Remitly vs Pesa: Which Pays More in 2026?
Live rate comparison for African diaspora corridors. Both providers compared side by side, sorted by who delivers the most to your family.
Remitly vs Pesa: Live Rate Today
Select your corridor below. Both Remitly and Pesa appear in the table along with all other providers, so you can see exactly how they compare right now.
CAD →NGN
Amount: 100 CAD · 8 providers compared
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CheckRate compares rates only. Click a provider to send money on their platform. Rates are the latest checked and may have changed since. Always confirm the final amount on the provider's app before sending.
Corridors Both Support
Remitly vs Pesa: Full Comparison
Remitly
Pesa
Founded
2011
Not checked
Headquarters
Seattle, US
Not checked
Fee model
Fee varies by route, from none up to 6.99 CAD in CheckRate's records
No transfer fee in CheckRate's records
Speed
Not measured by CheckRate; the app shows an estimate before you pay
Not measured by CheckRate; the app shows an estimate before you pay
Sending currencies
CAD, GBP, USD, EUR
CAD, GBP, USD, EUR
Destinations
NGN, GHS, KES, UGX, RWF, XAF, XOF, ZAR, SLE, ZMW, TND, INR, PKR
NGN, GHS, KES, ZAR, XAF
Delivery methods
Nigeria: bank deposit, cash pickup and mobile wallet, Ghana: cash pickup, bank deposit and mobile wallet, Kenya: M-Pesa, Airtel Money, Equitel, bank deposit and cash pickup, South Africa: bank deposit and cash pickup
Bank account or mobile wallet, by Pesa's own site
Regulation
Canada: Remitly Canada, Inc., FINTRAC M15481516, on the Bank of Canada PSP register; UK: Remitly U.K., Ltd, FCA FRN 1047222 (authorised e-money institution); US: Remitly, Inc. is listed in FinCEN's money services business search
Canada: Pesapeer Inc., FINTRAC M20300281, on the Bank of Canada PSP register; UK: Pesapeer Payments Limited, FCA FRN 931425 (authorised e-money institution); US: Pesapeer Payments LLC is listed in FinCEN's MSB search; Pesa gives NMLS ID 2796311 (state licences not checked by CheckRate)
Pros: Head to Head
Remitly
- Paid the euro peg rate on every day for EUR to XAF and XOF in CheckRate's records (13 June to 11 October 2026)
- Highest standard rate on 60 of 75 days for CAD to SLE and 59 of 75 for GBP to XOF
- Tracked on thirteen destination currencies
- Lists cash pickup in Nigeria, Ghana, Kenya and South Africa
- First-transfer promotional rate for new customers, shown separately on CheckRate
Pesa
- Highest standard rate on 73 of 75 days for USD to NGN in CheckRate's records (13 June to 11 October 2026)
- Highest on 75 of 75 days for USD and EUR to GHS, and 70 of 75 for GBP to GHS
- No separate transfer fee in our records
- Registered in Canada and authorised by the FCA in the UK
The Verdict: Remitly vs Pesa
There is no single answer. In CheckRate's records the provider with the highest rate differs from route to route and changes over time, and fees differ by route. The licence details above are what we found on the regulators' registers in October 2026.
Compare the estimated amount received for your route and amount on the day you send, then confirm the final figure in the provider's app before you pay.
Compare live rates nowRemitly vs Pesa: FAQ
Is Remitly or Pesa better for sending money?
It depends on the route and the day. In CheckRate's records the provider with the highest rate changes from route to route and from day to day, and a transfer fee can change the order. Compare their estimated amounts received for your route on the day you send.
Does Remitly or Pesa charge fees?
Remitly: Fee varies by route, from none up to 6.99 CAD in CheckRate's records; the rest of the cost is in the exchange rate. Pesa: No transfer fee in CheckRate's records; the cost is in the exchange rate. The estimated amount received on CheckRate already accounts for the fee we have on record and the exchange rate.
Which is faster: Remitly or Pesa?
Remitly: Not measured by CheckRate; the app shows an estimate before you pay. Pesa: Not measured by CheckRate; the app shows an estimate before you pay. CheckRate does not measure delivery times, and each provider shows its own estimate before you pay.
Are Remitly and Pesa regulated?
What we found on the regulators' registers (9 to 11 October 2026). Remitly: Canada: Remitly Canada, Inc., FINTRAC M15481516, on the Bank of Canada PSP register; UK: Remitly U.K., Ltd, FCA FRN 1047222 (authorised e-money institution); US: Remitly, Inc. is listed in FinCEN's money services business search. Pesa: Canada: Pesapeer Inc., FINTRAC M20300281, on the Bank of Canada PSP register; UK: Pesapeer Payments Limited, FCA FRN 931425 (authorised e-money institution); US: Pesapeer Payments LLC is listed in FinCEN's MSB search; Pesa gives NMLS ID 2796311 (state licences not checked by CheckRate). Registration is not deposit insurance.
Full Provider Reviews
Rates shown are fetched from provider platforms and updated approximately every hour. They are for comparison purposes only and are not guaranteed at the time of transfer. CheckRate is not paid by these providers, and our links go to their public websites. See our rate methodology for details.