Remitly vs Wise: Sending £500–£10,000 to India from the UK

If you’re comparing Remitly vs. Wise for sending £500–£10,000 to India from the United Kingdom, one question matters most: how many Indian rupees does your recipient get?

When you’re sending a large sum to India, what matters most is how many rupees your family actually receives. It might go towards a home, university fees, a family investment or a big medical bill. At this size, small differences in fees and exchange rates add up. One way to compare is to look at how much INR lands in the recipient’s account.

Both Remitly and Wise help people in the UK send large amounts to India, and both show costs before you confirm a transfer. While Wise showed a slightly stronger exchange rate in our testing, Remitly’s £0 fee on transfers of £500 and above resulted in more Indian rupees being delivered at every amount we reviewed from £500 to £10,000.

Keep reading for our pricing comparison table, full methodology and results.

Quick answer: Remitly vs. Wise for large GBP-to-INR transfers

Based on transfers from £500 to £10,000 sent via bank deposit in India.

Both Remitly and Wise support digital money transfers from the UK to India
Remitly charged a £0 fee at every amount from £500 to £10,000, while Wise’s fees ranged from £2.86 to £46.36*
In the transfer scenarios analysed for this comparison, Remitly delivered more INR at all six amounts tested
The gap grew with the transfer: from ₹249 more at £500 to ₹3,609 more at £10,000
The most reliable way to compare is to check the final rupee amount your recipient receives

*Remitly prices were captured on 28 September 2026 at 17:45 UTC and reflect standard, non-promotional pricing. Exchange rates and fees are subject to change. The amount at the time you send may differ. The mid-market rate can be found here.

Sending large amounts to India with Remitly

Remitly is designed to help people send money internationally in a way that’s simple, secure and flexible.

From the UK, you can fund a Remitly transfer with a debit card, credit card or bank transfer. The payment methods available depend on your transfer amount, so larger transfers may offer a different set of options from smaller ones. Your recipient can receive money through bank deposit or cash pickup, and in some cases UPI. Available options depend on the transfer amount and other transfer details. That range of delivery options can be helpful when convenience matters.

Remitly offers two delivery speed options. Depending on the payment and delivery methods selected, some transfers may qualify for instant delivery, while others can take 3–5 working days.*

For people in the UK sending large amounts to family or friends in India, Remitly is a practical option for everyday needs such as household support, rent, education costs and medical expenses, as well as bigger goals like property purchases and family investments.

*Transfer speed is an estimate depending on factors including payment and delivery method, subject to banking partner operating hours and availability, local laws and regulations, and compliance requirements.

Sending large transfers to India with Wise

Wise is widely known for using the mid-market exchange rate, which is the midpoint between the buy and sell prices in the wholesale interbank market. Some people may prefer to see this rate when they search online for a currency pair. However, it’s important to remember that exchange rates alone don’t tell the whole story, and focusing on the rate rather than the total amount received after fees can be misleading.

For large transfers from the UK to India, Wise supports delivery to Indian bank accounts, UPI, and e-mail.

Remitly vs. Wise for large transfers to India: GBP to INR exchange rate vs. fee

When people compare money transfer services, they often focus on the exchange rate first. If fees were the same across providers, that would make sense. However, Wise and Remitly use different fee structures, so a more complete comparison looks at the total amount paid and the total amount received rather than the exchange rate alone. This matters even more on larger transfers, where a percentage-based fee can add up to tens of pounds.

The total cost of an international transfer usually comes down to two things:

Exchange rate: how many rupees each pound converts to
Transfer fee: the amount taken before the money is converted

Speed can also be an important factor when choosing between Remitly and Wise. With Remitly, most funded transfers arrive in under an hour.** Because delivery times can vary based on factors such as payment method, recipient details and compliance requirements, this comparison focuses on the amount of INR delivered.

**Remitly Q3-26 data: Disbursement speed reflects the time between when Remitly has the customer funds and when the funds are successfully disbursed (e.g., completed or available for pickup).

To compare providers clearly, it’s best to compare the total you pay against the total your recipient receives, because both affect the outcome. The figure to watch: how much INR your recipient actually receives.

In the prices we reviewed on 28 September 2026 for UK-to-India transfers, Wise showed a slightly higher exchange rate. However, Remitly’s fee was £0 at every amount from £500 to £10,000, while Wise’s fees ranged from £2.86 to £46.36. That difference led to a better result for the recipient: more INR. In every tested example from £500 upwards, more rupees were delivered with Remitly.

Remitly vs. Wise: which sends more INR to India from the UK on large transfers?

The table below shows amounts for transfers from the UK to India, delivered by bank deposit.

* The amount you send is your total out-of-pocket cost; any fee comes out of it, and the rest is converted.

You send	£500	£1,000	£2,000	£3,000	£5,000	£10,000
Amount converted with Remitly	£500.00	£1,000.00	£2,000.00	£3,000.00	£5,000.00	£10,000.00
Amount converted with Wise (after fee)	£497.14	£994.86	£1,990.27	£2,985.70	£4,976.54	£9,953.64
Remitly fee	£0.00	£0.00	£0.00	£0.00	£0.00	£0.00
Wise fee	£2.86	£5.14	£9.73	£14.30	£23.46	£46.36
Remitly exchange rate	₹127.0664	₹127.0664	₹127.0664	₹127.0664	₹127.0664	₹127.0664
Wise exchange rate	₹127.2956	₹127.3300	₹127.2956	₹127.2956	₹127.2956	₹127.2956
Rupees your recipient gets with Remitly	₹63,533	₹127,066	₹254,133	₹381,199	₹635,332	₹1,270,664
Rupees your recipient gets with Wise	₹63,284	₹126,676	₹253,353	₹380,067	₹633,492	₹1,267,055
Extra rupees with Remitly	+₹249	+₹390	+₹780	+₹1,132	+₹1,840	+₹3,609

*When sending via bank deposit. The information is based on competitor website(s) as of 28 September 2026. The mid-market rate can be found here. Remitly prices reflect standard, non-promotional pricing captured at 17:45 UTC on 28 September 2026. Remitly was priced with bank transfers; Wise was priced with bank transfers. Rupee amounts are rounded to the nearest rupee. Exchange rates and fees are subject to change. The amount at the time you send may differ.

What the pricing data shows for large transfers

Looking at the pricing data, a few points stand out:

Wise’s exchange rate was slightly more favourable than Remitly’s, but once fees were deducted, the total INR the recipient received was lower than with Remitly at every amount from £500 to £10,000
Remitly’s fee was £0 at every amount tested in this range, while Wise’s fee grew from £2.86 on £500 to £46.36 on £10,000
The difference in INR delivered through Remitly grew as the send amount increased
At the top of the comparison, a £10,000 transfer delivered ₹3,609 more with Remitly

For smaller transfers under £500, Remitly charges a £1.99 fee. In our testing, Wise delivered more INR at £100 and £250, so it’s worth comparing live amounts if you’re sending less.

That’s why it’s important to compare the final amount received, not just one part of the pricing, such as the exchange rate.

Remitly vs. Wise for large transfers to India: side-by-side comparison

Feature	Remitly	Wise
Pay-in options from the UK	Debit card, credit card, bank transfer, Apple Pay, Google Pay (options vary by amount)	Bank transfer, debit card, credit card, swift, Apple Pay, Google Pay, Swift, Wise account,
Pay-out options in India	Bank deposit, cash pickup, UPI,	Bank deposit, UPI email,
Transfer speed	Instant to 3–5 working days*	Typically 2 working days
Exchange rate	Competitive exchange rate	Mid-market rate
Fees for tested GBP to INR transfers (£500–£10,000)	£0 at every tested amount	£2.86–£46.36 across tested amounts
INR delivered in tested amounts (£500–£10,000)	More at every amount tested	Less at every amount tested
Good fit for	Sending large amounts to India when maximising INR delivered and payout flexibility, including cash pickup, matter most	Senders who prioritise the mid-market rate, or who send smaller amounts

Which is better for sending large amounts to India from the UK: Remitly or Wise?

If your priority is getting more INR to your recipient in India on a large transfer, the pricing data in this comparison points to a clear answer: Remitly delivered more rupees at every amount tested from £500 to £10,000.

Remitly may suit you if you want:

More INR delivered at the large amounts we tested (£500, £1,000, £2,000, £3,000, £5,000 and £10,000)
Delivery options beyond bank deposit, including cash pickup and, in some cases, UPI
A choice of transfer speeds
No fees on tested UK-to-India transfers of £500 and above

Wise may appeal to senders who specifically want the mid-market exchange rate and prefer that pricing model.

The key takeaway is simple: don’t stop at the headline rate. Compare the final amount your recipient receives.

How to compare live amounts between Remitly and Wise before you send a large transfer

Before you confirm a large transfer, both Remitly and Wise let you review the total amount your recipient will receive, as well as exchange rate and fee details. That helps you compare with confidence.

Here’s one way to do it:

Enter your GBP to INR transfer details on both Remitly and Wise
Select the same funding and delivery method where possible
Check the fee
Check the exchange rate
Compare the final INR delivered

It only takes a minute, and it gives you the most useful answer.

Bottom line: who sends more INR from the UK to India on large transfers?

Both Remitly and Wise offer digital transfers from the UK to India, and both are transparent about pricing before you send. Based on our comparison of transfers from £500 to £10,000 for bank deposit, Remitly delivered more Indian rupees to recipients in India than Wise.

The reason was simple: while Wise showed a slightly better exchange rate, Remitly’s £0 fee resulted in more INR being delivered, and the gap widened as transfers got larger.

If you’re deciding between the two, start with the figure that matters most: how many rupees your recipient gets.

Methodology: how we compared Remitly vs. Wise

We compared Wise and Remitly using the same total out-of-pocket amount in each of the six large-transfer scenarios (£500, £1,000, £2,000, £3,000, £5,000 and £10,000). Any fee is deducted from the amount sent before conversion, so less money is converted with Wise than with Remitly, which charged no fee in any of these scenarios. Rupees delivered = (amount sent − fee) × exchange rate.

Remitly’s fee and rate are its standard, non-promotional pricing at 17:45 UTC on 28 September 2026. Wise’s fees and exchange-rate margin were captured from its website on 27 September 2026 and applied to the mid-market rate at 17:45 UTC on 28 September 2026, so both providers are compared at the same moment. Fees and rates can differ by payment method.

We also tested £100 and £250. At those amounts Remitly charges a £1.99 fee, and Wise delivered more INR (₹144 more at £100 and ₹94 more at £250).

We believe this method offers a fair comparison because it reflects what matters most: how much the sender pays and how much the recipient receives.

FAQs: Remitly vs. Wise for sending large amounts to India from the UK

Is Remitly or Wise cheaper for sending large transfers to India from the UK?

In our testing, Remitly delivered more INR than Wise at every amount from £500 to £10,000, based on prices captured on 28 September 2026.* Wise showed a slightly stronger exchange rate, but Remitly’s £0 fee meant more INR was delivered overall. For transfers under £500, Wise delivered more INR in our testing.

*Exchange rates, fees, promotions and delivery options are subject to change.

Does Wise use the mid-market exchange rate for large transfers to India?

Wise is known for using the mid-market exchange rate and shows its fees separately. However, the mid-market rate alone doesn’t determine which transfer sends more INR after fees.

Why is the amount received in INR more important than the exchange rate alone for large transfers?

The amount received in INR reflects the true value of a transfer because it takes both the exchange rate and any transfer fees into account. Wise may offer a better exchange rate, but if its fees are higher, the recipient could still receive less money overall. Comparing the final INR amount helps you get the most value from a large transfer.

How fast is Remitly for large transfers from the UK to India?

Remitly transfer speeds range from instant to several working days, depending on the payment method and delivery method.*

Does Wise offer cash pickup in India for large transfers?

Wise supports bank deposit and UPI for India, but not cash pickup.

Should I compare live amounts before sending large amounts to India?

Yes. Fees and exchange rates can change over time. Always check live exchange rates and fees before you send so you can compare the full cost and the final INR amount your recipient will receive.

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