WorldRemit Fee Calculator

See WorldRemit's real fees and exchange-rate markup before you send. The fee is a small flat amount set by the delivery method; the main cost is usually a margin built into the rate, 0.3% to 1.9% on UK bank deposits.

Calculate Transfer Fees

Calculate your WorldRemit transfer cost with mobile wallet and airtime options

You Send

From Country

Amount to Send

$USD

Recipient Gets

To Country

Example today: $1,000 to Nigeria1 USD = 1,368.86 NGN · No feeDelivered to a bank accountEnter an amount to see the estimate

WorldRemit Fee Structure

Fee: depends on the amount and the method

* WorldRemit's fee and rate markup from its own quotes at the amounts we collected, on today's mid-market rate; between those amounts a fee is shown only where it is known. Real cost varies by corridor, amount, delivery and payment method, and promotions. Check the provider for a live quote.

Also worth checking: Wise

Wise says it converts at the mid-market rate and shows its whole cost as one fee. Compare what your recipient gets before you send.

See Wise’s rate

Partner link: we may earn a commission if you sign up, at no cost to you. How we earn money

WorldRemit is a digital money-transfer service, founded in 2010, that sends to over 130 countries with a strong network across Africa, Asia and Latin America. It offers several ways to deliver money - bank deposit, debit-card deposit, cash pickup, mobile wallet and airtime top-up - and the delivery method you choose is what mainly decides the fee.

The headline fee is a small flat amount. On the routes we price, a bank deposit typically carries $0.99 from the US or £0.99 from the UK, and cash pickup $2.99 from the US or £1.99 from the UK. That is what every transfer pays, not a first-transfer offer.

But no fee does not mean free. WorldRemit does not use the mid-market exchange rate; it builds in a margin of 0.3% to 1.9% on UK bank deposits (more on some cash-pickup corridors), and on a larger transfer that hidden markup is usually your biggest cost. The clearest proof is in the rate itself. A clear example, with WorldRemit's own fees and markups on today's mid-market rate: sending £1,000 to the Philippines, the free mobile wallet option delivers ₱83,134 while the £2.99 cash pickup option delivers ₱83,598 - ₱464 more despite the fee, because it uses a better rate.

Use the calculator below to estimate your total cost, including the exchange-rate margin, then check the fee table further down for the real fee by delivery method and the markup by corridor. The golden rule with WorldRemit is simple: compare how much your recipient actually receives, not just the fee.

How WorldRemit Fees Are Calculated

The fee is set by the destination and the delivery method, never as a percentage of what you send, so it weighs less and less as the amount grows. The margin in the rate works the other way: it grows in step with the amount, and WorldRemit builds it into the rate rather than showing it as a separate line.

WorldRemit Fee Factors:

Delivery Method: each way of receiving the money has its own flat fee
Send Currency: the same delivery method can carry a different fee from the US than from the UK
Exchange-Rate Margin: A markup is built into the rate on every transfer - 0.3% to 1.9% on UK bank deposits
Destination Corridor: The markup varies by country - from the US, 0.3% to India against 2.6% to Mexico

WorldRemit shows you the exact rate and fee before you confirm, so you know the final amount before you pay. Set that amount against what the mid-market rate (the one on Google) would deliver: the gap is WorldRemit's margin, in money rather than as a percentage.

Example Calculation:

Sending £1,000 to the Philippines by bank deposit, using the costs we measure on that route:

• Transfer fee: £0 on this route
• Rate markup we measure: about 0.6% below mid-market
• Hidden cost in the rate: roughly £6 on £1,000
• Recipient receives: the calculator above shows the figure
• Takeaway: the transfer fee is the small part; the rate markup is your actual cost.

*Cash pickup on this route adds its own flat fee on top of the rate margin.

WorldRemit Fees & Exchange Rate at a Glance (2026)

WorldRemit's transfer fee is a small flat amount that depends on how the money is delivered, not a percentage, and each delivery method carries its own. The bigger cost on most transfers is the exchange-rate margin built into the rate: 0.3% to 1.9% on UK bank deposits. The rate column prices one $1,000 transfer to the Philippines from the US, so you can set the delivery methods side by side on the same money.

Delivery method	Transfer fee	Rate today, US to Philippines	Notes
Bank deposit	~$0.99 US / £0.99 UK	1 USD = 62.596 PHP	Same day to next working day; e.g. £0 to the Philippines from the UK
Debit-card deposit	Varies by route	—	Next working day
Cash pickup	~$2.99 US / £1.99 UK	1 USD = 62.0409 PHP	Ready within about an hour
Mobile wallet	~$0 US / £0 UK	1 USD = 61.5993 PHP	Popular for Africa and Asia; arrives in minutes

The real cost is the exchange rate

The markup most people miss is in the rate, not the fee. On the transfers we checked, WorldRemit's rate sat roughly 2.7% below mid-market to Mexico from the UK, against 0.6% to the Philippines. Across the UK routes we price the middle of the range is 0.7%. On larger amounts this margin usually outweighs the flat fee - so always compare the amount your recipient actually receives, not just the headline fee.

Using the WorldRemit Fee Calculator

Set the destination and the amount, then choose how the money arrives. A bank or debit-card deposit, a cash pickup and a mobile wallet each carry their own flat fee at WorldRemit, and the result adds the margin in its exchange rate, so you see the whole cost of each option.

Mobile money is where WorldRemit is strongest. A transfer to M-Pesa in Kenya or GCash in the Philippines usually lands sooner than a bank transfer, so price the wallet against a bank deposit before you open the app.

Mobile-First Digital Platform

WorldRemit was built as a digital-first service, making it incredibly convenient for mobile users. The platform's mobile app is highly rated and offers a seamless experience for sending money on the go, with most transfers completing in just a few taps.

Mobile Platform Advantages:

User Experience:

• Intuitive mobile app interface
• Quick transfer in 3 steps
• Save recipients for faster sending
• Real-time notifications
• Biometric authentication

Delivery Options:

• Mobile wallet transfers
• Airtime top-ups
• Cash pickup
• Bank deposits
• Home delivery (select countries)

The mobile-first approach means WorldRemit has optimized its service for emerging markets where mobile money is prevalent. This makes it particularly strong for transfers to Africa and Asia, where recipients can receive funds directly to their mobile wallets within minutes.

Comparing WorldRemit with Other Options

WorldRemit focuses on emerging markets, with wide coverage across Africa, Asia, and Latin America. Its fees and rates vary by corridor, so compare what your recipient receives on your route; beyond price, it offers an extensive network, multiple delivery options, and fast processing times.

WorldRemit vs Competitors:

WorldRemit Strengths:

• Strong in Africa and Asia
• Mobile wallet transfers
• Airtime top-up option
• Fast processing (minutes)
• User-friendly mobile app
• 130+ destination countries
• No physical branches needed

Considerations:

• Price varies by corridor
• Exchange rate markups vary
• Fees vary by payment method
• Limited in some regions
• The rate matters most on large amounts

For transfers to popular remittance destinations like Nigeria, Kenya, Ghana, India, Philippines, and Bangladesh, WorldRemit combines speed and convenience with wide mobile-wallet coverage; compare the cost for your corridor. The service is particularly valuable when recipients need funds quickly via mobile wallet or when sending airtime top-ups to family abroad.

Tips to Save on WorldRemit Fees

Choose Wisely:

• Compare wallet, bank and cash pickup fees
• Pay with bank account or debit card
• Avoid credit card payments
• Consider airtime top-ups when applicable

Maximize Savings:

• Compare delivery methods before sending
• Compare the amount received, not just the fee
• Compare another provider on the same corridor

Pro Tips:

Receive amount: The rate margin varies by corridor, so compare what your recipient gets, not just the fee
Delivery method: Mobile wallet, bank deposit and cash pickup each carry their own flat fee, so compare them before you send

Frequently Asked Questions

What exchange rate does WorldRemit use?

WorldRemit does not use the mid-market rate you see on Google. It adds a margin to it, and more on some cash-pickup corridors. On UK bank deposits we measure 0.3% to 1.9% across the routes we price, with the Philippines at the thin end on 0.6% and Mexico at the other on 2.7%. That margin never appears as a fee, so it only shows up in the amount your recipient gets.

Does WorldRemit charge a fee to send USD to INR (India)?

It is small rather than absent. On the quotes we collect, a $1,000 bank deposit to India carries a $0.99 fee, with the larger cost in the rate: a margin of about 0.3%, or $3 on that amount. Cash pickup carries its own flat fee.

How much does WorldRemit charge for international transfers?

A flat fee set by the destination and the delivery method: around $0.99 for a bank deposit sent from the US (£0.99 from the UK) on the routes we price, and $2.99 for cash pickup (£1.99). Every transfer also carries a margin in the exchange rate, 0.3% to 1.9% on UK bank deposits.

Is a no-fee WorldRemit transfer really free?

Not quite - a transfer with no fee has no upfront charge, but WorldRemit still earns a margin on the exchange rate. A clear example, with WorldRemit's own fees and markups on today's mid-market rate: sending £1,000 to the Philippines, the free mobile wallet option delivers ₱83,134 while the £2.99 cash pickup option delivers ₱83,598 - ₱464 more despite the fee, because it uses a better rate.

What are WorldRemit's transfer limits?

Limits depend on your country, your account verification level, and how you pay. For US senders the usual limits are up to about $5,000 per transaction and around $9,000 per day, with higher limits available after extra verification. Card-funded transfers often have lower per-transaction limits than bank-funded ones, and the receiving country can set its own caps on cash pickup or mobile wallet. WorldRemit shows your available limit during the transfer.

Is it cheaper to use bank deposit or cash pickup on WorldRemit?

It depends on the route. Each method has its own flat fee, and some cash-pickup corridors also take a wider margin in the rate, so try every delivery method your recipient can use in the calculator above. Keep cash pickup for when the money is needed in hand, since many cash-pickup transfers are ready within about an hour.

Is WorldRemit safe and regulated?

Yes. WorldRemit is regulated by financial authorities where it operates, including the FCA in the UK and FinCEN in the US, and it uses bank-level encryption to protect your data and money. The company has operated since 2010, serves millions of customers, and sends to over 130 countries. You can track every transfer in real time through the app or website using the reference number.

How fast are WorldRemit transfers?

It depends on the delivery method. Cash pickup and mobile wallet transfers are often ready within minutes to an hour, debit-card and bank deposits can be same day or next working day, and airtime top-ups are instant. WorldRemit shows the estimated delivery time before you confirm, and you receive notifications as the transfer is sent and collected.

Last Updated: Pricing collected November 5, 2026. Figures on this page are WorldRemit’s own quotes on the routes we track, collected on the date above; they are not a quote for your transfer. Cost varies by corridor, amount, delivery and payment method, so confirm the live quote before you send. How we check figures