Home โ€บ Providers โ€บ Remitly vs Western Union

Remitly vs Western Union โ€” Which is cheaper in 2026?

Which is faster and cheaper for cash delivery?

๐Ÿ’ก Affiliate disclosure: Links to providers may be affiliate links. Rankings are always by net amount received, never by commission.

Remitly

FX margin 0.6% 1.3%
Flat fee $1.05 $2.00
Transfer fee None None
Speed Minutes โ€“ 3 days Minutes โ€“ 5 days
Sending markets confirmed 9 of 18 10 of 18
Send with Remitly โ†’
VS

Global leader with cash pickup at 500,000+ agent locations across 200+ countries.

Send with Western Union โ†’

Head-to-head: what the recipient gets on about USD 1,000

CorridorRemitlyWestern UnionWinner & saving
๐Ÿ‡บ๐Ÿ‡ธ USD โ†’ ๐Ÿ‡ฎ๐Ÿ‡ณ INR โ‚น94,978.85 โ— Live quote โ‚น94,675.37 โ— Live quote Remitly +โ‚น303.47
๐Ÿ‡บ๐Ÿ‡ธ USD โ†’ ๐Ÿ‡ต๐Ÿ‡ญ PHP โ‚ฑ63,367.72 โ— Live quote โ‚ฑ62,093.91 โ— Live quote Remitly +โ‚ฑ1,273.82
๐Ÿ‡ฌ๐Ÿ‡ง GBP โ†’ ๐Ÿ‡ฎ๐Ÿ‡ณ INR โ‚น94,850.66 โ— Live quote โ‚น94,459.15 โ— Live quote Remitly +โ‚น391.51
๐Ÿ‡ช๐Ÿ‡บ EUR โ†’ ๐Ÿ‡ต๐Ÿ‡ฑ PLN zล‚3,898.98 โ— Live quote zล‚3,870.01 โ— Live quote Remitly +zล‚28.97
๐Ÿ‡ฆ๐Ÿ‡ช AED โ†’ ๐Ÿ‡ต๐Ÿ‡ฐ PKR โ‚จ276,925 Typical fee (estimate) โ‚จ274,715 Typical fee (estimate) No live comparison

Green = higher net amount, shown only where both providers have a fresh real quote (โ— Live quote, collected in the daily update as of 2026-10-27); "Typical fee (estimate)" figures never win a comparison. Only corridors that both providers are confirmed to serve are shown. Check live rates โ†’

๐Ÿ† On live quotes, Remitly wins 4โ€“0 of 4 compared corridors

Based on real quotes for about USD 1,000 transfers. Results depend on corridor, amount and delivery method โ€” use the live comparator for your specific transfer.

Frequently asked questions

Is Remitly or Western Union cheaper?

Remitly is cheaper on most of the corridors tested (4โ€“0), but results vary by route and amount. Use the FX Skipper live comparator for your specific transfer.

What is the FX margin of Remitly vs Western Union?

Remitly charges an FX margin of 0.6% above the mid-market rate. Western Union charges 1.3%. The lower the margin, the more your recipient receives. These are typical-fee estimates; see the methodology for how they are used.