WI
Wise
Mid-market FX, transparent fees. UK, US, EU, AU, CA.
Visit WiseWise vs Remitly: which is right for you?
Both Wise and Remitly serve Kenyans abroad sending money home. Wise wins on transparency and FX rate; Remitly wins on speed for the most common diaspora corridors. The choice depends on whether you need the cleanest cost or the fastest delivery to M-PESA.
Wise
remittance
A UK-founded fintech offering low-margin money transfers using mid-market FX rates.
Remitly
remittance
A US-founded remittance specialist focused on fast diaspora-to-home transfers.
Which is better for what
Quick guide by use case. Pick the row that matches your situation.
For the cheapest cost on a £1,000+ transfer to KES
Wise's FX margin is the smallest in the market on most major corridors.
Wise
For a fast £100-500 monthly remittance
Remitly's express option lands in M-PESA in minutes; Wise can take a few hours.
Remitly
For complete transparency on the FX rate
Wise displays the mid-market rate and the exact margin charged. Remitly's margin is rolled into the displayed rate.
Wise
For first-time-user promotional bonuses
Remitly typically runs aggressive first-transfer promos with zero or reduced fees.
Remitly
At a glance
| Wise | Remitly | |
|---|---|---|
| Sector | remittance | remittance |
Compare remittance
Test Wise and Remitly for yourself
A small first transfer or loan application is the fastest way to see real all-in cost for your specific case.
SW
Sendwave
Diaspora-Africa specialist. Often cheapest under $200.
Visit SendwaveLF
Lemfi
Strong UK-Kenya corridor, mobile-first app.
Visit LemfiWR
WorldRemit
Wider receive options including bank deposit and cash pickup.
Visit WorldRemitRE
Remitly
US-focused remittance with promotional FX for first transfers.
Visit RemitlyWU
Western Union
Legacy provider with the widest cash-pickup network for non-M-PESA family.
Visit Western UnionTT
TapTap Send
Africa-focused mobile app with fee-free transfers on many corridors.
Visit TapTap SendNL
NALA
East-Africa-focused app with strong UK and US corridor coverage.
Visit NALAMG
MoneyGram
Global legacy provider with deep cash-pickup network across Kenya.
Visit MoneyGramRM
Ria Money Transfer
Cash + digital, Walmart and many US retailers as sending points.
Visit Ria Money TransferCC
Chipper Cash
Pan-African app, originally peer-to-peer across Africa, now with diaspora sends.
Visit Chipper CashSK
Skrill
E-wallet first, used for international transfers and online betting payouts.
Visit SkrillSV
Sendvalu
Germany-based, EU-to-Africa corridors with cash-pickup partner network.
Visit SendvaluCommon questions
Can both deliver to M-PESA in Kenya?
Yes. Wise and Remitly both deliver directly to M-PESA wallets. Funds usually arrive within minutes to a few hours.
Which is cheaper for £1,000 to KES?
Wise is almost always cheaper at this amount. The savings can be £10-25 per transfer compared to Remitly.
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