Fixed fee
Remitly charges a flat fee per transfer rather than a percentage, so the cost does not rise with the amount you send.
Remitly calculator
Remitly fees calculator
Remitly focuses on consumer remittances, charging a simple flat fee per transfer and offering both economy and express delivery.
Send money with Remitly — compare against 14 services
Live mid-market ratesEnter the details below and tick the services you want — the ranking refreshes on its own.
About the figures: exchange rates are mid-market rates pulled from free public APIs and refreshed about every 30 minutes. Fees and margins come from each provider's published pricing and are comparison estimates — always confirm the live price with the provider before you send.
Fee breakdown
How Remitly charges you
Every Remitly transfer has four cost components. Here is exactly what each one means.
Percentage fee
The percentage fee is 0% — the entire charge is the fixed fee plus the exchange-rate margin.
Exchange rate offered
Rates are locked in when you start the transfer, and Express transfers are usually delivered within minutes.
Markup vs mid-market
A modest markup of roughly 0.6%–1.2% (depending on how you pay) is built into the exchange rate.
Why people choose Remitly
- Flat, predictable fee
- Fast express delivery
- Many cash pickup locations
What to watch out for
- Exchange-rate markup on top of the fee
- Flat fee hurts small transfers
FAQ
Remitly fees — common questions
How much does Remitly charge to send money?
Remitly charges a fixed fee of 3.99 plus 0% of the amount on bank-funded transfers (figures from our editable fee config). Debit and credit-card funding are priced in the calculator above.
Does Remitly add an exchange-rate markup?
Yes. Remitly applies a markup of 0.6% on bank transfers, 0.9% on debit cards and 1.2% on credit cards over the mid-market rate. The calculator shows both the offered rate and the difference from mid-market in your send currency.
How long do Remitly transfers take?
Express: minutes · Economy: 3–5 days. Delivery also depends on the destination country, the payout method and when you start the transfer.
What payment methods can I use with Remitly?
The calculator compares bank transfer, debit card and credit card funding. Card payments almost always cost more, which is why the ranking can change when you switch methods.
How is the total cost of a transfer calculated?
Total cost combines two things: the fees charged by the provider (fixed fee + percentage fee) and the exchange-rate markup over the mid-market rate. The calculator adds both and expresses the result in the send currency, then shows exactly how much the recipient receives.
What is the mid-market rate?
The mid-market rate (also called the interbank rate) is the midpoint between the buy and sell prices of two currencies on the global market. It is the rate you see on Google or Reuters before any bank or provider adds a margin.
Compare Remitly with other providers
See how Remitly stacks up against Wise, Revolut, Western Union and the rest — or open another calculator below.
Wise fees calculator
True mid-market rate with one transparent, upfront fee.
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Huge global agent network for cash pickup and delivery.
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Competitive cash pickup with frequent online fee discounts.
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No transfer fees — costs are baked into a tight exchange margin.
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App-based transfers at interbank rates on weekdays.
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PayPal-owned service for bank deposit, cash pickup and delivery.
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