Remitly Review: UK to India Money Transfers
Best for fast delivery with multiple payout options
Remitly is a digital remittance service founded in Seattle in 2011, designed specifically for international money transfers. Remitly offers competitive rates and frequent promotions for new users sending money to India.
Live Remitly Rates
Fees & Exchange Rates
Remitly charges a transfer fee plus an exchange rate markup. New customers often get zero fees and a promotional exchange rate on their first transfer.
How You Pay
How They Receive
Transfer Speed
Economy transfers take a few hours. Express transfers via UPI or bank deposit are often instant. Cash pickup is available within minutes.
How to Send Money with Remitly
Download the app
Get the Remitly app or visit remitly.com. Create your account with email.
Enter transfer details
Choose GBP to INR, select delivery method (bank, UPI, or cash pickup).
Pay securely
Pay via bank transfer or debit card. First-time users may get fee-free transfers.
Recipient gets paid
Money arrives instantly via UPI/bank deposit, or pick up cash at agent locations.
Safety & Trust
FCA regulated
FCA Regulated
Remitly is authorised by the Financial Conduct Authority as a payment institution.
Money-Back Guarantee
If your transfer doesn't arrive on time, Remitly will refund the fee.
Bank-Level Encryption
256-bit SSL encryption protects all transactions and personal data.
Identity Verification
KYC checks on all customers to prevent fraud and money laundering.
Pros & Cons
Advantages
- Frequent promotional rates for new customers
- Multiple delivery options including UPI and cash pickup
- Money-back guarantee on eligible transfers
- Fast delivery, with many transfers arriving instantly
- Excellent mobile app experience
Disadvantages
- Promotional rates only available to new customers
- Exchange rate includes a markup over mid-market
- Card payment rates are worse than bank transfer rates
Alternatives to Remitly
Frequently Asked Questions
Our Verdict
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Remitly is an excellent choice for UK to India transfers, especially for those who value delivery speed and flexibility. Instant UPI delivery, cash pickup, and a money-back guarantee set it apart. The main downside is the rate markup versus mid-market providers like Wise.
Best for
Speed-focused senders who want instant delivery via UPI or cash pickup options.
Not ideal for
Rate-sensitive senders who want the absolute cheapest total cost (Wise may be cheaper).
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