Remitly vs Wise: 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 Wise: Live Rate Today
Select your corridor below. Both Remitly and Wise 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 Wise: Full Comparison
Remitly
Wise
Founded
2011
2011
Headquarters
Seattle, US
London, UK
Fee model
Fee varies by route, from none up to 6.99 CAD in CheckRate's records
Mid-market rate plus a fee shown at checkout
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, XAF, ZAR, SLE, INR, PKR
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
Shown in the Wise app for each destination
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: Wise Payments Canada Inc., FINTRAC M15193392, on the Bank of Canada PSP register; Other countries: check the regulator named on Wise's own legal page; CheckRate has not yet checked those registers
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
Wise
- Uses the mid-market rate, with the fee shown separately
- Fee taken from Wise's public price list, so the table can work out the amount received
- Registered in Canada with FINTRAC and on the Bank of Canada PSP register
The Verdict: Remitly vs Wise
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 Wise: FAQ
Is Remitly or Wise 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 Wise 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. Wise: Mid-market rate plus a fee shown at checkout. The estimated amount received on CheckRate already accounts for the fee we have on record and the exchange rate.
Which is faster: Remitly or Wise?
Remitly: Not measured by CheckRate; the app shows an estimate before you pay. Wise: 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 Wise 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. Wise: Canada: Wise Payments Canada Inc., FINTRAC M15193392, on the Bank of Canada PSP register; Other countries: check the regulator named on Wise's own legal page; CheckRate has not yet checked those registers. 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.