds to.
4. Choose your transfer method. Select the method of transfer. Depending on your destination you can choose from cash pickup, bank transfer. Mobile money, airtime top-up or door-to-door delivery.
5. Enter amount. Input how much you want to send and then double-check the fees and exchange rates.
6. Enter beneficiary details. Add your recipient’s information including their mobile number and email address, as these will be used to notify them on the progress of the transfer.
7. Make your payment. The final step is to enter your payment information. You can pay via wire transfer, an ACH transfer, Apple Pay or with a debit or credit card.

What are WorldRemit’s payment options?

WorldRemit accepts different payment methods depending on where you are sending your transfer from. From the US, WorldRemit payment methods include the following:

• Wire transfer from a bank account
• Debit, credit and prepaid cards
• Apple Pay
• ACH transfer from a bank account

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