When your business sends money to India or Pakistan, every dollar matters. Whether you’re paying suppliers, contractors, or a remote worker, you want to know your transfers arrive in full — without paying more than you need to in fees.
Wise Business is one of the best-known names in international business transfers. So how does Remitly Business stack up? We ran a direct, like-for-like comparison across send amounts, payment methods, and both corridors. Here’s what the numbers show.
More for them. Less from you.
Use the calculator below to see exactly how much your recipient gets with Remitly Business versus Wise Business, based on your send amount and preferred payment method.
Based on non-promotional pricing information from Remitly Business’ and Wise Business’ websites on June 25, 2026. Any delivery method fees not included. Rates change frequently — check your provider’s live rates at the time of your transfer.
USA to India: Remitly Business Wins Across the Board
For transfers from the US to India, Remitly Business comes out ahead on every payment method — bank transfer, debit card, and credit card — at each send amount we tested ($1,000, $5,000, and $10,000).
Bank Transfer (ACH)
Bank transfers are a popular way to send larger amounts, and the savings here are significant. Based on the information in the calculator above,
| Send Amount | Wise Business Fees* | Remitly Business Fees* | You Save | Extra INR Received with Remitly Business |
| $1,000 | $6.85 | $0 | $6.85 | +248.13 INR |
| $5,000 | $30.32 | $0 | $30.32 | +969.05 INR |
| $10,000 | $59.63 | $0 | $59.63 | +1,842.59 INR |
As you can see here, for example, for a $10,000 bank transfer, Remitly Business saves you over $59 compared to Wise Business — and your recipient gets more than 1,800 extra rupees.
Credit Card
For senders using a credit card, the gap is even larger. On a $1,000 transfer, Remitly Business charges $30 in fees versus Wise Business’ $66.26, with the recipient receiving over 4,800 additional INR.*
Debit Card
Remitly Business also edges out Wise Business on debit card transfers to India. On a $1,000 transfer, Remitly Business charges no fee versus Wise Business’ $17.39 — with both senders paying the same $1,000 out of pocket, but the recipient gets around 205 extra INR with Remitly Business.
* Based on non-promotional pricing information from Remitly Business’ and Wise Business’ websites on June 25, 2026 and is subject to change. Fees for Wise Business reflect total fees (i.e., payment method and service fees).
A Note on Very Large Transfers to India
Wise Business offers volume-based discounts once a business’s transfers to India total $25,000+ in a given month. Our comparisons above reflect standard, non-promotional pricing at individual send amounts up to $10,000. If your business regularly sends at higher monthly volumes, it’s worth checking Wise’s volume pricing directly to see whether it changes the comparison for your situation.
Send business payments to India with Remitly Business →
USA to Pakistan: Strong on Bank and Credit Card
For transfers to Pakistan, if we compare the information shown in the calculator above, Remitly Business is the better choice on bank transfer and credit card at each send amount we tested ($1,000, $5,000, and $10,000).
Bank Transfer
| Send Amount | Wise Business Fees | Remitly Business Fees | You Save | Extra PKR Received with Remitly Business |
| $1,000 | $8.36 | $0 | $8.36 | +1,062.44 PKR |
| $5,000 | $36.95 | $0 | $36.95 | +3,963.12 PKR |
| $10,000 | $72.69 | $0 | $72.69 | +7,589.67 PKR |
*Except where indicated, amounts are in USD. Fees and amounts shown are based on non-promotional pricing information from Remitly Business’ and Wise Business’ websites on June 25, 2026. Fees for Wise Business reflect total fees (i.e., payment method and service fees). Exchange rates and fees change frequently. Check with your provider for current pricing.
For example, as the math here shows, a $10,000 bank transfer to Pakistan saves you over $70 with Remitly Business, with your recipient receiving more than 7,500 extra PKR.
Credit Card
Remitly Business also offers a considerably lower all-in cost for credit card transfers to Pakistan. On a $1,000 transfer, Remitly Business charges $20 versus Wise’s $67.59 — a saving of $47.59 in fees alone — with the recipient receiving over 12,650 PKR more.
*Based on non-promotional pricing information from Remitly Business’ and Wise Business’ websites on June 25, 2026 and is subject to change. Fees for Wise Business reflect total fees (i.e., payment method and service fees)*
Send business payments to Pakistan with Remitly Business →
A Note on Debit Card to Pakistan
We want to be transparent: for debit card transfers to Pakistan specifically, on the day tested (June 25, 2026) Wise Business offered a lower all-in cost than Remitly Business at the amounts we evaluated. If you typically send via debit card to Pakistan, it’s worth comparing both options at the time of your transfer to see which works best for your situation.
Large Amounts to Pakistan
As with the India corridor, Wise Business offers volume-based discounts once a business’s transfers total $25,000+ in a given month. Our Pakistan figures above reflect standard, non-promotional pricing at individual send amounts up to $10,000. If you send at higher monthly volumes, it’s worth comparing Wise’s volume pricing directly for your situation.
Why the Difference?
The gap largely comes down to how each company structures its pricing. Wise charges a “Wise fee”, a fee based on how you pay, and then applies what they refer to as the mid-market rate. Remitly Business’ pricing on bank transfers to these corridors is structured to deliver more to your recipient — with $0 transfer fees on bank transfers to Pakistan when sending $200 and above, $0 transfer fees on bank transfers to India for amounts of $1,000 or more, and competitive FX rates built in.
The mid-market rate may seem intuitively simple, but calculating it can be complex for the average person who may not have access to the same FX market information money transfer providers do. What matters is your all-in cost on each transfer: fee plus FX margin combined.
*See https://wise.com/us/pricing/business/send-money, (“Fees for Sending Money” FAQ) (as of July 7, 2026).
How to Get the Best Rate
- Use bank transfer (ACH) when you can — it’s consistently the lowest-cost option with Remitly Business for both India and Pakistan
- Check the rate at the time of your transfer — exchange rates move daily, and the best way to know your exact cost is to check in-app before you send. Set up an email rate alert for your corridor →
- Compare the “receiver gets” amount, not just the fee — two services can charge similar fees but offer very different exchange rates
The Bottom Line
For businesses regularly sending payments to India or Pakistan from the US, Remitly Business offers meaningfully lower costs on bank transfer and credit card compared to Wise Business. Over the course of a year, those savings add up.
Ready to see what your business could save? Check today’s rate on Remitly Business for India and Pakistan.
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Actual rates and fees will vary based on payment method, send amount, market conditions, and the time of transfer. Always check current rates before sending. Wise Business is a trademark of Wise Payments Limited and is referenced here for informational purposes only.
