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WorldRemit review

Here's a secure way to send money to over 150 countries and track it every step of the way.’s rating: 4.5 / 5.0


How’d we get our score?

Fees & rates: 4.0 / 5.0
Speed: 5.0 / 5.0
Services: 4.0 / 5.0
User experience: 5.0 / 5.0

Within minutes

Fastest Transfer Speed


Minimum Transfer Amount


Maximum Transfer Amount


Customer ServicePhone, Live chat
Pay ByCredit card, Debit card, Bank transfer
Receiving OptionsCash pickup location, Bank account, Mobile wallet, Prepaid phone credit, Alipay (China only)

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.


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

Why should I consider WorldRemit?

  • Straightforward 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 using 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 watch out for

  • Maximum daily limits. Transaction limits depend on how you are sending the money, while a total 24-hour cap of $9,000 applies to all transactions being sent by you out of the US.
  • Changing fees. Depending on where you are sending to, how you are paying and how you are transferring money, your transfer 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%.

Exchange rates and fees

Transfers through WorldRemit will have both a fee and a mid-market margin markup added to them. Transfer fees for WorldRemit vary, but for sending from the US to most countries, the standard fee is $3.99. WorldRemit’s fees and exchange rates may change based on the following:

  • Location. Transfer fees and exchange rates may vary based on the country you are sending to. Even if two 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.
  • Payment method. Sending cash will typically have higher transfer 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.

Check if there are any WorldRemit promo codes available

What are WorldRemit’s exchange rates?

As of May 25, 2020, here are the mid-market rate markups and fees for popular 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 (USD)

How long does a WorldRemit transfer take?

WorldRemit transfer speeds depend on the delivery method you choose.

Delivery methodTransfer speed
Bank transferWithin minutes to five business days
Cash pickupInstant
Mobile moneyWithin minutes
Airtime top-upWithin minutes
Home deliveryOne to seven business days

What currencies can I send?

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)
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Is WorldRemit safe to use?

WorldRemit uses many methods to protect your transaction and is authorized and regulated by many government agencies, including the Financial Conduct Authority under the Payment Services Regulations 2017 and Electronic Money Regulations 2011.

In short, here is how WorldRemit protects your transfer:

  • 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
    • 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
    • Email
    • Live chat

WorldRemit reviews and complaints

WorldRemit has strong reviews online, including an excellent rating on Trustpilot with more than 41,000 reviews. Many reviews rave about the easy-to-use app, fast transfers and reasonable prices. However, keep in mind that many of the bad reviews focus on poor customer service and delayed refunds.

Trustpilot4.1 out of 5 — based on 45,407 customer reviews
CompareRemit1.5 out of 5 — based on 214 customer reviews
Monito8.3 out of 10 — based on staff reviews
Finder4.5 out of 5 — based on staff reviews

Reviews accurate as of March 21, 2021.

Diving deeper, 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. Many users on Reddit also mentioned that making transfers from smaller banks can be a hassle with WorldRemit, as their bank refused the transfer the first time around. 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.

What payment methods does WorldRemit accept?

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

Around the world, WorldRemit also accepts the following payment methods:

  • POLi
  • Interac
  • iDEAL
  • Trustly

What are the ways I can send money with WorldRemit?

Depending on where you live, the ways to send money through WorldRemit may vary. WorldRemit offers the following ways to send and 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 do I need to send money online through WorldRemit?

You’ll need some key pieces of identification to send money online through WorldRemit, including 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 the US include debit, credit and prepaid cards, bank account transfers and Apple 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 and more. If using a state ID, it must be issued by the same state you are registering to send money from. Typically accepted forms of ID include the following:
    • US or international passport
    • US permanent residence card
    • US driver’s license
    • US military ID
    • US passport card
    • US refugee document
    • US visa
    • US employment authorization card

How to make my first transfer

There are six steps to follow for your first transfer through WorldRemit:

  1. Choose the country you want to send to
  2. Select the method of transfer
  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
Blue icon of forms

How do I track my WorldRemit money 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 the US.

My experience with signing up

Signing up with WorldRemit took longer than I expected. I created my account and submitted a photo of my driver’s license, but since my license didn’t match my address, I had to submit additional identification as proof. Here are some key takeaways:

  • Did I have to interact with customer service? Yes, both on the phone and through email.
  • How long did it take? The entire process took almost a week, which was partially my fault for not promptly responding to emails and submitting documentation on time.
  • What was unexpected? Customer service was extremely helpful, both on the phone and through email.
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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 April 7, 2020
Google Play Store4.3 out of 5 — based on 59,751 customer reviews
Apple App Store4.8 out of 5 — based on 40,000 customer reviews

Compare WorldRemit against more services

Our table lets you compare the services you can use to send money abroad. Compare services on transfer speeds and fees, then click Go to site when you're ready to send.
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer) Learn More
24 hours

View details
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
Dunbridge Financial
Dunbridge Financial
24 hours

View details
Dunbridge Financial offers competitive exchange rates and zero fees on transfers to more than 120 countries.
24 hours
SPECIAL OFFER ✓ Minimum transfer of $1,000 for Finder readers (normally £5,000)

View details
Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
Within minutes

View details
XE has fast transfers with low fees and a range of foreign currency tools.
Within an hour
From $1.99

View details
New customers send USD 20 to Lebanon and use code ADD10 for a USD 10 discount. Valid till 7 November 2021. T&Cs apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Wise (TransferWise)
Within an hour
From $2.26

View details
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Within an hour

View details
Exclusive: Use code GET60 to save 30 USD on each transaction over 200 USD. Valid for the first two transactions and till 30 November 2021. T&Cs apply.
Instarem offers zero transfer fees on all transfers.
Within minutes
From $0
SPECIAL OFFER ✓ Free transfers and better exchange rates available for new customers

View details
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.
Western Union
Within an hour
From $0

View details
Western Union sends money online to friends and family in 200+ countries around the world.
Within an hour
From $0

View details
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.

Compare up to 4 providers

Find out other alternatives to WorldRemit

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. Because there are many WorldRemit alternatives out there, it may be worth shopping around before sending your transfer. Prices aside, WorldRemit has many years under its belt, while serving millions of customers a year, so new customers should have little reason to worry when sending a transfer through WorldRemit.

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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

Frequently asked questions

Can I send money with WorldRemit without ID?

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

What are my rights when cancelling a transfer?

The US has federal laws in place to protect you when sending a money transfer within certain guidelines. You’ll have a minimum of 30 minutes from the time of your transfer to cancel, and refunds can take up to 7 business days to return to your account. In some circumstances, your transfer cannot be cancelled, for example, if it has already been picked up in cash.


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 the following providers:

  • Wise
  • 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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    Default Gravatar
    August 10, 2019

    One of my family send me a Money few hours ago I haven’t seen it what going on

      Avatarfinder Customer Care
      August 11, 2019

      Hi Kayode,

      Thanks for contacting Finder.

      Usually, the money you send is available for your recipient to collect at one of more than 30,000 agent locations worldwide within minutes. If there is a delay you can directly contact WorldRemit to see what’s up.

      Use the “Go to site” button to go to WorldRemit’s website and access their contact page to get in touch with their representative.

      Kind Regards,

    Default Gravatar
    March 13, 2019

    which methods Ria send money direct in bank from Portugal to Nepal please i need answer. do u use swift code or other method Ria use for while you send money to bank account

      Avatarfinder Customer Care
      March 14, 2019

      Hi Nilam,

      Thank you for reaching out to Finder.

      There are no send locations in Portugal for you to start a send transaction. You may need to contact Ria directly to check if there are other methods available in sending money from Portugal. Hope this helps!


    Default Gravatar
    February 20, 2019

    i need your telephone number

      Avatarfinder Customer Care
      February 21, 2019

      Hi Christian,

      Thanks for your inquiry.

      I’m afraid that WorldRemit doesn’t have a phone number that you may call if you are in Nigeria. If you have questions or other concerns, you may call or fill out an online form for help on their website.

      I hope this helps.

      Kind regards,

    Default Gravatar
    February 10, 2019

    Send money to Nigeria? Any restrictions?

      Avatarfinder Customer Care
      February 10, 2019

      Hi Nancy,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      If there are restrictions you need to know, it could be more on the send limit of WorldRemit.

      For example, if you are using debit, credit or pre-paid cards when sending money, the maximum send amount per 24 hours is USD 9,000 and the maximum send amount per transaction is USD 5,000. Moreover, you would also need to pass the verification process of WorldRemit placed for US citizens.

      It is also advisable if you could read the T&Cs of WorldRemit to learn more about their restrictions.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    December 29, 2018

    Must I have identification before I can use WorldRemit to send money to any country I want?

      Avatarfinder Customer Care
      December 29, 2018

      Hi Yaggie,

      Thanks for reaching out to finder.

      Yes, you will need to verify your identity before you can use WorldRemit’s money transfer service. As a financially regulated company, WorldRemit is required by law to verify all of their customers.

      To verify your identity, you can upload your government issued photo ID securely on their website or by emailing WorldRemit Customer Service team.

      I hope this helps.


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