Remitly vs Revolut: How They Stack Up for Daily Use?

Remitly vs Revolut For U.S. Users

Remitly and Revolut are two widely used digital financial services that serve overlapping but distinct needs for U.S. users who send money internationally or manage multiple currencies. Remitly focuses primarily on remittances fast, reliable payments to recipients around the world with multiple payout options while Revolut offers broader digital-banking features, multi-currency accounts, and added financial tools. Choosing between them depends on whether you prioritize speedy remittance delivery and cash pickup options or an ongoing multi-currency banking experience with budgeting and exchange features. Below is a formatted comparison that preserves the original content while enforcing the requested heading and editorial rules.

What is Remitly?

Remitly allows sending money to over 170 countries using its website or mobile app. It is designed for people sending funds to family or friends abroad. Transfers can be sent via bank deposit, mobile wallet, or cash pickup at partner locations. The service emphasizes simple onboarding and delivery speed, especially for recipients who need cash or immediate access to funds.

How Remitly Works

Create an account, add recipient details, and choose a payment method such as a bank account, debit card, or credit card. You can select Express for faster delivery or Economy for lower-cost transfers that may take several days. Fees and delivery speed vary by destination, payment method, and the payout option selected. Limits and required verification depend on the amount being sent and regulatory requirements for the destination country.

What is Revolut?

Revolut functions as a digital bank offering accounts in multiple currencies. Users can manage spending, save in vaults, trade cryptocurrencies, and access both physical and virtual cards. Transfers can be made to other Revolut accounts instantly or to external banks worldwide. Revolut’s feature set targets people who need ongoing multi-currency management, card spending abroad, and additional financial tools beyond one-off remittances.

How Revolut Works

Sign up through the app and complete identity verification to unlock account features. Add funds to your account to send money internationally, hold multiple currencies, or use Revolut for everyday banking. Paid plans reduce fees and increase exchange limits while unlocking additional perks like travel insurance or higher withdrawal allowances. For bank transfers outside Revolut, standard banking rails such as SEPA or SWIFT are used, and processing times depend on the destination and corridor.

Features Comparison of Remitly and Revolut

Fees And Exchange Rates

Remitly charges per transfer with variations depending on destination, amount, and delivery speed. Paying by bank is generally cheaper than using a card, and Express options often incur higher fees than Economy. Revolut uses a subscription model: Standard is free while Premium and Metal plans lower fees and expand limits. Both providers add margins or fees around the mid-market rate in certain situations, so comparing the total landed cost (fees + rate) before sending is important.

Security And Reliability

Both platforms follow regulatory requirements and use strong encryption to protect user data and funds. Remitly complies with PCI standards and applies anti-fraud checks on transfers to reduce risk. Revolut implements two-step verification and features like one-time virtual cards to limit exposure from card fraud. Users should enable available security controls and monitor activity for unfamiliar transactions.

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Customer Support

Remitly provides round-the-clock support via phone, chat, and email, making it easier for senders and recipients to resolve urgent transfer issues. Revolut primarily supports customers through in-app chat, reserving phone support for specific urgent card-related problems or higher-tier users. Response times and resolution workflows can vary by plan and region, so users who value live phone support may prefer Remitly. For non-urgent account management and multi-feature usage, Revolut’s in-app support and help center articles often suffice.

Transfer Speed And Limits

Remitly Express delivers funds within minutes when using card payments, while Economy transfers typically take 3–5 business days. Both services set verification-based limits that increase after providing additional documentation. Revolut transfers between Revolut users are instant; SEPA transfers usually clear in 1–2 days and SWIFT can take 3–5 days depending on intermediary banks. Higher-value transfers may trigger further identity or source-of-funds checks that delay processing.

User Reviews

Remitly is commonly praised for reliability and fast Express transfers, especially where recipients need immediate cash pickup or mobile-wallet funding. Some users note that exchange rates and fees can be less favorable compared with specialized multi-currency platforms. Revolut is appreciated for multi-currency support, low-cost conversions during weekdays, and a broad suite of financial tools, although some users report slower support response times and occasional temporary account holds for security reviews. Overall satisfaction depends on whether the user values remittance speed/access or ongoing banking and currency management features.

Which Provider To Choose

Remitly is ideal for sending money quickly to other countries, particularly when recipients need cash access or fast delivery. Revolut is suitable for users who want to manage multiple currencies, perform frequent conversions, and use additional banking-style features. Evaluate fees, exchange rates, transfer speeds, and the type of support you expect before choosing. If you send occasional remittances with a need for cash pickup, Remitly is often the better fit; if you need an ongoing multi-currency account and card-based spending abroad, Revolut typically offers more value.

Frequently Asked Questions

Are there limits for sending money with remitly or revolut?

Both remitly and revolut impose sending limits that depend on the user’s verification status and the destination country. Providing additional identity documents and proof of address can raise those limits to accommodate larger transfers. Limits may also differ by payment method; card-based payments can have different caps than bank transfers and recurring patterns may prompt further checks. Always review your account’s limits in the app or website before initiating high-value transfers to avoid interruptions.

Which provider offers faster international transfers for US users?

Remitly express is designed to deliver funds within minutes when paid by card, making it among the faster remittance options for urgent transfers. Revolut can offer instant transfers between revolut accounts, while sepa and swift transfers through revolut generally take 1–5 business days depending on the corridor. The exact speed depends on the payout method, destination banking rails, and compliance checks. If immediate recipient access to cash is crucial, remitly express is often faster.

Can you send money from remitly to a revolut account?

Yes, in most cases you can send money from remitly to a revolut account by entering the revolut account’s bank details as the recipient information. Treat a revolut account like any external bank account when configuring the transfer, and confirm the required fields for the destination country (iban, account number, routing codes, etc.). Processing times and intermediary fees may apply depending on whether the transfer uses local rails or swift. Always double-check the account details to avoid delays or misdirected funds.

Which service is safer for U.S. Users?

Both remitly and revolut comply with applicable u.S. And international regulations and implement multiple security measures. Remitly follows pci standards for payments and uses encryption and fraud-detection systems. Revolut uses two-factor authentication, real-time transaction alerts, and one-time virtual card features. Enabling all security features and monitoring account activity are important best practices for either platform.

Which service is better for multi-currency use?

Revolut is specifically built for holding, exchanging, and spending in multiple currencies and generally provides more tools for ongoing multi-currency management. Users can hold balances in many currencies, exchange at competitive rates during weekdays, and spend abroad with a linked card. Remitly’s primary focus is on remittances rather than long-term multi-currency account management, so it is better suited for sending funds rather than serving as a multi-currency wallet. For frequent currency exchange and card usage in different countries, revolut offers a more comprehensive set of features.

Final Thoughts

Remitly and Revolut provide safe and reliable options for U.S. users depending on different priorities. Remitly excels for quick international transfers and flexible payout options, including cash pickup, while Revolut is stronger for ongoing multi-currency account management, card spending, and additional financial tools. Consider fees, exchange rates, transfer speed, recipient access, and support preference when deciding which service fits your needs. Choosing the right platform comes down to whether you need fast remittances or a versatile digital bank.

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Reviewed and edited by Albert Fang.

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Article Title: Remitly vs Revolut: How They Stack Up for Daily Use?

https://fangwallet.com/2025/08/25/remitly-vs-revolut-how-they-stack-up-for-daily-use/

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