Review: WorldRemit international money transfers

Send money overseas with WorldRemit’s range of options, including to a mobile or cash pick-up location.

  • Good for sending to those without a bank account in a wide range of countries.
  • Not so great for larger transfers, due to the low daily minimum.

4.9 ★★★★★ (9 reviews) Write a review


Min. Transfer Amount

AUD 50,000

Max. Transfer Amount

Within an hour

Transfer Speed

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Min. Transfer AmountAUD 1
Max. Transfer AmountAUD 50,000
Transfer MethodsOnline, Bank Account to Bank Account, Cash Transfer
Transfer Speed
Minimum transfer time
Within an hour
Online Transfer FeeAUD 3.99
Online Transfer FeeAUD 3.99


  • No minimum transfer amount
  • Large range of destinations
  • Competitive exchange rate


  • Significant amount of transfer fees as amount goes up
  • Maximum amounts apply when sending

Review by

Zak Killermann is a staff writer at Finder specialising in money transfers. He has ghostwritten hundreds of FinTech articles over the years and found his love for publication at St. Cloud State University. Zak has been travelling internationally for nearly half his life and — after getting burned once by an over-the-counter money exchange — vowed to never settle for anything short of the mid-market rate.

Expert review

WorldRemit's network isn't quite as large as brands like Western Union, but you'll often find better rates and lower fees with WorldRemit. Plus, WorldRemit's app and website tell you upfront what exchange rate and fees you'll be paying without needing to sign up first. This makes it easier to compare against other companies to see if you're getting the best deal.

One major downfall of WorldRemit is that you can't pay in cash, but its global network does support cash pickups in many countries worldwide. Other delivery options like mobile airtime top-ups, bill pay and door-to-door cash delivery help round this service out for some sending destinations. You'll also often be able to find promo codes to get a better deal if you're a first-time customer.

WorldRemit's coronavirus response

With the pandemic affecting how we can pick up money transfers, WorldRemit is asking customers to send transfers online through the WorldRemit app. And, where possible, to send to your recipient's mobile money or airtime accounts. Cash pickup locations may not be available or may have reduced hours as local businesses are affected by movement restrictions.

What is WorldRemit?

WorldRemit is a global remittance company that was founded in 2010 by Ismail Ahmed, a Somali migrant who was studying in London at the time. WorldRemit is currently headquartered in London, UK, but operates in more than 150 countries around the world.

Why should I consider WorldRemit?

  • Easy-to-use website. Signing up and sending money can be done in as little as a few minutes, and support can be accessed through phone, email, live chat and FAQs.
  • Worldwide network. Customers in more than 50 countries can send funds to over 150 countries in a variety of methods, including bank transfers, cash pickup at thousands of locations, door-to-door delivery, delivery to services like Alipay and more.
  • Flexible payment options. Pay with a credit or debit card, from your bank account, through Apple or Google Pay and even with prepaid cards.
  • Fast transfers. Cash pickups, WorldRemit Wallet transfers and airtime top-ups are typically available instantly after sending, while mobile money and bank deposits may take one or more business days to process.

What to be aware of with WorldRemit

  • Maximum daily limits. Transaction limits depend on how you are sending the money, and a 24 cap may be imposed on transactions out of Australia.
  • Changing fees. Depending on where you are sending to, how you are paying and how you are transferring money, your fees may vary. Although a base fee of $3.99 is applied to most transfers, keep an eye on this category when actually completing your transfer to make sure it doesn't change.
  • No hedging options. WorldRemit only offers one-off transfers, unlike some of its competitors that offer additional tools to help you save money. Hedging tools are most often used to lock in an exchange rate, helping you save money on future transfers if the market shifts against your position.
  • Inconsistent markups. Exchange rates vary through WorldRemit and depend not only on the currency you are sending to but also on the destination country. Expect mid-market markups anywhere from 1-4%.

Zero fees on your first THREE money transfers

Send money with WorldRemit using the code '3FREE' and pay no fees on your first three money transfers

Zero Fees on Your 1st Money Transfer

Your first transfer is free with WorldRemit when you use this coupon code. Send to 140+ countries.

WorldRemit's fees and exchange rates explained

Transfers through WorldRemit will have both a fee and a mid-market margin markup added to them. These depend on the following:

  • Location. Fees and exchange rates may vary based on the country you are sending to. Even if two destination countries share the same currency, the exchange rate offered by WorldRemit may vary when sending to each.
  • Amount. Although the fee for most transfers will be $3.99, some countries will have higher fees based on the amount you are sending.
  • Delivery. Sending cash will typically have higher fees, while sending to a bank account tends to be cheaper.

Unlike many competitors, WorldRemit offers the same exchange rate no matter how much you send.

Sending $500 from Australia around the globe

As of 12 June, 2020, here are the mid-market rate markups and fees for popular sending destinations around the world when sending money. The rates may vary depending on whether you're sending a cash transfer or to a bank account. The mid-market rate is the exchange rate you'll see when you look up a currency pair on Google and is the current recognised rate that traders use to buy and sell a pair of currencies. The lower the percent above the mid-market rate that WorldRemit is charging, the better.

Sending toCurrencyMid-market rateWorldRemit rate% above mid-marketFees from (AUD)

Calculate how much your transfer with WorldRemit could cost

Choose the currency you want to send and enter the desired transfer amount. The table will give you an idea of what your transfer could look like.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 1 Within an hour AUD 3.99 0.716 USD
Use code Take10AUD to get $10 off when you spend $20. Valid till 31 January 2022. T&Cs apply.
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Check if there are any WorldRemit discount codes and coupons

How long does a transfer with WorldRemit take?

WorldRemit transfer speeds depend on the delivery method you choose.

Delivery methodTransfer speed
Bank transferWithin minutes to five business days
Cash pickupInstant
Mobile moneyWithin minutes
Airtime top-upWithin minutes
Home deliveryOne to seven business days

Where can I use WorldRemit?

WorldRemit transfers can be sent from over 50 countries and received in over 150 countries. You can check out the full list of currencies here, but popular currencies and sending destinations include the following:

  • MXN Mexican peso
  • CNY Chinese yuan
  • INR Indian rupee
  • PHP Philippine peso
  • GTQ Guatemalan quetzal
  • NGN Nigerian dollar
  • SVC El Salvador colon
  • DOP Dominican peso

Is WorldRemit safe to use?

WorldRemit uses many methods to keep your money safe and is authorised and regulated by many government agencies. In short, here is how WorldRemit keeps your money safe:

Secure payment channels

Depending on where you are sending money from and to, you can expect your payments to be secured by the following:

  • Apple Pay
  • Android Pay
  • Verified by Visa
  • Mastercard and Maestro SecureCode

Regulation compliance

WorldRemit holds many licenses around the globe, including in the following countries:

  • United States
  • United Kingdom
  • Canada
  • Australia

Dedicated security teams

WorldRemit uses machine learning to monitor all transactions, and anything suspicious is forwarded for human attention. When problems pop up, customers can contact WorldRemit 24/7 by using the following methods:

  • Telephone
  • Emails
  • Live chat

What WorldRemit's reviews look like

Trustpilot4.5 out of 5 — based on 36,956 customer reviews
CompareRemit1.7 out of 5 — based on 118 customer reviews
Monito8.3 out of 10 — based on staff reviews

Reviews accurate as of April 7, 2020.

A lot of the complaints found online about WorldRemit have to do with the time delay when receiving a refund and occasional claims that a refund wasn't received at all when requested. Overall, WorldRemit customer care seems to answer these complaints on the various threads they are posted, often providing additional phone numbers for the customer to reach out and receive more help to solve their issue.

WorldRemit has been in business since 2010. Aside from 24/7 customer support, the website also boasts an extensive FAQ to help customers find the answers to many popular questions and concerns surrounding the service.

How to create a WorldRemit account and send your first transfer

You can sign up with WorldRemit online and, as soon as you’re verified, can make transactions quickly and easily.

How do I receive money through WorldRemit?

Depending on where you live, the ways to receive money through WorldRemit may vary. WorldRemit offers the following ways to receive money:

  • Cash pickup. Pick up a cash transfer at one of WorldRemit's partner network locations – these are typically banks.
  • Bank transfer. Have the money delivered straight to your bank account. Additional fees may apply, so always double-check with your bank before accepting a transfer this way.
  • Mobile money. Receive money into your existing mobile wallet service, which you can then use to pay bills, withdraw at authorised agents and similar actions.
  • Airtime top-up. Have money sent directly to your telecom network to cover your phone bill.
  • Door-to-door delivery. Physical cash is delivered straight to your door, but you must present a valid ID that matches the details entered by the sender.

What information will I need to send a transfer?

To send money through WorldRemit, you'll need the following:

  • A WorldRemit account. Creating an account is free and can typically be done in a few minutes or less.
  • Valid payment. Payment options for transfers out of Australia include debit, credit and prepaid cards, bank account transfers, Apple Pay and Android Pay.
  • Recipient's name and contact information. To make sure your transfer goes smoothly, have your recipient's legal name, bank account information and contact info ready when setting up your transfer.
  • Valid identification. Valid ID is required to transfer with WorldRemit. Acceptable forms must include your photograph, your full name, date of birth and more. Typically accepted forms of ID include passport or driver's licence.

WorldRemit Wallet, mobile money and airtime top-ups explained

Some of these services you may know under different names and not all of them are available worldwide.

WorldRemit Wallet

Similar to other digital wallets, the WorldRemit Wallet enables users in select countries to store money without having to move it to a bank account or for cash pickup. The WorldRemit Wallet comes included in the WorldRemit mobile app in participating countries and can currently store US dollars, Philippine pesos, Ugandan shilling and Central African francs.

WorldRemit mobile money

Mobile money is an ewallet service that is available for use in more than 80 countries and may be particularly useful for the underbanked and unbanked. Mobile money uses smartphones and basic phones to store money that can be saved, withdrawn and sent by the user through their phone. Users can use their mobile money to buy things in participating stores and online shops as well as to pay bills and more.

Airtime top-ups

Many mobile service providers allow you to pay for service through money transfers. This is where airtime top-ups come into play. WorldRemit allows you to pay for service in other countries, perhaps for your friends or family, so that they will have airtime minutes and text balances to stay in touch with you.

Does WorldRemit have a mobile app?

WorldRemit app screenshot

Yes, WorldRemit has an app available on both the App Store and through Google Play. Through the app, you can do the following:

  • Save contact information. Store your frequent recipients to make starting a transfer to them even quicker.
  • Get daily price notifications. Keep an eye on multiple currency pairs to send your money when the exchange rate is in your favor.
  • Track transfers. See the progress of your transfer in the app and opt in or out of SMS notifications.
  • Access customer support. Find live chat, telephone numbers and email options to contact customer support through the app.
Reviews accurate as of April 7, 2020
Google Play Store4.3 out of 5 — based on 59,751 customer reviews
Apple App Store4.8 out of 5 — based on 40,000 customer reviews

Compare WorldRemit to other transfer services

Our table below shows you the fees and exchange rates you can expect from other money transfer specialists. Compare WorldRemit to the other providers below to see if it's the best option for you.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
AUD 3 1 - 2 days AUD 8.00 0.716 USD
Transfer money overseas for $0. Valid till 15 February 2022. T&Cs apply.
Go to site Show details
GBP 0 1 - 2 days AUD 3.99 0.715 USD
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries. Go to site Show details
AUD 2,000 1 day AUD 0.00 0.713 USD
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
Go to site Show details
AUD 1 Within an hour AUD 0.00 0.712 USD
New customers get their first transaction for free with code FIRSTFREE. T&Cs apply.
Send money in minutes at competitive exchange rates with this Australian money transfer service.
Go to site Show details
AUD 2,000 1 day AUD 0.00 0.711 USD
Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.
Go to site Show details
AUD 1 Within an hour AUD 0.00 0.714 USD
XE has fast transfers with low fees and a range of foreign currency tools. Go to site Show details
AUD 1 Within an hour AUD 3.99 0.714 USD
Use code Take10AUD to get $10 off when you spend $20. Valid till 31 January 2022. T&Cs apply.
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
Go to site Show details
AUD 1 1 - 2 days AUD 22.50 0.717 USD
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies. Go to site Show details
AUD 200 1 - 2 days AUD 25.00 0.717 USD
Exclusive: Use code FINDER60 to get AUD 30 off your first two transfers. Valid for transfers over AUD 250 and till 31 January 2022. T&Cs apply.
Instarem offers simple transfers with a flat 0.5% transfer fee for most transfers.
Go to site Show details
AUD 1 1 day AUD 26.00 0.717 USD
Pay no fees on your first two transfers, up to $3,000.
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
Go to site Show details
AUD 10 Within an hour AUD 2.99 0.712 USD
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Go to site Show details
AUD 5 1 - 2 days EUR 3.00 0.713 USD
Special offer: New customers get unlimited fee-free transfers for their first 3 months. T&Cs apply.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Want to compare WorldRemit with other services side-by-side?

WorldRemit vs Wave

Western Union vs WorldRemit

Bottom line

WorldRemit offers clear pricing on the fees and exchange rates it uses, making comparisons a breeze when trying to find the best price for your transfer. With many years under its belt, while serving millions of customers a year, new customers should have little reason to worry when sending a transfer through WorldRemit.

Frequently asked questions

Can I send money with WorldRemit without ID?

No, WorldRemit requires ID when sending from Australia to verify your identity.

Can I pay with cash at WorldRemit?

No. Since WorldRemit doesn't have any agent locations from which to send money, paying with cash is not an option.

How do I track my WorldRemit transfer?

Whether sending online or through the WorldRemit app, your transfer will automatically be tracked and you'll automatically be updated. You can opt in to SMS updates so that you'll know exactly when your transfer arrives or if it has hit any snags along the way.

How do I contact WorldRemit customer service?

Contact WorldRemit customer service in the following ways:

  • Live chat - You'll start by talking with a bot but can navigate to a real agent.
  • Email - Use WorldRemit's onsite email form to send an email about your problem or concern.
  • Phone - Call 1800 130478 to reach WorldRemit customer service in Australia.

Can I cancel a transfer?

If you need to cancel a transfer you have made, you should contact WorldRemit as soon as possible. Depending on how long it's been since you initiated the transaction, WorldRemit may not be able to refund it.

How do I file a complaint?

If you have been unsuccessful resolving the issue with WorldRemit customer service, you can file a complaint with the Australian Competition and Consumer Commission (ACCC).

International Money Transfer Offers

Important Information*
Logo for HSBC International Money Transfers
HSBC International Money Transfers

Transfer money overseas for $0. Valid till 15 February 2022. T&Cs apply.

Logo for Azimo International Money Transfers
Azimo International Money Transfers

Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.

Logo for MasterRemit International Money Transfers
MasterRemit International Money Transfers

New customers get their first transaction for free with code FIRSTFREE. T&Cs apply.
Send money in minutes at competitive exchange rates with this Australian money transfer service.

Ask an expert

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Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.


    Default Gravatar
    December 7, 2018

    Is it safe to send money through WorldRemit?

    Plus I have heard that bank accounts are being closed for sending money through them is it true can they do this?

      Avatarfinder Customer Care
      December 13, 2018

      Hi Debra,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Yes, it is safe to use WorldRemit. The company is well-regulated by the government. They also have good reviews and millions of customers.

      Regarding your next question, so far, I haven’t heard about bank accounts being closed simply because they used WorldRemit. It could be there are other reasons that those accounts were closed.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


    Default Gravatar
    August 7, 2018

    are world remit services available in South Africa?

      Default Gravatar
      August 7, 2018

      Hi Junior,

      Thanks for leaving a question on Finder.

      WorldRemit services are available in South Africa. There are other options in sending money to South Africa. Please use the table to help you find the money transfer service that suits you.

      When you are ready, press the “Go to site” button to proceed with your transfer.


    Default Gravatar
    September 14, 2017

    How can I use Worldremit to send money to Malawi?

      Default Gravatar
      September 14, 2017

      Hello Allan,

      Thank you for your inquiry.

      Our guide on how to send money to Malawi will give you a list of money transfer service that can help you. Simply enter the amount you wish to send and press “Calculate” then compare different brands based on their minimum transfer amount, speed, fees, and exchange rates.

      Once you have chosen a particular provider, you may then click on the “Go to site” button to start with your transfer. Before doing so, please ensure you review the relevant terms and conditions.

      Hope this helps.


    Default Gravatar
    December 31, 2016

    Hi. I’m trying to work out if we can collect cash pick up in Western Australia (perth) sent from Norway. If so, where would collection be.

      Avatarfinder Customer Care
      January 1, 2017

      Hi Jason,

      Thanks for getting in touch. Just to confirm that is a third party comparison site and we don’t represent Worldremit.

      The cash-pick up location is actually not yet available in many locations in Australia. For those where it is available, the point of pick up will be listed for the sender to share with the recipient. Alternatively, you can also contact Worldremit directly on the phone number listed above to inquire.


    Default Gravatar
    November 30, 2016


    l want to send cash to Zimbabwe and l want the recipient to receive in usd. However l understand the country recently changed currency to local. Yesterday l called your Zimbabwe Harare offices and asked if l will get my money in usd and they said we don’t know as yet. Please advise me accordingly will l get my cash in usd not in the new currency since l am sending in usd. l would be happy to know as l want to send lots of cash for the Christmas holidays.


      Avatarfinder Customer Care
      December 1, 2016

      Hi Loveness,

      Thanks for your question. Just to confirm, you’ve come through to Finder. We are an Australian comparison website. If you would like to speak to a representative from WorldRemit, we recommend getting in touch directly with them.

      Otherwise, you can check cheap ways to send money overseas and compare other money transfer services.


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