About RemitCheck
Why we built this
Every year, more than 800 billion US dollars moves across international borders as remittance. Most of that money is sent by people working in wealthy countries to family in less wealthy ones — Filipinos in the US, Nigerians in the UK, Indians in the Gulf, Mexicans in the US, and millions of others. For many receiving households, remittance from abroad is the single largest source of income.
The remittance industry has historically extracted high fees from these flows. Western Union and MoneyGram dominated for decades, charging 7-12 percent on a typical transfer. The arrival of online-first services like Wise (formerly TransferWise), Remitly, WorldRemit, and Sendwave has cut typical fees to 1-3 percent for many corridors. But choosing between them is genuinely confusing. Fees are quoted differently. Exchange rates are not always transparent. Speed and pickup options vary widely.
RemitCheck exists to make this comparison clear. Tell us where you are sending from, where the money is going, how much, and we show you the receive amount across every major service. Not the fee, which can be misleading — the actual amount in local currency your recipient will collect. That is the only number that matters.
Our methodology
We track published fees and exchange rates for the major remittance services: Wise, Remitly, WorldRemit, Sendwave, Xoom, Remitano, Western Union, and MoneyGram. We also include relevant mobile money cross-border options where they exist. Rates are refreshed daily through provider APIs and public rate sheets. For services without API access, we sample manually at least once per week.
The key calculation is the total receive amount. We take the sender amount, subtract published fees, and multiply by the actual exchange rate the service offers (not the mid-market rate). The result is what your recipient will get in local currency. We rank services by this number, from highest to lowest.
How we stay independent
RemitCheck has affiliate relationships with several remittance services. When you click through to sign up, we may earn a referral commission. These relationships do not affect the comparison rankings — we always show the cheapest option first, even if a more expensive option pays us more.
We also display advertising through Google AdSense. Ads appear in dedicated slots and never influence calculator results or which services we cover.
Who runs RemitCheck
RemitCheck is built by an independent team based in Botswana with backgrounds in fintech and international payments. Several team members have lived in multiple countries and have firsthand experience using various remittance services as both senders and receivers. We have felt the pain of paying too much in fees and getting bad exchange rates — that lived experience shapes how we think about the comparison.
What is coming next
Our 2026 roadmap includes expanding corridor coverage (currently strongest for US-to-Africa, UK-to-Africa, and Gulf-to-South Asia), adding speed comparisons (some services arrive in minutes, others take days), and building a rate alert system so you can be notified when a particular corridor becomes unusually cheap.
Reader feedback drives most of our improvements. If your corridor or service is not well covered, please contact us.