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WorldRemit vs Remitly: Which One Has Lower Fees? (2025 Comparison)

By Adam.h • 7/8/2025

WorldRemit vs Remitly: Which One Has Lower Fees? (2025 Comparison)

Choosing between WorldRemit and Remitly for your next international money transfer? Both are top-rated digital remittance services, but their fees, speed, and features can differ by country and payment method. This in-depth guide compares WorldRemit and Remitly for 2025, so you can save money and send with confidence.

Table of Contents

Overview: WorldRemit vs Remitly

WorldRemit is a digital-first money transfer provider with a strong focus on mobile and bank transfers, serving 130+ countries. Remitly is known for its fast, affordable digital transfers and flexible payout options in 100+ countries.

| Feature | WorldRemit | Remitly | |----------------|-----------------------------|------------------------------| | Founded | 2010 | 2011 | | Countries | 130+ | 100+ | | Cash Pickup | Yes | Yes | | Bank Transfer | Yes | Yes | | Mobile Wallet | Yes (select countries) | Yes (select countries) | | Home Delivery | Yes (select countries) | No | | App/Online | Yes | Yes |

Fee Comparison

How Do WorldRemit and Remitly Set Fees?

  • WorldRemit: Charges a transfer fee (varies by country, amount, and payment method) + exchange rate markup
  • Remitly: Charges a transfer fee (varies by country, amount, speed, and payout method) + exchange rate markup

Example Fee Table (Sending $500 from US)

| Destination | WorldRemit Fee | Remitly Fee | WR Rate | Remitly Rate | Amount Received (WR) | Amount Received (Remitly) | |---------------|---------------|-------------|---------|--------------|----------------------|---------------------------| | Nigeria | $3.99 | $4.99 | 1 USD = 1,400 NGN | 1 USD = 1,390 NGN | ₦700,000 | ₦695,000 | | Philippines | $2.99 | $3.99 | 1 USD = 56.0 PHP | 1 USD = 56.2 PHP | ₱28,000 | ₱28,100 | | India | $2.99 | $2.99 | 1 USD = 83.0 INR | 1 USD = 83.0 INR | ₹41,500 | ₹41,500 |

Rates and fees are examples. Use our calculators for real-time numbers.

Transfer Speed

  • WorldRemit: Bank transfers and cash pickups are often instant or same-day; some corridors may take 1–2 days
  • Remitly: Express transfers can be instant; Economy transfers may take 1–3 days

Coverage & Payout Options

  • WorldRemit: Strong for mobile money, cash pickup, and home delivery in Africa, Asia, and Latin America
  • Remitly: Flexible payout options, including cash pickup, bank deposit, and mobile wallet
  • Both: Support sending from the US, UK, Canada, and many other countries

Real-World Example: Sending $500 to Nigeria

  • WorldRemit:
    • Fee: $3.99
    • Exchange rate: 1 USD = 1,400 NGN
    • Amount received: ₦700,000 (bank deposit, cash pickup, or mobile money)
    • Speed: Instant to a few hours
  • Remitly:
    • Fee: $4.99
    • Exchange rate: 1 USD = 1,390 NGN
    • Amount received: ₦695,000 (bank deposit, cash pickup, or mobile money)
    • Speed: Instant for Express, 1–2 days for Economy

Result: WorldRemit is slightly cheaper for this corridor, but always check real-time rates.

How to Use the Fee Calculators

Tips to Minimize Transfer Fees

  • Compare both fees and exchange rates before sending
  • Use bank transfer or mobile money for lower fees (if available)
  • Send larger, less frequent transfers to save on per-transfer fees
  • Watch for first-time user promos or loyalty rewards
  • Always check the exchange rate markup

Internal Tools

FAQ

Which is cheaper: WorldRemit or Remitly?

It depends on the country, amount, and payout method. Use the fee calculators to compare real-time costs for your transfer.

Which is faster for bank transfers?

Both can be instant, but Remitly's Express option is often fastest. Always check the estimated delivery time.

Are there hidden fees?

Both providers are transparent, but always check the exchange rate markup and payment method surcharges.

Is my money safe with WorldRemit and Remitly?

Yes, both are regulated, licensed, and use secure technology. Always use official apps or websites.

Can I send to mobile wallets?

Yes, both support mobile wallet payouts in select countries.

References & Further Reading

Compare your transfer: WorldRemit Fee Calculator | Remitly Fee Calculator

WorldRemitRemitlyMoney TransferComparisonFees2025
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