Remitly vs WorldRemit: Fees, Rates & Speed Compared
Remitly ahead on USD → MXN; WorldRemit on USD → INR, USD → PHP, GBP → PKR, USD → NGN.
Remitly
Won 1 of 5 routes here
4.6
WorldRemit
Won 4 of 5 routes here
4.1Both are digital remittance specialists with cash pickup and mobile money, so this is one of the more direct comparisons on the site. Remitly is the larger, more general service; WorldRemit is built specifically for the last mile in emerging markets, adding airtime top-up as a payout option Remitly doesn't have.
Live comparison: Remitly vs WorldRemit across popular corridors
Recipient payout route by route, Remitly against WorldRemit, from collected quotes (not guaranteed).
| Corridor | Remitly | WorldRemit | Winner |
|---|---|---|---|
| USD → INR($1,000) | ₹93,407.60 | ₹93,847.98 | WorldRemit (+₹440.38) |
| GBP → EUR(£1,000) | €1,185.27 | — | N/A |
| USD → PHP($500) | ₱30,570.41 | ₱31,157.47 | WorldRemit (+₱587.06) |
| USD → MXN($1,000) | MX$18,286.70 | MX$18,163.58 | Remitly (+MX$123.12) |
| GBP → PKR(£500) | ₨181,957.19 | ₨182,959.68 | WorldRemit (+₨1002.49) |
| USD → NGN($200) | ₦271,414.71 | ₦272,077.89 | WorldRemit (+₦663.18) |
Key differences between Remitly and WorldRemit
Remitly vs WorldRemit: Feature comparison
| Feature | Remitly | WorldRemit |
|---|---|---|
| Overall rating | 4.6/5 (Excellent) | 4.1/5 (Good) |
| Fee structure | From $0 to $3.99 per transfer | From $0.99 to $3.99 |
| Exchange rate markup | 0.5% - 2% above mid-market | 0.5% - 3% above mid-market |
| Transfer speed | Minutes to 3-5 days | Minutes to 3 days |
| Supported countries | 100+ | 130+ |
| Supported currencies | 40+ | 70+ |
| Max transfer | $300,000 | $10,000 |
| Delivery methods | Bank Deposit, Cash Pickup, Mobile Money, Home Delivery | Bank Deposit, Cash Pickup, Mobile Money, Airtime Top-up |
| Regulators | FinCEN, FCA | FCA, FinCEN |
What we measured: Remitly vs WorldRemit
Remitly led on 6 of 104 of the corridors we price against 5 of 48 for WorldRemit. Remitly's average shortfall when it isn't cheapest is 3.04%, against 2.62% for WorldRemit.
Remitly vs WorldRemit on $1,000 to India
On $1,000 USD→INR the gap is ₹440, with WorldRemit delivering more — 0.31% all-in for Remitly against 0.00% for WorldRemit. India is a bank-deposit-heavy corridor for both; the comparison likely narrows on routes where mobile money is the normal way to receive money, which WorldRemit is built around.
When to choose Remitly vs WorldRemit
Pick Remitly for broader coverage and home delivery
Remitly's 100-country list and home delivery option give it slightly broader reach than WorldRemit's 130 countries suggest at first glance, since WorldRemit's list leans heavily toward mobile-money markets. Remitly's Trustpilot rating is also the higher of the two.
Pick WorldRemit for mobile money and airtime
WorldRemit's case is the last mile: mobile money into wallets like M-Pesa and MTN, plus airtime top-up direct to a phone, are payout methods Remitly doesn't offer at all. It quotes 70 currencies against Remitly's 40, concentrated in markets where a bank account isn't the default.
What the Remitly and WorldRemit figures don’t settle
Mobile money and airtime availability vary by country and network. Confirm your corridor and payout method are supported before sending.
Verdict: Remitly or WorldRemit?
Cost: Remitly vs WorldRemit on measured quotes
Remitly led 6 of 104 of the corridors we price against 5 of 48 for WorldRemit, with average shortfalls of 3.04% and 2.62%. Both are digital specialists priced closer to the leaders than a bank or broad payments account.
Speed: Similar delivery times
Remitly's express tier settles in minutes; WorldRemit quotes minutes to three days. Neither has a consistent edge once the payout method is matched.
Wider coverage: WorldRemit
WorldRemit's 70 currencies and airtime top-up edge out Remitly's 40 currencies and lack of an airtime option; Remitly counters with home delivery and a higher Trustpilot rating.
Bottom line
For a bank-deposit corridor, this is mostly a cost comparison and Remitly often wins it. For mobile money or airtime — the payout methods WorldRemit is built around — Remitly has nothing to offer at any price.
Remitly vs WorldRemit: your questions
Can Remitly send to a mobile money wallet like WorldRemit can?
Remitly does support mobile money on some corridors, but WorldRemit was built specifically around it and adds airtime top-up, which Remitly doesn't offer at all.
Which has the wider currency coverage?
WorldRemit, at 70 currencies against Remitly's 40, reflecting WorldRemit's focus on markets where mobile wallets and diverse local currencies are the norm.
Is WorldRemit's markup the same on every corridor?
No — it varies by payout method and destination, generally running tighter on the mobile-money corridors WorldRemit is built for than on bank-deposit routes like the one in our worked example.
Which has the better Trustpilot rating?
Remitly, by a moderate margin. Both are well-regarded relative to banks and broad payments accounts, but Remitly edges ahead in our data.