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Remitly Review 2026 — Fees, Rates & Exchange Rate Margins

Fast, reliable remittances to 170+ countries with guaranteed rates and cash pickup.

1.5%
FX margin
$2.99
Flat fee
Transfer fee
★★★★½
Rating 4.7/5
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Pros

  • ✅ Express delivery in minutes
  • ✅ Cash pickup & mobile money
  • ✅ Promo rates for first transfer
  • ✅ Strong remittance corridors

Cons

  • ❌ FX margin around 1.5%
  • ❌ Express delivery costs more

Remitly performance on key corridors

Based on sending 1000 USD equivalent. Figures are indicative — check live rates before sending.

CorridorRateRecipient getsTotal costRanking
🇺🇸 USD → 🇮🇳 INR 94.499 ₹94,216.42 1.79% #8 of 14
🇺🇸 USD → 🇵🇭 PHP 60.8128 ₱60,630.98 1.79% #8 of 14
🇬🇧 GBP → 🇮🇳 INR 125.68 ₹125,396.52 1.72% #8 of 14
🇦🇪 AED → 🇵🇰 PKR 74.5245 ₨73,706 2.58% #8 of 14
🇪🇺 EUR → 🇵🇱 PLN 4.2581 zł4,246.94 1.76% #8 of 14

Remitly fee breakdown

Remitly has a flat fee of ~$2.99 per transfer, no percentage transfer fee, and an FX margin of 1.5% above the mid-market rate. Fast, reliable remittances to 170+ countries with guaranteed rates and cash pickup.

Transfer speed: Minutes – 3 days. The total cost is competitive across most corridors at typical transfer amounts.

Compare Remitly vs others

Frequently asked questions

Is Remitly safe and legitimate?

Remitly is an established international money transfer service licensed and regulated in multiple jurisdictions. As with any financial service, always verify the provider holds a valid licence in your country before using it.

How much does Remitly charge?

Remitly charges a flat fee of approximately $2.99 per transfer, no transfer percentage fee, and an FX margin of 1.5% above the mid-market rate. Total cost varies by corridor and amount.

How fast is Remitly?

Remitly typically delivers in Minutes – 3 days, depending on the corridor, delivery method and time of day.

How does Remitly compare to Wise?

Both are online money transfer services, but they differ in fee model and corridor coverage. Use the live comparator on FX Skipper to see a side-by-side net amount comparison for your specific route and amount.