Remitly review

Remitly is the strongest app for sending money to family in countries where recipients use cash pickup, mobile wallets or home delivery as well as bank accounts. It serves more than 175 countries and over 100 currencies, and its delivery time guarantee refunds the applicable transfer fee if a transfer misses its promised arrival. Pricing depends on the route: the Philippines page lists zero fees for bank deposit and mobile wallet transfers in pesos, and paying by card, Apple Pay or Google Pay gives instant speed there. New customers get a special rate, but only on the first 1,000 USD, so check the regular rate before your second transfer. Remitly also lets you send from 18 countries to more than 40 destinations by chatting on WhatsApp. Because Remitly sets its own exchange rate, the amount your recipient gets is the number to compare against Wise or Xoom. Support runs 24/7, in Tagalog or English on the Philippines route.

Who it is for

Migrants supporting family abroad who want a choice of delivery methods and an on-time guarantee.

Price

Zero fees for bank deposit and mobile wallet to the Philippines; fees and rates vary by route.

Zero fees for bank deposit and mobile wallet when you send PHP
Quoted from the vendor pricing page on November 10, 2026.

Key features

• Sends to over 175 countries in more than 100 currencies
• Delivery time guarantee that refunds the transfer fee if a transfer is late
• Bank deposit, cash pickup, mobile wallet and home delivery on routes such as the Philippines
• Transfers through WhatsApp from 18 countries to more than 40 destinations
• Promotional rate for new customers on the first 1,000 USD sent

Strengths and weaknesses

• Strength: Wide reach across 175+ countries
• Strength: Fee refund when delivery is late
• Strength: Pay by card, Apple Pay or Google Pay for instant speed on some routes
• Weakness: Welcome rates apply only to new customers and the first 1,000 USD
• Weakness: The exchange rate is set by Remitly, so compare the amount received
• Weakness: Domestic US to US transfers are not supported

Key facts

• Countries: 175+
• Currencies: 100+
• Delivery guarantee: Fee refunded if late
• WhatsApp sending: From 18 countries to 40+ destinations
• App Store rating: 4.9 stars, 4.5M+ ratings

Where it ranks

Remitly is No. 2 in our Best Money Transfer Services verdict and No. 9 in Best Payment Apps.