Top WorldRemit Alternatives for Fast and Secure Transfers

While making global money transfers – either for personal reasons or for your business payments – you would’ve surely used or at least heard of WorldRemit. Being a payment platform widely used for sending and receiving personal remittances, it often pops up as a suitable cross-border payments solution. Especially when it offers multiple payment options and delivery methods, including cash pickups and airtime top-ups.

But popularity doesn’t mean that it works for every type of transfer or every kind of user. There are several limitations its users encounter that prompt them to look for alternatives.

Here, we discuss what those limitations are and what are some suitable WorldRemit alternatives.

TL;DR

Here the top WorldRemit alternatives:

1. Xflow: Best for faster settlements, business-ready workflows, automated compliance, AI-powered FX management, and transparent pricing with zero markups.

2. Wise: Best for multi-currency accounts with clear pricing and zero markup.

3. Xoom: Best for multiple payment and delivery options.

4. Remitly: Best for sending personal remittances with different delivery timelines.

5. Xe: Best for FX management and analysis along with international payments.

6. Revolut: Best for various digital banking and financial services like investment and budgeting.

7. MoneyGram: Best for cash-pickups and in-person transfers.

8. Western Union: Best for personal remittances with cash pickups at agent locations.

9. Paysend: Best for multiple payment methods and delivery options.

10. OFX: Best for international transfers with FX insights and spend management.

There are several reasons why you might seek WorldRemit alternatives. These include: 

• A maximum transfer limit of $5000. 
• High exchange rate markups. 
• Less focus on India-based businesses.
• Inability of Indian businesses to receive payments in INR or of more than ₹1,500,000.  
• Additional fees charged on payments made through credit cards. 
• Unresponsive customer service.
• Difficulty in getting refunds when payments are cancelled. 

Given how important global payments are in growing your business across borders and keeping your customers genuinely satisfied, choosing the right platform isn’t exactly a walk in the park. It demands a closer look at several factors, such as:

• How effortlessly you can initiate a transfer. 
• The actual speed of transfers and settlements. 
• Transparent, competitive pricing that doesn’t hide fees. 
• What the existing customers are saying about the platform. 
• A responsive, dedicated customer support team. 
• Enterprise-grade security measures.
• How well the platform handles your compliance needs. 
• Clear visibility into every transaction. 

Here is a list of the top 10 WorldRemit competitors that stand out for different reasons and are worth considering:

1. Xflow

Xflow is a modern WorldRemit alternative that is largely focused on Indian businesses of all sizes. Its automation-first approach, business-ready tools, global reach, simple interface, and strong focus on compliance needs, make it a strong contender for our list.  

Key features

• Foreign currency accounts for local bank transfers. 
• Invoicing tool to automatically create professional-looking invoices.
• Shareable payment links with clients.
• FX AI analyst for predictive insights on exchange rates.
• Payments of more than $10,000 in a single invoice. 
• Auto-reconciliation of payments. 
• Payment collection from more than 140 countries and in 25 plus currencies. 
• Real-time tracking of transactions.
• Smart integration with third-party tools. 
• White-label API for platforms. 
• Built-in EDPMS management for RBI compliance. 

Pricing

When it comes to pricing, Xflow charges only a transfer fee and no currency exchange markups on the mid-market rate. Based on your invoice amount, its pricing plan is divided into:

• Starter: For invoices under $3,500, a fee of $12.00 is charged, and 0.6% is charged above $2,000. 
• Growth: For invoices between $2,000 and $10,000, a flat fee of $20 is charged, and 0.4% for invoices greater than $5,000. 
• Scale: This is suitable when your invoices are greater than $10,000. Under this, you can get custom pricing. 

Pros

• Clean, intuitive dashboard giving complete visibility into transactions and FX rates. 
• Faster settlements that take only 24 hours.
• Client payments through their favorite payment methods. 
• Automatic issuance of eFIRA by RBI-authorized banks after every withdrawal.  
• Ability to convert your funds anytime, despite the FX market's time limit. 
• No hidden charges and zero markup.
• Ability to lock FX rates, so you can withdraw predictable INR amounts without any surprises. 
• Funds converted at targeted conversion rates based on AI-powered insights.
• Priority customer service without any wait times.
• Easy onboarding with minimum documentation requirements. 

Review

Here are some of the reviews left by Xflow users on G2: 

“Initially, I was a bit skeptical, so I started with a small trial transfer. However, after using the service for a month or two, I formed a clearer opinion.”

The platform is very easy to use and quite self-explanatory, making the process straightforward. I found it more convenient than the traditional banking route, and the conversion rates were better as well. Transfers reached the recipient's account in less than 24 hours. Additionally, the customer service team was very helpful throughout my experience.”

“Best pricing and timely transfer. We use them for money transfer on a monthly basis. We found their pricing, product and service to be very good. Far better than going via a traditional bank.”

“What I like best about Xflow is how it takes away the hassle of traditional banks. Receiving international payments used to mean long clearance times, unpredictable exchange rates, and uncertainty about the final amount—often delaying order fulfillment, impacting lead times, and squeezing profitability. With Xflow, payments are faster, transparent, and far more reliable. We’ve cut our lead times by up to 72 hours while also getting the best FX rates in the market, directly boosting both efficiency and profitability.”

Ratings: 4.9 on G2

Find out why more than 7000 customers trust Xflow for seamless international transactions. Book a demo now!

2. Wise (formerly TransferWise)

Next on our list is Wise, a widely known payment solution that helps businesses and individuals to send and receive international payments quite easily. 

Key features

• International transfers to 170 plus countries in over 50 currencies. 
• Fraud monitoring, two-factor authentication, biometrics, and encryption for safe transfers. 
• Can be accessed from the website and app. 
• Digital eFIRA issuance. 
• Multi-currency accounts. 
• Batch payments to send multiple payments in one go. 

Pricing

Wise has clearly disclosed its fees publicly and uses mid-market rates for conversion, without any hidden markups. There’s a one-time setup fee that usually changes based on the country. In addition, you’ll be charged a 1.7-1.8% transaction fee and a fee for eFIRA. 

Pros 

• Wide global reach. 
• Easy to use and clean UI. 
• Mid-market exchange rates.
• Low transfer fees. 

Cons

• Fees charged for eFIRA issuance. 
• Some features are not available in India. 
• No foreign currency held in the Wise account. 
• Maximum and minimum transaction limits.
• Some complaints of account closures without communication. 

Review

Here are some reviews left by Wise customers on different platforms: 

“It was very easy to join every step explained and easy to create an account. I will recommend to my friends”

“Wise is easy to handle. I just had som difficulties with the reference number. It' very fast and the costs are okay.”

“my account got closed, without any given reason”

“You’ll be blocked on any given day without any way to appeal it. You’ll be left stuck with their mystique final decision that has no actual details. Their support won’t listen to your arguments or give you a chance to provide additional information and will repeat a canned speech over and over again.”

Ratings: 3.9 on G2

3. Xoom

Xoom is an international money transfer solution that allows people to send money online to more than 150 countries. It’s actually a PayPal service, which itself is a payment platform for sending and receiving funds online. 

Key features

• Multiple delivery options available – cash pickup, mobile wallet, bank account deposits. 
• Accessible through app and website. 
• Data encryption and 24/7 fraud monitoring. 
• Reload of prepaid mobile phones available. 
• Bill payments for friends and family. 

Pricing

Xoom’s pricing varies based on the receiving options. It also charges a currency conversion fee that changes with every transaction. In short, there’s no fixed estimate of what you’ll be charged, but the pricing gets clear when you’re ready for the transfer.  

Pros 

• Cash pickup available within minutes.
• A PayPal account can also be used for transfers. 
• Wide global reach.
• Easy to use and transfer funds.
• Real-time fund tracking.

Cons

• Transaction fee on amounts below $1000.
• High fees and exchange rate markup.
• Not all services available in all countries. 
• Only supports personal transfers. 

Review

This is what Xoom users have to share on Trustpilot: 

“Easy to use .money arrives in minutes.”

“All my transfers are on time and secure”

“Exchange rate is not competitive”

“Fees are too high”

Ratings: 4.7 on Trustpilot

4. Remitly 

Remitly is a financial services platform that mostly helps people with their personal remittance needs. Although it does provide business payments, they are just basic in nature. 

Key features

• Operates in more than 170 countries. 
• Tracking of transfers available. 
• Access through a mobile app or website. 
• Multiple transfer speed options, with Express for instant transfers and Economy for settlement within 1-5 business days. 
• Various security features like encryption and strict verifications. 
• Multiple delivery options – cash pickup, mobile wallet, and bank deposit. 

Pricing

Remitly doesn’t provide fixed pricing details. It varies based on the transaction amount, destination country, transfer options, and the payment method. It also charges a currency conversion fee with the markup ranging between 0.4% and 1.4% over the mid-market rate, which, once added for multiple payments, makes international transfers quite expensive. 

Pros

• Easy-to-use user interface. 
• Discounted or preferred rates for first-time users. 
• Delivery guarantee – refund is processed if payments don’t arrive within the specified time. 
• Real-time tracking of transactions. 

Cons

• Variable fees can be confusing. 
• Transfer limit applied for different countries. 
• Unresponsive customer service.
• Remitly Business for US-based companies only. 
• High currency conversion fee.
• Occasional complaints of funds being held up or cancelled. 

Review

Here are some of the likes and dislikes of Remitly users based on reviews shared on different platforms: 

“The best things about Remitly are the ease of usage for the end users, the self intuitive UI, and the speed of transactions with which money reaches the destination account.”

“As an international student in the USA, I’ve found Remitly to be a great way to send money back home to India—it’s affordable, fast, and makes it easy to support my family and manage my loan repayments. While the exchange rates could be better and there are some limits on transfers, it’s been a reliable service that helps me send money quickly without high fees.”

“I've used Remitly, my recent experiences have been really disappointing. Transactions seem to take way longer than advertised, and the "guaranteed delivery times" are unreliable. My transfer was delayed by days without clear updates or explanations.

This service claims to be quick and efficient, but in my experience, it's been quite the opposite.

I’ll likely be looking for a more reliable alternative for my future transfers. Not worth the hassle.”

Ratings: 3.9 on G2

5. Xe

Xe is a financial platform that allows international transfers and FX risk management solutions for businesses and personal payments. 

Key features

• Payments allowed in 190 plus countries in more than 130 currencies. 
• Real-time transaction tracking. 
• FX insights, live news, and feeds about exchange rate markets.
• Customizable dashboards. 
• Rate alerts for favorable currency pairs. 

Pricing

Xe has not disclosed its pricing publicly. You’ll have to contact the sales team for accurate pricing. The fee is also visible while you’re ready to make the transaction. However, it’s clear that the platform charges a transaction and a currency conversion fee. 

Pros

• Wide global reach. 
• Scheduled payments avoid missed deadlines. 
• IBAN calculator ensures the right destination. 
• Currency rate trend analysis. 
• Creation of automatic invoices. 

Cons

• Frequent complaints of delayed settlements or funds being held without communication.
• High markup added to mid-market rate. 
• Fee schedule not shared publicly and only available during the transfer process. 
• Transfer limits depending on countries.
• Additional fee charged when using a credit card. 

Review

This is what users have to share regarding their experience on Xe: 

“It is fast, secure and helps us to make money transfer easy!”

“quick and easy to use. Good customer service.”

“Remittance did not go through. Still waiting to get money that was taken from my account to be refunded. Hopefully that will happen. Can take up to 10 working days or more - time that XE is holding onto my money.”

Ratings: 3.9 on G2

6. Revolut

Revolut is a fintech platform that helps with the digital banking needs of both individuals and businesses. It has not yet been launched in India, but it has opened a waitlist for customers who wish to gain early access. 

Key features

• Multi-currency accounts for holding INR and foreign currencies. 
• Obtained the Prepaid Payment Instrument (PPI) license from the Reserve Bank of India (RBI) to launch in India. 
• Physical and virtual cards offered. Plus, corporate cards available for businesses.  
• Encryption, multi-factor authentication, and fraud detection for security. 
• Expense management with AI automations. 

Pricing

Revolut has not yet disclosed what pricing plans it will be following in India. Based on the pricing available in countries where it’s already being used, it offers four plans for businesses, distinguished by their price and features. These are Basic (starts at £10/month), Grow (starts at £30/month), Scale(starts at £90/month), and Enterprise(custom pricing). 

Pros 

• User-friendly interface.
• Tiered plans from which users can choose based on their needs. 
• Additional features like cryptocurrency trading and investments available. 

Cons

• Lots of uncertainty about the services to be offered in India. 
• Business-oriented services not confirmed for India. 
• Fees and markups might be higher. 
• Unresponsive or delayed customer support. 

Review

Here are some of the reviews left by Revolut users on review platforms: 

“The ease of use, the ability to link with my bank. the clarity in using the app.”

“At this time all my experience is not positive due to support inquiry that's dragged out over a month. Their service is making me not compliant for tax reporting as I can't download statements from their app.”

“Over the last 2 months, more and more payments have gone missing. Despite using identical details, more than 30% of inbound payments have not been received. Their support function has a sole purpose of blaming the other counterparty.”

Ratings: 3.9 on G2

7. MoneyGram

Next on the list is MoneyGram, an international money transfer platform that operates worldwide through its vast network of agent locations. It offers services for both businesses and individuals for managing remittances and business payouts. 

Key features

• Transfer to over 200 countries and more than 400,000 agent locations. 
• Transaction processing through the website, app, or in-person via agent locations.
• Different payment methods available – MoneyGram account, bank account, credit/debit card, Apple Pay, or cash at an agent location. 
• Fintech solutions like direct-to-account transfer and API integration. 
• Crypto-to-cash and vice-versa conversion allowed. 

Pricing

While the exact pricing is not disclosed on the platform, the transfer fee usually depends on the payment amount, the destination country, and the payment and delivery method chosen. 

Pros 

• Multiple payment methods and delivery options, like cash-pickup, mobile wallet, and bank and card deposits. 
• Face-to-face assistance by local agents for in-person transfers.
• Encryption and fraud detection for secure transactions.
• Real-time transaction tracking.  

Cons

• High currency exchange markup.
• Card payments charge additional fees.
• Occasional complaints of blocked accounts without communication. 
• Transfer limit of $10,000 within a 30-day period. 
• No fixed transfer fee. 

Review

MoneyGram users usually highlight its safety, ease of use, and account-related issues and delayed customer support. Here are some reviews: 

“The money we transfer is safe and at our convenience no matter what time there is no problem on hassle it’s very reliable”  

“It is very convenient and very easy to use. I don't have to leave home to send money to my family.”

“I verified my identity, submitted my passport, and followed all the limits and policies. After one successful transfer, my account was suddenly disabled without any reason or warning. Their support is absolutely useless — no explanation, no transaction details, nothing but generic responses. This is by far the worst experience I’ve had with a financial service”

Ratings: 4.2 on Trustpilot

8. Western Union

Western Union is another WorldRemit alternative that simplifies cross-border payments for individuals and businesses, and is also recognised for its extensive agent network. 

Key features

• Access through app and website.
• Encryption and fraud detection measures for secure transfers. 
• Real-time tracking of transfer through MTCN, a unique tracking number. 
• Operates in more than 200 countries. 
• Wide network of agent locations to send and receive money in cash. 

Pricing

There’s no fixed pricing available for the transaction and currency conversion fee, and it varies depending on the destination country, transfer amount, and payment and delivery method used. 

Pros 

• Fast transfers for cash payments via agent locations. 
• Multiple payment and delivery options available. 
• User-friendly website and app.

Cons

• High exchange rate markup.
• Varying fees based on country.
• Transfer limits and daily transaction limits. 
• Users flag failed refunds after cancellations. 
• Unresponsive customer service. 

Review

This is what the platforms’ users have to say about their experience:

“A trustworthy company easy to transfer money to various outlets . Always trying to look after your safety when transferring money”

“Very terrible and disappointing..I have been following up for a money refund for the last 4 months and nothing has happened..I regret using western union..”

“It charges huge service fee” 

Ratings: 4.2 on Trustpilot

9. Paysend

Paysend is an online international transfer platform that helps with sending money to family and friends abroad. It also provides digital banking services for businesses in over 100 countries. 

Key features

• Accessible through a mobile app and website.  
• Multiple delivery options available. 
• Strong authentication, KYC, and AML checks. 
• Different payment methods to send money – credit/debit cards, digital wallets, and bank transfers.
• Tiered transfer limits based on user verification level. 

Pricing

Paysend charges a flat fee of $2 on every transaction. However, it has not disclosed how much markup it offers on mid-market exchange rates, which can increase the overall transaction fee. 

Pros 

• Fast transfers with most arriving instantly, while some may take 1-3 business days.
• High level of payment security. 
• Fixed transaction fee available. 
• Clean, intuitive UI. 

Cons

• No transparency on exchange rates. 
• Delay in transfers. 
• The verification process can take long. 
• Slow customer service. 

Review

Here is what Paysend’s users like and dislike about the platform: 

“What I like about PAYSEND is that it is simple and trustworthy. I send money to Europe, and after I click "send", not even 5 minutes have passed, the converted money was in the European account in ni time. The fee is very small. I recommend this money transfer app highly. Great asset to money transfering apps.”

“Very simple and efficient way to transfer funds internationally. Even when they delays they notify me.”

“I send money 8 this month still not received I ask customer service they told 3 to 5 days every time like I am not happy about pay send customer service solve the problem as soon as possible thanks”

“Poor slow text based customer service. Transfer is delayed for a very long time period.”

Ratings: 4.2 on Trustpilot

10. OFX

OFX is a financial platform for growing businesses and individuals for making global payments easily and securely, and for efficient FX management. 

Key features

• Payment management in more than 30 currencies and to 170 plus countries.
• Integration with accounting software like Xero and QuickBooks. 
• Real-time expense management for complete visibility. 
• Corporate cards issuance.
• Multi-currency accounts for receiving and holding funds. 
• Exchange rate analysis and rate alerts. 

Pricing

OFX doesn’t charge a transaction fee. Instead, most of its profits are made from currency conversion fees, which means the markup is usually high. Additional fees might also be charged depending on the payment method used. 

Pros 

• Multi-currency account with local bank details.
• Formal contracts to lock in FX rates. 
• Automated invoicing and billing.
• Spend management eliminates costly duplications.  

Cons

• Maximum limit of $1000 required. 
• High exchange rate markup on small amounts. 
• Slow speed of transfers.
• Hidden fees from third-party intermediaries and banks
• Occasional issues with the verification process during sign-up. 

Review

Users offer a mixed review of OFX, with some praising the clean UI and FX updates, while others complain about delayed funds and higher rates. 

“The web interface and mobile apps work well, and the experience is consistent across all platforms. Once recipients are loaded, then making payments is easy. Funds transfer within a day or two, not immediately, but this is to be expected as you are using an intermediary. The fee structure and email updates are very transparent. On the odd occasion the platform could not provide an immediate quote, I could call their help line and get an instant rate.”

“My transfer is left sitting unfinished for basically a week now. Multiple calls, someone tells me they still haven’t finalized my verification even though I sent all the documents last week. Really not happy so far.”

“i applied to open business ltd account in uk still in progress no response from ofx verification team daily email for resolving my issue but not yet resolve my issue”

Ratings: 4.4 on G2

It’s clear from the above list that different WorldRemit competitors offer a mix of services. Some race ahead with processing speed and delivery options, while some offer pricing clarity and highly secure transfers. The goal is not to confuse you; it’s to help you with your search.

Now, your job is to weigh your priorities – what matters more to you? Speed that gets money home in minutes, or fees that don’t eat into every transfer? A wide payout network to transfer even in remote areas, or better exchange rates for larger amounts? Once you’re clear about what you actually need, choosing the right platform might not be that difficult.

Having said that, there are platforms like Xflow that offer you the best in almost every lane – transparent pricing, fast settlements, solid FX rates, better compliance, real-time transaction tracking, an India-focused approach, dedicated customer support, positive customer reviews, and a smooth processing experience.

Sign up with Xflow today and find out for yourself!