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Remitly alternatives: 7 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll international money transfer services

Top picks

  • Wise logo

    Best overall

    Wise

    Free

  • Xe logo

    Best free option

    Xe

    Starting price: Transfer fees from $0

Common reasons people leave Remitly: exchange rates include a margin, so it is not always the cheapest route, and you can only send from a limited list of countries. We ranked 7 alternatives by how directly each one replaces Remitly, then by reviews, real visits and how recently each app's facts were checked against its own website. Wise currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Wise logoWiseFree—NoWeb, iOS, Android3 of 356.8
2Xe logoXeFree plan + paid—NoWeb, iOS, Android8 of 842.3
3MoneyGram logoMoneyGramPaid—NoWeb, iOS, Android4 of 442.3
4Xoom logoXoomPaid—NoWeb, iOS, Android6 of 642.3
5Paysend logoPaysendPaid—NoWeb, iOS, Android8 of 842.3
6Atlantic Money logoAtlantic MoneyPaid—NoiOS5 of 542.3
7Sendwave logoSendwavePaid—NoiOS, Android5 of 542.3
  1. Wise logo

    1. WiseTop pick

    Best for: Expats, freelancers and travellers who send, receive or spend money in several currencies

    FreeWeb, iOS, Android

    56.8

    score / 100

    Why switch from Remitly

    Uses the mid-market exchange rate with a visible fee, often cheaper for bank-to-bank transfers.

    Pros

    • Mid-market exchange rate with fees shown upfront
    • Holds and converts 40+ currencies in one account
    • Local account details for receiving payments abroad

    Cons

    • Not a full bank in most countries, so no overdrafts or loans
    • Per-transfer fees still apply, especially for small amounts
    • Funds are safeguarded rather than covered by deposit insurance in many regions
    Visit Wise Details and reviews
    How this score is calculated
    Editorial fit ×0.360
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Wise a good Remitly alternative?

    Verified facts

    3 of 3 verified
    Currencies
    40+
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Account fee
    Free to open
    Checked Nov 8, 2026wise.com(opens source in a new tab)
    Fund protection
    Safeguarded accounts
    Checked Nov 8, 2026wise.com(opens source in a new tab)
  2. Xe logo

    2. Xe

    Best for: People sending larger sums abroad who also want a trusted currency converter and rate alerts

    Free plan + paidWeb, iOS, Android

    42.3

    score / 100

    Why switch from Remitly

    Often good rates for larger bank-to-bank transfers, plus a free currency converter.

    Pros

    • Free currency converter, charts and rate alerts
    • Bank, mobile wallet and cash pickup delivery
    • Regulated in many countries and part of Euronet

    Cons

    • Card payments add an extra fee
    • Exchange-rate margin makes the true cost less obvious than Wise's
    • Bank transfers can take up to three business days
    Visit Xe Compare with RemitlyDetails and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Xe a good Remitly alternative?

    Verified facts

    8 of 8 verified
    Owner
    Euronet Worldwide
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Cash pickup
    500,000+ locations
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Regulators
    FCA, FinCEN, FINTRAC, ASIC and more
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Rate alerts
    Yes
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Starting price
    Transfer fees from $0
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Bank account payment
    No additional fee
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    Card payment
    Small additional fee
    Checked Nov 8, 2026xe.com(opens source in a new tab)
    US online transfer limit
    $535,000 USD per transfer
    Checked Nov 8, 2026xe.com(opens source in a new tab)
  3. MoneyGram logo

    3. MoneyGram

    Best for: People sending money to families who collect cash or use mobile wallets

    PaidWeb, iOS, Android

    42.3

    score / 100

    Why switch from Remitly

    Lets you send or collect cash in person through a very large agent network.

    Pros

    • Huge cash pickup network in over 200 countries and territories
    • Send in the app, online or in person
    • Bank, debit card and mobile wallet delivery where available

    Cons

    • Fees and exchange-rate margins vary widely by route and method
    • Often costlier than online-only services for bank transfers
    • Not every service is available in every country
    Visit MoneyGram Compare with RemitlyDetails and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is MoneyGram a good Remitly alternative?

    Verified facts

    4 of 4 verified
    Countries
    200+ countries and territories
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
    Retail locations
    Nearly 500,000
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
    Ways to send
    App, online or in person
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
    Bill pay
    Yes (US)
    Checked Nov 8, 2026moneygram.com(opens source in a new tab)
  4. Xoom logo

    4. Xoom

    Best for: PayPal users sending money home to bank accounts, wallets or cash pickup points

    PaidWeb, iOS, Android

    42.3

    score / 100

    Why switch from Remitly

    PayPal-backed transfers to banks, wallets, UPI, PIX and cash pickup, funded from a PayPal balance.

    Pros

    • Pays out to banks, debit cards, mobile wallets, UPI, PIX and cash pickup
    • Can be funded straight from a PayPal account
    • Fee and receive amount shown before you send
    • Phone top-ups and bill payments abroad in the same app

    Cons

    • Earns a margin on the exchange rate on top of the fee
    • Card-funded transfers usually cost more than bank-funded ones
    • Fees, limits and speeds vary a lot by country
    Visit Xoom Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Xoom a good Remitly alternative?

    Verified facts

    6 of 6 verified
    Owner
    PayPal
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    In service since
    2001
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Payout options
    Bank, wallet, UPI, PIX, cash pickup
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Cash pickup and delivery
    Yes
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Exchange-rate margin
    Yes, on top of transfer fees
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
    Transfer fee to India
    $0 on eligible transactions
    Checked Nov 8, 2026xoom.com(opens source in a new tab)
  5. Paysend logo

    5. Paysend

    Best for: People sending money home who want card, wallet or cash payout options in one app

    PaidWeb, iOS, Android

    42.3

    score / 100

    Why switch from Remitly

    Pays out to cards and e-wallets as well as banks, across 170+ countries.

    Pros

    • Several payout methods: bank account, card, e-wallet or cash, depending on the destination
    • Rate and fee are shown before you confirm each transfer
    • Wide reach of 170+ destination countries

    Cons

    • Fees and exchange margins vary by corridor, so it is not always the cheapest option
    • No multi-currency balance to hold money like Wise or Revolut offer
    • Delivery times depend on route and compliance checks, so 'fast' is not guaranteed
    Visit Paysend Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Paysend a good Remitly alternative?

    Verified facts

    8 of 8 verified
    Destinations
    170+ countries
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Payout methods
    Bank account, card, e-wallet or cash
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Fee shown upfront
    Yes, before you confirm
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Regulation
    UK FCA e-money institution
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Headquarters
    Edinburgh, Scotland
    Checked Nov 5, 2026paysend.com(opens source in a new tab)
    Transfer fee
    From $1.99 when sending from the US
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Fee type
    Fixed fee, not a % of the amount
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
    Daily limit (new accounts)
    $999 a day
    Checked Nov 8, 2026paysend.com(opens source in a new tab)
  6. Atlantic Money logo

    6. Atlantic Money

    Best for: UK users sending large sums abroad who want a flat fee and no exchange-rate markup

    PaidiOS

    42.3

    score / 100

    Why switch from Remitly

    Flat per-transfer fee at the live rate, cheaper for large bank-to-bank transfers.

    Pros

    • Flat fee per transfer, regardless of the amount sent
    • Uses the live exchange rate with no markup
    • High transfer limit for big one-off payments
    • Business version for paying international suppliers

    Cons

    • Only about ten currencies supported
    • No Android app yet
    • Flat fee makes it poor value for very small transfers
    Visit Atlantic Money Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Atlantic Money a good Remitly alternative?

    Verified facts

    5 of 5 verified
    Transfer fee
    Flat £3 per transfer
    Checked Nov 8, 2026atlantic.money(opens source in a new tab)
    Maximum transfer
    £1 million for the same £3 fee
    Checked Nov 8, 2026atlantic.money(opens source in a new tab)
    Exchange rate markup
    None, live rate
    Checked Nov 8, 2026atlantic.money(opens source in a new tab)
    Currencies
    10
    Checked Nov 8, 2026atlantic.money(opens source in a new tab)
    Operator
    Deel Payments UK Ltd (FCA authorised)
    Checked Nov 8, 2026atlantic.money(opens source in a new tab)
  7. Sendwave logo

    7. Sendwave

    Best for: Diaspora senders in the US, UK, Canada or EU paying family in Africa by mobile money

    PaidiOS, Android

    42.3

    score / 100

    Why switch from Remitly

    Phone-first app with strong mobile money routes to Africa.

    Pros

    • Strong coverage of African mobile money and bank routes
    • Quick setup: link a debit card and send from the app
    • 24/7 chat support

    Cons

    • Sending is limited to a handful of countries (US, Canada, UK, EU)
    • Mobile-first, with no full web app for sending
    • Wallet extras like cashback are only for US and UK senders
    Visit Sendwave Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Sendwave a good Remitly alternative?

    Verified facts

    5 of 5 verified
    Owner
    Zepz (WorldRemit group)
    Checked Nov 8, 2026sendwave.com(opens source in a new tab)
    Send from
    US, Canada, UK and EU
    Checked Nov 8, 2026sendwave.com(opens source in a new tab)
    Founded
    2014
    Checked Nov 8, 2026sendwave.com(opens source in a new tab)
    Support
    24/7 chat
    Checked Nov 8, 2026sendwave.com(opens source in a new tab)
    Funding method
    Debit card
    Checked Nov 8, 2026sendwave.com(opens source in a new tab)

The best Remitly alternative for…

The highest-ranked app in this list for each need.

Wise logo

Best Remitly alternative for most people

Wise

Uses the mid-market exchange rate with a visible fee, often cheaper for bank-to-bank transfers.

Wise logo

Best Remitly alternative for a free option

Wise

Uses the mid-market exchange rate with a visible fee, often cheaper for bank-to-bank transfers.

Xe logo

Best Remitly alternative for a free plan you can upgrade

Xe

Often good rates for larger bank-to-bank transfers, plus a free currency converter.

MoneyGram logo

Best Remitly alternative for iPhone and Android

MoneyGram

Lets you send or collect cash in person through a very large agent network.

Xoom logo

Best Remitly alternative for working in the browser

Xoom

PayPal-backed transfers to banks, wallets, UPI, PIX and cash pickup, funded from a PayPal balance.

Remitly alternatives: common questions

What is the best alternative to Remitly?

Wise ranks first right now. Uses the mid-market exchange rate with a visible fee, often cheaper for bank-to-bank transfers. Xe and MoneyGram follow it in our ranking.

Remitly vs Wise: what's the difference?

Both Remitly and Wise are free to use. Both run on Web, iOS and Android.

Is Remitly free?

Remitly is free to use.

Is there a free alternative to Remitly?

Yes. Wise (free) and Xe (free plan + paid) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Remitly?

None of the 7 alternatives in this list is open source.

Why do people switch from Remitly?

The complaints we hear most: exchange rates include a margin, so it is not always the cheapest route; you can only send from a limited list of countries; costs vary by route and payment method, which makes comparing harder.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Remitly, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.