Quick answer: Remitly now offers more ways to pay for a money transfer, including Fast ACH and real-time bank payments in the U.S., wire funding for larger transfers, local methods like PayTo, Interac e-Transfer, and Klarna, and wider Apple Pay support. Available options vary by market and transfer, so always check the payment methods shown for your specific send.
The way you pay for a transfer isn’t just a formality. It can affect how quickly your money moves, whether you can send a larger amount, and how much of a hassle the whole process feels like. Maybe your card has a spending limit that’s lower than what you need to send. Maybe you’d rather pay straight from your bank account instead of typing in card details again. Or maybe you just want to use a payment method you already trust for everyday purchases.
Remitly has expanded its payment options across several markets to make these choices easier. Below, we’ll walk through what’s changed, why it matters, and what to know before you pick a payment method for your next transfer.
Can I pay for a Remitly transfer directly from my U.S. bank account?
If you’re sending from the US, Fast ACH gives you a way to connect your bank account through Plaid and pay directly, without a card. For eligible customers, supported transfers can come with faster delivery options, including instant delivery where it’s offered. That means you can keep the convenience of paying from your bank account without necessarily sacrificing speed.
Remitly has also added FedNow and RTP as real-time bank-funding options. Where your bank participates, you can approve a payment request right from your own banking app. These networks are built to move funding quickly, even outside normal business hours.
A word of caution here: faster funding doesn’t automatically mean your recipient gets the money instantly. How quickly your payment is funded and how quickly it reaches the recipient are two different things. Always check the arrival estimate shown for your specific transfer rather than assuming every bank payment moves at the same speed.
Can I use a wire transfer to send a larger amount?
Sometimes the amount you want to send is simply bigger than what your debit card allows. That’s where wire funding comes in. Remitly provides the payment instructions, and you arrange the wire directly with your bank.
This option can be useful when a card’s spending limit gets in the way of a larger, one-time transfer, like covering a major expense or supporting a family milestone. Because you’re working with your bank’s wire process, it’s worth following the payment and reference instructions carefully so your funds are matched correctly to your transfer. Keep in mind that your bank’s own wire fees, processing hours, and limits may apply, and those are separate from anything Remitly charges.
What local payment methods can I use with Remitly?
Depending on where you’re sending from, you may now be able to pay with a method you already use for everyday purchases:
- PayTo (Australia): You can authorize a payment arrangement through a participating bank, reviewing exactly what you’re approving in your own banking experience.
- Interac e-Transfer (Canada): Available on supported transfers, this brings a familiar Canadian payment method into the sending process. It’s also available as a receiving option on supported transfers to Canada.
- Klarna (Sweden): Where offered, Klarna is available as a way to fund a transfer. It’s worth noting that using Klarna to pay doesn’t automatically make the transfer a buy-now-pay-later purchase—review the terms shown for that option before proceeding.
The advantage of these options isn’t just having more choices. It’s being able to pay the way you’re used to, rather than adapting to a payment method that feels unfamiliar.
Can I use Apple Pay with Remitly?
Apple Pay has expanded beyond the Remitly app to supported mobile-web and desktop journeys, including eligible transfers started through WhatsApp. That means you may be able to authorize a payment without re-entering your card details into the transfer form, no matter where you started the transfer.
Apple Pay is currently used by Remitly customers across 30 sending countries spanning the Americas, Europe, Asia-Pacific, and the Middle East. Whether it shows up as an option for your particular transfer depends on a few factors, including your device, browser, card, and eligibility. The clearest way to know is to check the payment options displayed at checkout for your own transfer.
How do I choose the right payment method for my transfer?
With more options available, it helps to look at the complete picture rather than just the payment method itself. Before you decide, compare:
- The exchange rate offered for that payment method
- Fees attached to the transfer
- Total cost of sending
- The amount your recipient will actually receive
- Expected arrival time
- Any funding or setup steps required on your end
A payment method that’s convenient for a routine, smaller transfer might not be the best fit for a larger or more time-sensitive one. For example, a familiar wallet like Apple Pay could make sense for a quick weekly send, while wire funding might be the better choice when you’re moving a larger amount that exceeds your card’s limit.
The right choice depends on your transfer, not a one-size-fits-all recommendation. Reviewing the details shown for your specific send is the best way to make a confident decision.
Find the payment option that works for you
Payment options continue to expand across markets, but availability always depends on where you’re sending from, your bank, and your specific transfer. The most reliable way to know what’s available to you is to start a transfer and look at the payment methods displayed for it.
See the payment options available for your transfer today.
Frequently Asked Questions (FAQs)
What payment methods can I use with Remitly?
Available payment methods vary by market and by transfer. Remitly has recently expanded options to include Fast ACH, FedNow and RTP in the US, wire funding for larger transfers, local methods like PayTo, Interac e-Transfer, and Klarna, and broader Apple Pay support. For the most accurate answer, check the payment methods displayed when you set up your own transfer.
Can I pay for a Remitly transfer directly from my bank account?
Yes, in some markets. In the US, Fast ACH lets eligible customers connect a bank account through Plaid to pay directly. Where participating banks support it, FedNow and RTP also offer real-time bank-funding options. These aren’t available to every US customer, so check whether your bank supports the relevant experience.
Can I use a wire transfer to send a larger amount?
Yes, where wire funding is available, Remitly provides the payment instructions and you arrange the wire through your own bank. This can help when your card’s spending limit is too low for the amount you want to send. Your bank may apply its own fees, limits, and processing requirements, so it’s worth checking those before you start.
Can I use Apple Pay with Remitly?
Apple Pay is available in supported Remitly journeys, including the app, eligible mobile-web and desktop experiences, and some transfers started through WhatsApp. Whether you see it as an option depends on factors like your country, device, browser, card, and eligibility.
Does a faster payment method mean my recipient gets the money instantly?
Not necessarily. How quickly a transfer is funded and how quickly the recipient receives the money are separate things. Even with a real-time funding option, delivery still depends on the receiving method and any checks required for that transfer. Always check the expected-arrival information shown for your specific send.
