Is Remitly or Unplex cheaper?

Cost varies by corridor and amount. Compare both on the corridor page above for live rates, fees, and recipient amounts.

What's the main difference between Remitly and Unplex?

Remitly (Tiered fee + rate markup): Cash pickup, mobile wallet, and bank deposit options with a price guarantee. Unplex (Low/zero fee, FX margin only): WhatsApp-based remittance from USA, UK and Europe to India and Philippines. No app download required.

Which is faster, Remitly or Unplex?

Both providers offer same-day or faster options for popular corridors. Cash-pickup networks (MoneyGram, Western Union, Xoom) usually clear in minutes; bank transfers can take 1–3 business days.

Which is safer, Remitly or Unplex?

Both are licensed money services businesses. Remitly is regulated in USA, UK, EU. Unplex is regulated in USA. As long as you transfer through their official site or app, both are safe to use.

Does Remitly or Unplex offer better exchange rates?

Rate competitiveness varies. Remitly markets tiered fee + rate markup, while Unplex uses low/zero fee, fx margin only. The recipient amount is the only fair comparison — see the corridor page for live numbers.

Remitly vs Unplex

Live fee, exchange rate and recipient amount comparison for USD → INR. Pros, cons and licensing in one view.

Live data temporarily unavailable for this comparison. See the corridor page for full live numbers.

Tiered fee + rate markup

Cash pickup, mobile wallet, and bank deposit options with a price guarantee.

Fee: Free
Rate: 94.6494
Speed: Minutes
Recipient gets: INR 94,649

Founded 2011

Seattle, WA, USA

Pros

Cash pickup at thousands of locations across India, the Philippines and LatAm
Price-lock guarantee — quoted rate honoured even if it moves
Strong mobile app, easy first-time setup

Cons

Exchange rate includes a markup
Express tier costs significantly more than Economy
Customer support response times can vary

Try Remitly

Low/zero fee, FX margin only

WhatsApp-based remittance from USA, UK and Europe to India and Philippines. No app download required.

Live data unavailable.

Founded 2021

Chicago, IL, USA

Pros

Zero app friction — initiate the transfer in WhatsApp
Useful for senders less comfortable with mobile-app onboarding
Low or zero fees on India and Philippines corridors

Cons

Limited destination coverage — India and Philippines only
WhatsApp-as-UI is unusual; may not feel as polished as a native app for some users
Newer entrant with smaller customer base than Remitly or Wise

Try Unplex

Side-by-side comparison

Spec	Remitly	Unplex
Fee model	Tiered fee + rate markup	Low/zero fee, FX margin only
Headquarters	Seattle, WA, USA	Chicago, IL, USA
Founded	2011	2021
Status	Public (NASDAQ: RELY)	Private (Antler-backed, VISA Fintech Fasttrack)
Live USD→INR fee	Free	—
Live USD→INR rate	94.6494	—
Recipient gets (USD 1,000)	INR 94,649	—
Typical speed	Minutes	—
Top corridors	USD→INR, USD→PHP, USD→MXN	USD→INR, USD→PHP

User reviews

Remitly

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Unplex

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We don't host our own reviews — we link to Trustpilot so the rating isn't influenced by us.

Frequently asked questions

Other comparisons

Wise vs Remitly →Wise vs Xoom →Wise vs MoneyGram →Wise vs Western Union →Remitly vs Xoom →Western Union vs MoneyGram →

Live quotes from Wise's public comparison API, updated every 5 minutes. Provider profiles are based on public information; for pricing, KYC requirements and current promotions always check the provider's official site. Methodology.