Remitly vs WorldRemit
Which provider is better for sending money from the USA to India? Compare fees, exchange rate margins, delivery speed and what your recipient actually receives.
The bottom line: sending $1,000 from the USA, WorldRemit delivers ₹94,974 and Remitly ₹94,936, so your recipient gets ₹38 more with WorldRemit. Remitly charges no fee with a margin of about 0.35% in its rate, paid by ACH bank debit; WorldRemit charges a $0.99 fee with a margin of about 0.31% in its rate, paid by debit card.
Quick verdict
Choose Remitly if you want…
- Express speed & introductory promotions
- Express mode delivers to Indian bank accounts via UPI in minutes
- Introductory promotional exchange rate on the first qualifying transfer
- Standard exchange rates after introductory promotions include a currency margin of roughly 0.3% to 1.3%, depending on the sending country
Choose WorldRemit if you want…
- Small to mid-size digital sends & mobile app usability
- Straightforward mobile app with transparent upfront fee display
- Multiple delivery rails: direct Indian bank deposit, UPI, and cash pickup
- Exchange rates include an FX spread (about 0.3% from the US, higher on some corridors and payment methods)
What your recipient gets at each amount
Indicative net rupee payouts for USD → INR transfers, based on published fee schedules and benchmark snapshots.
Score breakdown, side by side
Each provider's TransferGauge Score across the seven weighted dimensions. How we score
Side-by-side details
| Metric | R Remitly | WR WorldRemit |
|---|---|---|
| Exchange rate model | Retail rate, +0.35% margin | Retail rate, +0.31% margin |
| Transfer fees | Transfers paid from a bank account carry $0 fees for amounts of $1,000 or more from the US, UK, Canada and Australia. Debit card transfers can carry a fee (SGD 3.99 from Singapore). Revenue comes mainly from an exchange rate margin of roughly 0.3% to 1.3%. | Fees depend on the payment and delivery method; a US bank deposit to India costs $0.99. An exchange rate margin (about 0.3% from the US) is included in the conversion rate. |
| Typical delivery | Express delivery with debit card credits Indian bank accounts or UPI IDs within minutes. Economy transfers take 3 to 5 business days. | Transfers via UPI or debit card settle in 10 to 20 minutes. Bank account debits arrive in 1 to 2 business days. |
| Receiving methods | Bank accountUPICash pickup | Bank accountUPICash pickup |
| Routes to India | 5 corridors | 1 corridor |
| Headquarters | Seattle, WA, USAFounded 2011 | London, United KingdomFounded 2010 |
| Full review | Read Remitly review | Read WorldRemit review |
Summary advice
On our $1,000 USD → INR benchmark, Remitly earns the higher TransferGauge Score (96 vs 94). The better choice still depends on your amount, how your recipient wants to be paid, and how quickly the money needs to arrive.
All figures are indicative benchmarks. Always verify live rates, fees and delivery options on the provider's website before sending money.
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