Wise vs Remitly: which one actually sends more money home?
Both are real, regulated money-transfer services, and both will tell you they are the cheapest. So instead of taking a side, we quote them on the same corridors every hour and publish what each one actually delivers on a 1,000 transfer — rate and fee included.
Right now, Remitly delivers more on 10 of the 12 corridors we track
Remitly is winning mainly on fees — it is running 0–2 flat on most of these routes while Wise charges a percentage. Wise still gives the truer exchange rate, so on larger amounts the gap narrows and can flip. Check the row for your own corridor below.
Rates collected 22 minutes ago (27 Oct 2026, 16:05 UTC) from both providers' live pricing.
What each one delivers on 1,000
Recipient amount after the exchange rate and the transfer fee. Higher is better.
| Corridor | Wise delivers | Remitly delivers | Difference | Better today |
|---|---|---|---|---|
| 🇬🇧 GBP → 🇧🇩 Bangladesh | 163,685 BDT fee 8.86 | 163,379 BDT fee 0.99 | 306 0.19% | Wise |
| 🇬🇧 GBP → 🇮🇳 India | 125,780 INR fee 5.14 | 126,350 INR fee 0.00 | 570 0.45% | Remitly |
| 🇬🇧 GBP → 🇳🇵 Nepal | 200,164 NPR fee 12.14 | 201,349 NPR fee 0.99 | 1,185 0.59% | Remitly |
| 🇬🇧 GBP → 🇵🇰 Pakistan | 366,114 PKR fee 6.60 | 366,707 PKR fee 0.00 | 594 0.16% | Remitly |
| 🇬🇧 GBP → 🇵🇭 Philippines | 84,585 PHP fee 5.79 | 84,210 PHP fee 0.00 | 375 0.45% | Wise |
| 🇬🇧 GBP → 🇱🇰 Sri Lanka | 439,514 LKR fee 6.84 | 441,532 LKR fee 1.49 | 2,018 0.46% | Remitly |
| 🇺🇸 USD → 🇧🇩 Bangladesh | 122,168 BDT fee 15.17 | 123,208 BDT fee 0.99 | 1,040 0.85% | Remitly |
| 🇺🇸 USD → 🇮🇳 India | 93,908 INR fee 11.26 | 95,045 INR fee 0.00 | 1,137 1.21% | Remitly |
| 🇺🇸 USD → 🇳🇵 Nepal | 149,428 NPR fee 18.21 | 151,510 NPR fee 0.00 | 2,082 1.39% | Remitly |
| 🇺🇸 USD → 🇵🇰 Pakistan | 273,333 PKR fee 12.75 | 276,960 PKR fee 0.00 | 3,627 1.33% | Remitly |
| 🇺🇸 USD → 🇵🇭 Philippines | 63,145 PHP fee 11.86 | 63,262 PHP fee 0.00 | 116 0.18% | Remitly |
| 🇺🇸 USD → 🇱🇰 Sri Lanka | 328,341 LKR fee 12.36 | 331,659 LKR fee 1.99 | 3,318 1.01% | Remitly |
Based on a 1,000 send. Fees and promotional rates change through the day, and a first-time Remitly customer often sees a better rate than the one shown. Always confirm the final quote on the provider's own site before sending.
Where they actually differ
Uses the mid-market rate — the one you see on Google — and charges the fee separately instead of hiding a margin inside the rate.
Good
- ✅ Truest exchange rate, so the gap grows in your favour on larger amounts
- ✅ Fee is shown upfront, no guessing what the rate cost you
- ✅ Multi-currency account with local bank details in 20+ currencies
Not so good
- ❌ Bank accounts only on most routes — no cash pickup
- ❌ Percentage fee, so small transfers are proportionally pricier
- ❌ Does not serve senders in Pakistan, Bangladesh, Sri Lanka, Nepal or Saudi Arabia
Built around delivery rather than rate: cash pickup, mobile wallets and bank deposit across 170+ countries, usually within minutes.
Good
- ✅ Cash pickup and mobile wallets (JazzCash, Easypaisa, bKash, GCash)
- ✅ Flat, often zero, fee — which is why it wins most rows above
- ✅ Promotional rate on a first transfer
Not so good
- ❌ Margin is built into the rate, so the true cost is less visible
- ❌ The good first-transfer pricing does not repeat
- ❌ Also does not serve senders in Pakistan, Bangladesh, Sri Lanka or Saudi Arabia
So which should you use?
The third route: stablecoin transfer
Some senders skip both services and move USDT instead, then spend it with a crypto card or cash it out locally. It settles in minutes, works 24/7, and — the reason it is on this page — it works from countries where Wise and Remitly do not operate at all, including Pakistan, Bangladesh, Sri Lanka and much of the Gulf.
Questions people actually ask
Is Wise or Remitly cheaper?
On the 12 corridors we price every hour, Remitly currently delivers more on 10 of them. It is not fixed though: Remitly wins through low flat fees, Wise wins through a better rate, so the answer flips with the amount you send. The table above is the live answer for your route.
Which is faster?
Remitly, on most routes — its express option is built for minutes, and cash pickup is near instant. Wise is typically same-day to one or two days into a bank account.
Can I send cash for pickup with Wise?
Generally no. Wise pays into bank accounts on almost all routes. If your recipient needs cash in hand or a mobile wallet, Remitly is the one that does it.
Are both safe and regulated?
Yes. Both are licensed money-transfer businesses — Remitly is authorised by the FCA in the UK and licensed by the New York State Department of Financial Services in the US, and Wise is likewise FCA-authorised. The stablecoin route above is not equivalent: it is not a regulated remittance service.
Can I use them to send money from Pakistan?
No. Both serve Pakistan as a receiving country only — neither lets you send from inside Pakistan. The same applies to Bangladesh, Sri Lanka, Nepal and Saudi Arabia.
How this page is funded: Wise, Remitly and RedotPay links on this page are partner links and Buzdy may earn a commission. The ranking in the table is computed from the rates we collect, not from what any partner pays — which is why the table sometimes says the lower-paying option is the better one.