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Provider review

Remitly Review (2026): Fees, Rates & Speed

Updated September 23, 2026 Review

Remitly

4.7/5

Visit Remitly

Opens the provider's own site. You pay them directly — we never handle your money.

Trusted & regulated

Licensing details for this provider have not been recorded yet. Check the provider's own site before sending.

Not yet verified

  • Transfer fee From $3.99
  • Exchange-rate margin Around 1.00%
  • Transfer speed Minutes (Express) / 1–3 days (Economy)
  • Minimum amount $1.00
  • Maximum amount $30,000.00

How much will it cost? (try your own amount)

Sending $1,000.00 from United States to Kenya

Amount sent $1,000.00
Transfer fee $3.99
Exchange rate 128.2611 USD → KES
Recipient gets KSh127,749.33
Total cost $13.95 (1.4%) Fee plus exchange-rate margin

On this route KSh1,548.21 more arrives with TorFX today. Rates move, so check both before you send.

Estimated · general pricing Fees and rates vary by country, payment method and amount. Always confirm the final figure on the provider's own screen before paying. Compare all providers for United States → Kenya

See how this compares with other providers

$1,000.00 from United States to Kenya

Reference rate 1 USD = 129.5567 KES Updated 7 hours ago · open.er-api.com

6 providers Up to KSh1,548.21 more for your recipient with the best option

Amounts are estimates based on the mid-market reference rate and each provider's published or typical pricing. The final amount is confirmed by the provider at checkout.

  1. TorFX

    4.9 / 5 editorial rating
    Highest estimated payout
    Recipient gets KSh129,297.54
    Transfer fee
    No fee
    Exchange rate
    129.2975
    Delivery
    Minutes to 2 days
    Go to TorFX (opens in a new tab)
    Estimated · general pricing Route availability not yet confirmed Pays out by Bank deposit
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − No fee
    Amount converted
    $1,000.00
    Exchange rate
    × 129.2975 (0.20% below reference)
    Recipient gets
    KSh129,297.54
    Total cost of transfer
    $2.00 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

  2. OFX

    4.3 / 5 editorial rating
    Recipient gets KSh128,908.87 KSh388.67 less than the top result
    Transfer fee
    No fee
    Exchange rate
    128.9089
    Delivery
    1–3 business
    Go to OFX (opens in a new tab)
    Estimated · general pricing Route availability not yet confirmed Pays out by Bank deposit
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − No fee
    Amount converted
    $1,000.00
    Exchange rate
    × 128.9089 (0.50% below reference)
    Recipient gets
    KSh128,908.87
    Total cost of transfer
    $5.00 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

  3. Wise

    4.9 / 5 editorial rating
    Featured
    Recipient gets KSh128,714.54 KSh583.00 less than the top result
    Transfer fee
    $6.50
    Exchange rate
    129.5567
    Delivery
    Seconds to 2 business days
    Go to Wise (opens in a new tab)
    Estimated · general pricing Last verified September 22, 2026 Route availability not yet confirmed Pays out by Bank deposit
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − $6.50 ($1.50 + 0.5%)
    Amount converted
    $993.50
    Exchange rate
    × 129.5567
    Recipient gets
    KSh128,714.54
    Total cost of transfer
    $6.50 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

    Wise availability and pricing can change, so users should verify current details on Wise before sending money.

  4. WorldRemit

    4.2 / 5 editorial rating
    Recipient gets KSh128,264.45 KSh1,033.09 less than the top result
    Transfer fee
    $1.99
    Exchange rate
    128.5202
    Delivery
    Minutes to 3 days
    Go to WorldRemit (opens in a new tab)
    Estimated · general pricing Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile money, Digital wallet
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − $1.99 ($1.99)
    Amount converted
    $998.01
    Exchange rate
    × 128.5202 (0.80% below reference)
    Recipient gets
    KSh128,264.45
    Total cost of transfer
    $9.97 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

  5. Western Union

    4.1 / 5 editorial rating
    Sponsored
    Recipient gets KSh128,261.09 KSh1,036.45 less than the top result
    Transfer fee
    No fee
    Exchange rate
    128.2611
    Delivery
    Minutes to 1 business day
    Go to Western Union (opens in a new tab)
    Estimated · general pricing Last verified September 22, 2026 Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile money
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − No fee
    Amount converted
    $1,000.00
    Exchange rate
    × 128.2611 (1.00% below reference)
    Recipient gets
    KSh128,261.09
    Total cost of transfer
    $10.00 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

  6. Remitly

    4.7 / 5 editorial rating
    Recipient gets KSh127,749.33 KSh1,548.21 less than the top result
    Transfer fee
    $3.99
    Exchange rate
    128.2611
    Delivery
    Minutes (Express) / 1–3 days (Economy)
    Go to Remitly (opens in a new tab)
    Estimated · general pricing Route availability not yet confirmed Pays out by Bank deposit, Cash pickup, Mobile money
    How this is calculated
    You send
    $1,000.00
    Transfer fee
    − $3.99 ($3.99)
    Amount converted
    $996.01
    Exchange rate
    × 128.2611 (1.00% below reference)
    Recipient gets
    KSh127,749.33
    Total cost of transfer
    $13.95 (fee + exchange-rate margin)

    Based on the provider's general fees and margin, not route-specific pricing.

1 provider not shown for this search
  • XE — Minimum transfer is $3,000.00

We may earn a commission when you use the links on this page. This never affects the ranking, which is based on the amount your recipient receives.

Is Remitly right for you?

Remitly is a money transfer operator that charges from $3.99 plus 0% per transfer, with an exchange-rate margin of around 1%. Remitly typically delivers minutes (express) / 1–3 days (economy) and pays out via bank deposit, cash pickup and mobile money.

How to send money with Remitly

  1. Get started with Remitly

    Open the Remitly website or mobile app to begin your transfer.

  2. Create an account

    Sign up with Remitly using your email address or phone number and set a secure password.

  3. Verify your identity

    Upload a government-issued ID and, where required, proof of address. Verification is a legal requirement and usually takes a few minutes.

  4. Add recipient details

    Enter your recipient's name and select how they will be paid — bank deposit, mobile money, digital wallet or cash pickup.

  5. Pay for your transfer

    Fund the transfer with a bank transfer, debit card or credit card. Review the fee and the guaranteed amount your recipient will receive before you confirm.

  6. Track delivery

    Follow the transfer status in your account or app and receive a notification when the funds arrive.

Where you can send, and how

Transfer (pay-in) methodsBank deposit · Cash pickup · Mobile money · Digital wallet · Debit/credit card
Payout methodsBank deposit · Cash pickup · Mobile money

We may earn a commission when you use the links on this page. This never affects the ranking, which is based on the amount your recipient receives.

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