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Remitly international money transfers review

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Quick, easy money transfers with competitive exchange rates.’s rating: 2.5 / 5.0


How’d we get our score?

Fees & rates: 3.0 / 5.0
Speed: 2.0 / 5.0
Services: 2.0 / 5.0
User experience: 3.0 / 5.0

Remitly has recently expanded the number of countries you can send money to. While you have daily and monthly limits on how much you can send, with its On-Time promise, you’ll get your money back if your recipient doesn’t receive the funds on time.


Min. Transfer Amount

USD 20,000

Max. Transfer Amount

1 - 2 days

Transfer Speed


Product NameRemitly
Min. Transfer AmountUSD 0
Max. Transfer AmountUSD 20,000
Transfer MethodsOnline, Bank Account to Bank Account, Cash Transfer
Transfer Speed
Minimum transfer time
1 - 2 days
Customer ServicePhone, Chat, Email
Online Transfer FeeUSD 1.99

Remitly is best for:

  • Small transfers. New users can send up to $999 daily.
  • Transfers to Mexico or other countries in South America or Asia.
  • Fast transfers. Send money in minutes with a debit card or credit card.

How much does Remitly cost?

Fees vary depending on where you’re sending money, how much you’re sending and how you’re paying. If you’re paying with a credit card, you’ll typically pay a 3% fee on your transaction, unless you’re sending from the UK, which has no additional cost. Debit card transactions come at no extra fee. In most cases, you’ll pay $3.99 for transactions of $1,000 or less. For transfers over $1,000, there’s usually no fee.

For example, if you’re sending money to Mexico, you’ll pay nothing for transactions of more than $500. Transactions of $150 to $499 typically cost $3.99, while transactions of $10 to $149 cost $4.99.

However, sending money to some countries can be more costly. For example, when sending money to Honduras or Peru, the price will increase by $10 for every $100 for transfers exceeding $2,000. These fees don’t apply to all countries, so be sure to confirm the fee you’ll pay before completing your transfer.

How are Remitly’s exchange rates?

Remitly updates its exchange rates daily to align with exchange rates on global markets, locking in the exchange rate you see at the beginning of your transaction.

For some countries, you’ll find weaker exchange rates than those of competitors.

Calculate your transfer with Remitly

Choose your currency and desired transfer amount (maximum $20,000). Exchange rates change frequently, so visit Remitly’s site to get a final quote.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 0 1 - 2 days USD 1.99 24.493 MXN 122,417 Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
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.

What types of transfers does Remitly support?

You can only make one-off transfers with Remitly. This provider supports international money transfers made from your laptop or mobile device. Money can be deposited to a bank account, delivered to a mobile wallet like Google wallet or made available for cash pickup.

You can pay for a transfer with your:

  • Debit or credit card. Funds are sometimes available in minutes, but can be subject to a 3% fee if using a credit card.
  • Bank account. Typical transfer speeds are three to five days, but these can also be subject to delays from bank holidays. Its express transfers — paid by debit card or credit card — can arrive in minutes. And you have the option to pay a higher transfer fee for express service.

How much can I send with Remitly?

Send money via bank-to-bank, cash pickup or mobile wallet transfer.

With Remitly, how much you can send depends on the tier you’re approved for. New users can send up to $999 daily, $2,999 weekly, $6,000 monthly and $18,000 every six months by default.

Residents of Arizona: If you live in Arizona, your state has its own rules for transactions of $1,000 or more. You’ll need to contact Remitly for details.

To graduate up through Remitly’s tiers to higher maximums, you simply need to provide more personal information and an ID:

  • Tier 1. Send up to $2,999 daily, $10,000 monthly, and $18,000 every six months.
  • Tier 2. Send up to $6,000 daily, $20,000 monthly, and $36,000 every six months.
  • Tier 3. Send up to $20,000 daily, $30,000 monthly, and $60,000 every six months.
  • Custom tier. You can speak with a representative to discuss custom sending limits, depending on your needs.

Pros and cons of Remitly


  • It’s fast. Send money in minutes from your computer or mobile device.
  • Offers cash pickup. Send to more than 10,000 agent locations. While Remitly offers cash pickups, this option isn’t available in all countries it services.
  • Receive text updates. Track your transfer’s progress with updates to your phone.
  • Secure website. SSL with 256-bit encryption keeps your money safe.


  • Low maximum daily limits. Especially for lower tiers.
  • Higher fees for expedited service. Credit card transactions and transfers to certain countries can be expensive.
  • Requires government-issued ID. Higher-tier requirements could deter those without an ID.

How do I send money through Remitly?

Send money quickly from your computer or mobile device with these steps:

  1. Log in or create an account. Register with an email address, your personal information, your date of birth and the last four digits of your Social Security number or your Individual Taxpayer Identification Number.
  2. Send money. Choose your recipient’s country and enter how much you’re sending.
  3. Enter recipient’s information. Provide your recipient’s name and contact information, including their mobile phone number. If you’re sending a bank deposit, also enter your recipient’s banking details.
  4. Choose your payment method. Pay with your bank account, credit card or debit card.
  5. Confirm your transaction.
  6. Click “Send Money” to complete your transfer.
  7. Check your mobile phone. Remitly will send text updates on your transaction to your phone.

How does Remitly compare to other services?

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
USD 1,000 1 day USD 0.00 0.916 EUR 4,581 No-maximum limit transfers with competitive exchange rates for 100+ currencies. Go to site Show details
GBP 1,000 1 - 2 days USD 0.00 0.916 EUR 4,581 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.
Go to site Show details
USD 1 1 - 2 days USD 0.00 0.921 EUR 4,607 Offering no maximum and no minimum limit transfers with $0 fees. Go to site Show details
USD 2,000 1 day USD 0.00 0.916 EUR 4,581 $0 transfer fees with rates at never more than a 2% markup. Go to site Show details
USD 0 1 - 2 days USD 1.99 0.907 EUR 4,533 Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
Go to site Show details
USD 1 1 - 2 days USD 40.00 0.925 EUR
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
EUR 1,000 1 - 2 days USD 10.00 0.916 EUR 4,572 Use TransferMate to help you send money to almost any country around the world for a small fee. Go to site Show details
USD 1 Within an hour USD 3.99 0.922 EUR 4,604 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. 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.

Bottom line

Remitly is a quick, secure way to send money internationally. Cash pickup is available, or you can choose to pay an express transfer fee with a credit or debit card so your transfer is ready in minutes.

If you’re sending money to recipients outside of the more then 40 countries Remitly services, be sure to compare the fees, rates and transfer speeds of other money transfer specialists.

Frequently asked questions about Remitly


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

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

Learn the details of our methodology and scoring.

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  1. Default Gravatar
    September 9, 2019

    If I send money to myself in Mexico, what address shoud I use? The one listed on my US ID?

    • Avatarfinder Customer Care
      September 11, 2019

      Hi John,

      Thanks for reaching out to Finder.

      If you are referring to what address you should use for the recipient’s address, you need to add your Mexican address on the recipient information.

      You will also need to provide your phone number in Mexico and your name should match the name that appears on your ID.

      I hope this helps.


  2. Default Gravatar
    August 15, 2019

    Don’t EVER use this company. They are a joke. I’ve been on the phone with customer service for HOURS this morning. I sent TWO payments yesterday to the same person. One went through and one did not. The bank came back and said that the name I provided doesn’t match the account which is a bunch of bullshit because I’ve been paying this person for months with the same information and the same account. One person went back to the bank and said they corrected it but they did not so I called back for a FOURTH time. This person is just lazy and refuses to contact the bank and get the problem resolved. They also refuse to refund my money. Completely unbelievable. DO NOT USE EVER!

    • Avatarfinder Customer Care
      August 16, 2019

      Hi D Spencer,

      Thanks for reaching out to Finder and thank you for providing your feedback and letting us know about this issue. I’m sorry to hear that their service did not satisfy your expectations. Our team will take note of this feedback. If you still have an unresolved complaint regarding Remitly’s money transmission or currency exchange activity, please direct your complaint to the consumer assistance division of Remitly. Please visit their website to get the assistance division phone number.

      Kind Regards,

  3. Default Gravatar
    March 18, 2019

    I have question. If someone send me money then I lose the money, who I can ask about this problem?

    • Avatarfinder Customer Care
      March 19, 2019

      Hi Barzan,

      Thanks for getting in touch! For cases where the money you transferred is lost – contact your money transfer provider to report the case and they will be able to assist/guide you on the next steps. When sending money – it’s important to check the exchange rate beforehand to maximize the funds to be exchanged. Also, read through the transfer process of the provider such as transfer fees, transfer options and transfer speed to set expectations for the receiver. Take note of any reference or tracking numbers should any transaction delays/issues come up during transit. Hope this helps and feel free to email back if you have questions.


  4. Default Gravatar
    January 16, 2019

    If I send money to Colombia where can they pick up the money?

    • Avatarfinder Customer Care
      January 20, 2019

      Hi Camila,

      Thank you for getting in touch with finder.

      You may find Remitly’s cash pickup partners in Colombia by going to their official page. Some of their cash pickup parters are Carulla, Super Inter, BBVA and Exito.

      I hope this helps.

      Thank you and have a wonderful day!


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