Remitly vs Sendwave: which is right for you?
Two diaspora-focused remittance apps with similar product fits. Remitly has stronger US-side onboarding and bonus structures; Sendwave has cleaner zero-fee pricing on the day-to-day flow. Most Kenyans pick based on which one they happened to install first.
Remitly
remittance
A US-founded remittance app with fast delivery and aggressive first-transfer promos.
Sendwave
remittance
A zero-fee app for diaspora-to-Africa transfers, with M-PESA-first delivery.
Which is better for what
Quick guide by use case. Pick the row that matches your situation.
For a first-time user looking for a promo
Remitly's first-transfer bonuses are bigger than Sendwave's in most major corridors.
For consistent monthly remittance
Sendwave's zero-fee flow beats Remitly's standard pricing once promos expire.
For an urgent same-minute transfer
Remitly's express option is the fastest of the two on most corridors.
For tight FX margins on £1,000+
Sendwave's FX margin is generally tighter than Remitly's.
At a glance
| Remitly | Sendwave | |
|---|---|---|
| Sector | remittance | remittance |
Common questions
Do both deliver to M-PESA?
Yes. Both Remitly and Sendwave deliver directly to M-PESA wallets in Kenya.
Which is cheaper for monthly £200 transfers?
Sendwave's consistent zero-fee model usually wins over a year. Remitly is competitive in the first month thanks to promos.
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