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Every February, schools, businesses, and communities across the United States turn their attention to the achievements and history of Black Americans. You might see banners in libraries, special programming on television, or dedicated lessons in classrooms. It is a time of recognition, reflection, and celebration.

However, the origins of Black History Month go much deeper than a simple calendar designation. It began as a bold response to the systematic exclusion of Black narratives from mainstream history books. It was a strategic effort to ensure that the contributions of Black people were not just a footnote, but a central part of the American story.

Understanding the history of this observance helps us appreciate its true purpose. It is not just about acknowledging the past; it is about correcting the record and inspiring future generations. In this post, we will explore how a single week of education evolved into a global movement, the specific themes that guide the celebration today, and how different countries honor this vital history.

The Visionary: Carter G. Woodson

The story of Black History Month begins with Dr. Carter G. Woodson. Born in 1875 to parents who had been enslaved, Woodson worked in coal mines and sharecropped before earning his high school diploma in his twenties. He eventually went on to earn a Ph.D. from Harvard University, becoming only the second Black American to do so (after W.E.B. Du Bois).

Woodson noticed a glaring omission in his studies. The history books largely ignored the Black experience or, worse, misrepresented it. He understood that history was not just a collection of dates and facts, but a tool for identity and empowerment. He famously argued that if a race has no history, it stands in danger of being exterminated.

To combat this, Woodson founded the Association the Association for the Study of African American Life and History, (or ASALH) in 1915. His goal was to promote the serious study of Black history and preserve the records of Black achievements that were being lost or destroyed.

From History Week to a National Observance

In 1926, the goal was not to limit Black history to one week, but to designate a specific time for public schools to coordinate their focus on the topic.

Woodson chose the second week of February for a specific reason. It coincided with the birthdays of two men who were deeply significant to the Black community at the time:

• Abraham Lincoln (February 12): The president who issued the Emancipation Proclamation.
• Frederick Douglass (February 14): The famed abolitionist and orator.

Black communities had celebrated these birthdays for decades. By placing Black History Week during this time, Woodson tapped into an existing tradition but expanded its scope. He wanted the focus to shift from just two men to the broader contributions of the entire race.

The Expansion to a Full Month

For fifty years, Black History Week grew in popularity. By the late 1960s, the Civil Rights Movement had raised awareness of Black identity and the need for educational reform. College students on campuses across the country began demanding more inclusive curricula and started celebrating Black History Month independently.

In 1976, during the United States Bicentennial, the shift became official. President Gerald Ford officially recognized Black History Month, urging Americans to “seize the opportunity to honor the too-often neglected accomplishments of Black Americans in every area of endeavor throughout our history.” Since then, every U.S. president has designated February as Black History Month.

Black History Month Around the World

While the observance began in the United States, the need to recognize Black history is global. Other nations have adopted the celebration, though the timing and origins differ.

Canada

Canada also celebrates Black History Month in February. The history of Black Canadians stretches back to the early 1600s with the arrival of Mathieu Da Costa, a navigator and interpreter.

Despite this long history, official recognition took time. In December 1995, the House of Commons officially recognized February as Black History Month following a motion introduced by the Honorable Jean Augustine, the first Black Canadian woman elected to Parliament. In 2008, the Senate completed Canada’s parliamentary position on the month, thanks to a motion by Senator Donald Oliver, the first Black man appointed to the Senate.

United Kingdom

In the United Kingdom, Black History Month is celebrated in October rather than February. It was first organized in 1987 by Akyaaba Addai-Sebo, who worked for the Greater London Council.

The choice of October was intentional. It connects to African cultural roots, specifically the autumn equinox and the harvest period—a time of plenty and community gathering in many African cultures. Practically, it also marks the beginning of the academic year in the UK. This timing allows schools to engage children with Black history right as their minds are fresh for learning, instilling a sense of pride and identity early in the school term.

The 2026 Theme: A Century of Black History Commemorations

Each year, the Association for the Study of African American Life and History (ASALH) designates a theme for Black History Month to guide reflection, education, and public engagement. The 2026 theme, “A Century of Black History Commemorations,” marks the 100th anniversary of the first Black History Week, established in 1926 by historian Carter G. Woodson.

This theme looks back on a century of organized efforts to study, preserve, and celebrate Black history in the United States and beyond. It highlights how Black History Month evolved from a single week of observance into a nationally and globally recognized commemoration that shapes education, scholarship, and public understanding of Black life and contributions.

The 2026 theme also invites reflection on why these commemorations have been necessary—addressing the historical exclusion of Black history from mainstream narratives—and how they have helped affirm Black identity, resilience, and cultural legacy across generations.

By focusing on a century of remembrance, the theme encourages both institutions and individuals to consider how Black history has been taught, whose stories have been amplified, and how future commemorations can continue to deepen understanding, accuracy, and inclusion.

How to meaningful participate

Observing Black History Month is about more than watching a documentary or posting a quote on social media. It is an opportunity for active engagement and learning.

Educate yourself on the theme

Take time to read about the history of Black labor in your region. Understand the contributions Black workers have made to your specific industry. The ASALH website offers resources and executive summaries that provide deep context for the annual theme.

Support Black institutions

Museums, cultural centers, businesses, and historical societies often rely on donations and visitors to keep their archives open. Visiting institutions like the National Museum of African American History and Culture (NMAAHC) in Washington, D.C., or local Black history museums supports their mission to preserve this history.

Look locally

Black history is happening in every town and city. Research the local history of Black communities in your area. Who were the early pioneers? What businesses did they start? Supporting local Black-owned businesses today is a direct way to contribute to the economic continuity of these communities.

Honoring the Past to Build the Future

Carter G. Woodson created Black History Week with the hope that, eventually, a special designation would not be necessary—that Black history would be seamlessly integrated into American history. While we have made progress, the need to intentionally shine a light on these stories remains.

Black History Month serves as an annual reminder of the resilience, creativity, and labor of Black people. It challenges us to look beyond the famous figures we already know and uncover the countless other stories that have shaped our world. By understanding the past more fully, we are better equipped to build a more inclusive and truthful future.

Frequently Asked Questions (FAQs)

Why is Black History Month in February?

Black History Month is celebrated in February to honor the birthdays of both Abraham Lincoln, who issued the Emancipation Proclamation, and Frederick Douglass, a prominent abolitionist and advocate for civil rights, both of which fall in this month. February was chosen by historian Carter G. Woodson.

What is the 2026 theme for Black History Month?

The official theme for Black History Month 2026 is “A Century of Black History Commemorations,” which honors the 100-year legacy of Black history observances since the first Black History Week and highlights how these commemorations have shaped the understanding and teaching of Black history and culture.

How is Black History Month celebrated globally?

While Black History Month is primarily observed in the United States, similar celebrations occur in other countries such as Canada and the United Kingdom. These observances include educational programs, cultural events, exhibitions, and discussions aimed at exploring the contributions and heritage of African-descended communities in their respective nations.

What is the importance of Black History Month?

Black History Month is a time to reflect on and honor the achievements and sacrifices of African Americans throughout history. It fosters a deeper understanding of past injustices and how they shape the present, while also inspiring ongoing work towards equality, inclusion, and social justice.

Have you ever considered sending money to yourself as a smart financial move? Although people often associate international transfers with helping friends and family, there are many situations where a money transfer to yourself makes perfect sense. From moving savings to paying expenses abroad, self-transfers can help you stay in control of your finances.

Managing finances across countries can get complicated, especially when dealing with multiple bank accounts, currencies, and fees. That’s why we’ve created this guide at Remitly to show you when sending money to yourself is a smart financial move. You’ll discover key scenarios where a self-transfer can help you make confident financial decisions.

Moving to a new country

Relocation often comes with unexpected financial challenges. Before your local bank account is fully set up, you may need to cover essential expenses like a security deposit, first month’s rent, utilities, furniture, groceries, and transportation.

Sending money to yourself before or shortly after you move helps ensure you have funds when you need them. Instead of relying on credit cards, which often have costly foreign transaction fees, or carrying large amounts of cash, you can receive money directly in the local currency by sending money to yourself via international transfer.

Self-transfers help reduce the stress of handling currency exchange upon arrival. You can get funds delivered in the local currency directly to your new bank account or another trusted payment method.

Having funds available early helps you cover your initial expenses and reduce stress during an already busy time. To prevent delays, send money abroad a few days before departure. This allows time for processing, giving you the flexibility to focus on settling into your new home instead of worrying about money. 

Managing two bank accounts

Many people have bank accounts in more than one country, such as expats, international students, or those with business or family ties abroad. Using different banks and currencies can make it harder to pay bills, manage daily expenses, and track balances.

Without a reliable way to move money between accounts, you risk delays, extra fees, or unfavorable currency conversions.

International money transfers to yourself provide a simple and efficient solution. They make it easier for you to transfer funds between your accounts, pay bills or tuition on time, and consolidate your finances for a clearer overall view. They help you plan recurring expenses effectively.

Compare exchange rates and transfer fees to maximize the amount you receive. Choose a service with fast processing times to ensure your funds arrive exactly when you need them.

Traveling for an extended period

For long-term travelers, digital nomads, or anyone on an extended holiday, relying only on a home bank card or carrying large amounts of cash can be risky. High international withdrawal fees can quickly reduce the value of your money. Limited access to funds can also lead to financial setbacks, making everyday expenses harder to manage abroad.

Sending money to yourself while traveling gives you flexibility. You can transfer money to a local bank account, a mobile wallet, or a pickup location for easy access to cash. This helps reduce the risk of theft while traveling, and it helps you keep your travel budget under control and avoid unexpected expenses.

Consider splitting funds across multiple accounts or pickup points to ensure access in case of emergencies. This allows you to continue spending even if one account or pickup location experiences delays or technical issues.

Supporting a future purchase

If you’re planning a major purchase abroad, whether it’s property or a car, having funds available in the right country ahead of time is crucial. Waiting until the last minute to send money abroad can result in delays or unexpected fees, which can impact your budget and timing.

International money transfers to yourself on a scheduled basis provide several advantages:

• Accumulate funds gradually over time without stress.
• Reach your saving goals more efficiently.
• Reduce last-minute financial pressure.
• Adjust transfer amounts based on market trends to maximize value.

Setting up recurring transfers and tracking exchange rates helps you steadily build the funds you need. Keeping records of each transfer, including fees and converted amounts, makes budgeting easier and provides proof of funds for large purchases.

Using a simple spreadsheet or a financial app, such as You Need A Budget (YNAB), to monitor progress helps you stay on track toward your goal.

Repatriating income or an inheritance

If you earned income abroad or received an inheritance in another country, you need a reliable way to bring that money home. Handling large sums through informal channels can be risky, with potential delays or lost funds causing unnecessary stress. Using a formal transfer method ensures your money moves safely while complying with banking regulations.

Sending money to yourself through a transfer service offers several benefits:

• Provides a secure, traceable, and documented way to move funds to your home account
• Helps ensure the safe arrival of your money
• Maintains clear records for legal purposes  
• Lets you track the transfer from start to finish
• Sends notifications or alerts when funds are received

Once your funds have been safely transferred, consolidating them in a single account can make managing your finances much easier. It also gives a clearer picture of your financial situation, making it easy to plan and make informed investment or spending decisions.

Simplifying financial proof for visas or applications

Many visa applications, rental agreements, and education programs require proof that you have readily available funds in your destination country. When your money is held overseas, providing clear documentation can be tricky, especially if institutions are unfamiliar with foreign banks or currencies. 

International money transfers to yourself help simplify financial verification by:

• Creating clear, easy-to-review transaction records
• Showing accessible funds in a local bank account
• Making it easier to provide authorities, landlords, or schools with proof of your finances
• Reducing follow-up questions and delays during the application process
• Helping applications move forward more smoothly and confidently

Keep copies of transfer confirmations and recent bank statements together, as organized records can speed up approvals. Storing digital backups in a secure folder also ensures you can access documents quickly if requested on short notice.

Simplifying tax and financial reporting

Managing money across multiple countries doesn’t have to be complicated, even when you’re dealing with different currencies, banking systems, and reporting requirements. Sending international transfers to yourself can make tax filing less complicated, decrease the risk of errors, and simplify the tracking income and expenses.

Transferring money to yourself and centralizing funds can help create more organized financial records. With fewer accounts to review, it becomes easier to monitor transactions, prepare reports, and work with accountants or financial advisers.

Clear documentation from transfers can also be useful during audits or financial reviews, reducing stress and saving time.

Preparing for a return home

Returning to your home country after living or working abroad can be stressful, and moving all your money at once adds extra risk. Last-minute transfers may be affected by bank limits or processing delays, making an already busy transition more complicated.

Gradually transferring money to yourself helps you:

• Rebuild savings at home gradually
• Cover resettlement costs like housing, utilities, and daily expenses without stress
• Take advantage of favorable exchange rates by spreading transfers
• Maintain control over your finances and plan your budget effectively
• Make the return process smoother, reducing financial pressure, and letting you focus on settling in comfortably

Setting up a local bank account before you move ensures you can receive funds quickly and avoid delays. Choosing an account with low fees and easy online access makes managing your money more convenient during this transition.

Sending money to yourself is a smart move

Transferring money to yourself can be a practical solution in many situations. Whether you’re relocating to a new country, managing multiple bank accounts, traveling for an extended period, saving for a major purchase, or repatriating income or inheritance, self-transfers give you reliable access to your funds. They are secure, convenient, and ensure your money is available when and where you need it.

Using a trusted money transfer service simplifies managing your international finances. By planning ahead and sending money to yourself, you maintain control over your finances across borders.

Ready to take charge of your global money management? Learn more about sending money with Remitly.

FAQs

Is it legal to send money to myself internationally?

Yes, sending money to yourself across borders is generally legal. It’s considered a personal transaction instead of a gift or payment to someone else. Just make sure you follow the regulations in both the sending and receiving countries to stay compliant.

What documents do I need to send money to myself?

Most services require a valid ID, proof of your bank account, and sometimes proof of your address. For larger transfers, additional verification may be needed. Having your documents ready helps the process go smoothly and prevents delays.

Are there limits on how much money I can send to myself?

Transfer limits vary by provider and by country. Some services allow smaller daily amounts, while larger sums may require extra verification or approval. You may consider splitting a large amount into multiple transfers to avoid delays. Always check your provider’s rules before initiating a transfer. 

Will I have to pay taxes on money I transfer to myself?

Typically, transferring money between your own accounts isn’t taxed as income. However, very large transfers may need to be reported to authorities for monitoring. Keeping clear records of where the money came from can make reporting much easier. It’s smart to review local tax regulations to ensure full compliance.

How long does it take for the money to arrive?

Transfer times depend on the service and countries involved. Some transfers are instant, while others may take a few business days. Processing time can also vary based on weekends, holidays, or additional security checks. Using a reliable provider ensures your money arrives safely and on time.

Can I use different currencies in a self-transfer?

Yes, most international money transfer services let you send funds in one currency and receive it in another. This can help you benefit from favorable exchange rates. Always check for conversion fees beforehand to understand the total cost of your transfer.

Whether you’re sending money to loved ones back home or paying your bills abroad securely, figuring out how payments work in a new country can feel confusing at first. Even simple options can come with rules you didn’t expect.

Money orders are a safe and widely accepted way to send payments in the US, especially if you don’t have a bank account or prefer not to use cash or checks. But they do come with some restrictions. Most notably, the money order limit, which caps the amount of money that can be placed on a single order.

These limits aren’t random. They exist to prevent fraud, protect customers, and comply with US financial regulations. Understanding them ahead of time can save you stress, extra fees, or an unexpected trip back to the counter.

This Remitly guide breaks down exactly how much you can send via money order, how these limits vary by provider, and what to do if you need to send more. By the end, you’ll know exactly what to expect and feel confident handling your next money order.

How much money can you send by money order?

In the US, most money order providers cap a single money order at $1,000 USD. This is the standard limit for most popular providers, like the United States Postal Service (USPS), Western Union agents, and many other retailers.

When buying money orders, you’ll usually hear two types of limits:

• Per-item limit: The maximum amount allowed on one money order (typically $1,000)
• Daily limit: The total amount you’re allowed to purchase in one day, which varies by provider

While you can often buy multiple money orders in one visit, daily limits aren’t universal. Some locations allow totals of several thousand dollars, while others may cap purchases lower or require additional verification once you pass a certain amount. 

For example, if you need to send $2,500, you’d usually buy two money orders for $1,000 and one money order for $500. However, once your total purchase reaches a higher threshold, often around $3,000 in a single day, you may be asked to show a government-issued ID and complete a short form. This is normal and required under US financial regulations.

Because each money order comes with its own fee, understanding both per-item and daily limits can help you plan ahead. It allows you to estimate the total cost and make sure you bring enough funds before getting to the counter.

Why do money order limits exist?

Money order limits aren’t random. They exist to protect customers, businesses, and the wider financial system, while helping providers comply with US regulations.

One key reason is fraud prevention and anti-money laundering (AML) compliance. Under the Bank Secrecy Act (BSA), businesses that sell money orders must monitor certain transactions and collect information when purchases exceed specific thresholds. Setting limits on individual money orders makes it easier to flag unusually large or suspicious activity without creating extra hurdles for everyday users.

Limits also make sense from a practical and safety standpoint. Many convenience stores and retailers keep lower caps to reduce the amount of cash on site, which helps protect staff and customers from theft.

Finally, these limits also protect you as a consumer. Because money orders are prepaid and physical, keeping their value lower can reduce potential losses if one is lost, stolen, or misused.

What if you need to send more than $1,000 with a money order?

If you need to send more than the $1,000 per-item limit, the solution is usually straightforward: purchase multiple money orders. This is a common and widely accepted practice, and expected by most providers and recipients.

That said, it’s a good idea to factor in fees when you’re buying multiple money orders. Each order comes with its own processing fee, which typically ranges from $1 to $5 depending on where you buy it. This can add up quickly if you’re sending multiple payments.

There’s also an important reporting threshold to be aware of. When your total money order purchases reach $3,000 or more in a single day at the same provider, you’ll typically be asked to:

• Show a government-issued photo ID
• Provide basic personal information for a required record or form

This is a normal part of US financial regulations and doesn’t mean there’s anything wrong with your transaction.

For very large amounts, you might want to consider alternatives to money orders, like a wire transfer or a cashier’s check. These solutions let you send more money with more reasonable fees, saving you time and money.

Reporting requirements for larger money orders

Under the Bank Secrecy Act, money order providers are required to collect additional information when a customer purchases $3,000 or more in money orders in a single day at a single location or provider. This usually involves completing a transaction record and verifying your identity.

It’s essential to know that intentionally trying to avoid these requirements by splitting purchases across locations or transactions on the same day is known as structuring, and it’s not allowed. Providers are trained to look for patterns that suggest this, such as multiple purchases just below reporting thresholds.

The safest and easiest approach is simply to be transparent, bring valid ID if you expect to exceed reporting limits, and ask the provider about their specific policies before you buy.

Common money order limits by provider

Money order limits can vary depending on where you buy them. Knowing the typical caps set by different providers can help you choose the most convenient option and avoid surprises at the counter.

USPS (United States Postal Service)

USPS money orders are among the most widely used and trusted options in the US. For domestic money orders, the maximum amount per money order is $1,000.

USPS fees are generally low and based on the value of the money order. You can usually pay with cash or a debit card, but credit cards are typically not accepted for money order purchases.

It’s also worth noting that USPS stopped selling international money orders in October 2024. Today, USPS money orders can only be used for payments within the United States.

Retailers and grocery stores

Many large retailers sell money orders through partnerships with companies like Western Union and MoneyGram.

Walmart is one of the most popular places to buy money orders. It usually offers a $1,000 per-item limit, with fees often $1 or less, depending on the location. Its wide availability makes it a convenient option for many people.

Other retailers might set different limits and fees for money orders. For example, grocery chains like Kroger and Safeway often follow the $1,000 standard, while convenience stores like 7-Eleven typically cap money orders at $500.

One major advantage of using retailers to write money orders is their extended hours. Many are open early mornings, late evenings, and weekends, making it easy to send a money order outside traditional banking hours.

Banks and credit unions

Bank and credit unions typically offer money orders to their account holders. In most cases, the per-item limit is $1,000, although some institutions may allow higher amounts based on their internal policies. 

Getting a money order from your bank can be convenient because the funds are withdrawn directly from your account (no need to withdraw cash or use your debit card). Some banks also offer reduced fees or free money orders for premium or long-term customers.

However, bank-issued money orders often come with higher fees, commonly ranging from $5 to $10 per order. Because of this, they’re not always the most cost-effective option for smaller payments.

Money transfer agents

Western Union and MoneyGram are two major money transfer companies in the US. They have thousands of agent locations across the country, which you’ll often find in convenience stores, pharmacies, as well as dedicated stores and kiosks.

At agent locations, the per-item money order limit is usually around $1,000, but it can vary depending on the specific location and provider. Fees and daily limits may also differ, so it’s a good idea to check ahead if you’re planning to send a larger amount.

These agents are especially helpful if you or the recipient lives in an area without easy access to a bank or post office, making them a practical option for many customers.

Send money orders with confidence

No matter where you buy a money order, whether it’s from USPS, your bank, or a local retailer, the per-item limit is usually $1,000. Knowing this ahead of time makes it easier to plan your payment and avoid delays at the counter.

If you need to send more than $1,000, you can simply purchase multiple money orders. Just be sure to bring cash or a debit card, as well as a valid form of photo ID if you’re planning to buy $3,000 or more in a single day.

Before heading out, it’s a good idea to double-check the fees and limits at your chosen location. A quick check can save you time, avoid unnecessary surprises, and help ensure your transaction goes smoothly from start to finish.

FAQs

Does the money order limit include the fee? 

No, the limit only applies to the face value of the money order itself. Fees are paid separately. When you purchase a $1,000 money order at USPS, you’ll pay $1,000 plus the applicable fee. Keep in mind that you might be charged extra fees if you don’t cash a money order within a specified period.

Are international money order limits different? 

Yes, international money orders typically have lower limits than domestic ones. USPS international money orders were capped at $700, but the service was discontinued in October 2024. 

Can I cash a money order for any amount? 

You can typically deposit a money order of any amount into your bank account without any issues. If you want to cash a money order at a retail location, you might be limited by the store’s policies or how much cash they keep on hand. Some retailers limit cash-outs to $1,000 to $2,000 per day for this reason.

Key Highlights

• An annual salary of $60,000 breaks down into a gross biweekly paycheck of $2,307.69.
• Your take-home pay will be lower than your gross pay due to mandatory tax deductions.
• Federal taxes, FICA (Social Security and Medicare), and state taxes are the primary deductions.
• Voluntary deductions for health insurance and retirement contributions also reduce your biweekly paycheck.
• Your yearly income can also be viewed as an hourly wage, which is approximately $28.85 per hour.
• Using a salary calculator can help you estimate your net pay based on your specific financial data.

Understanding a $60,000 Annual Salary

Earning a $60,000 annual salary is a significant milestone. This figure represents your gross pay, which is the total amount of money you earn before any taxes or other deductions are taken out. Your yearly salary is the starting point for understanding your finances, but it’s not the amount you’ll see deposited into your bank account.

So, what does each paycheck look like if you’re paid biweekly on a $60,000 salary? Before taxes and other withholdings, your gross pay for each of the 26 paychecks you receive per year would be about $2,307. This income level provides a solid base, but the final take-home amount will vary.

What Does a $60,000 Salary Mean in the United States?

A $60,000 annual income places you near the national average. For perspective, the U.S. median household income was $77,719 in 2023. While your salary is a bit below this median, it’s a very common income level for many individuals across the country. How comfortable this salary is depends heavily on where you live, your lifestyle, and your financial obligations.

Is it normal for your biweekly payments to seem lower than you expect? Absolutely. When you calculate your pay by simply dividing $60,000 by 26 paychecks, you are only looking at the gross amount. You are not accounting for the various deductions that are legally required to be taken from your pay.

These deductions include federal and state income taxes, Social Security, and Medicare, which significantly reduce the final amount. Understanding these deductions is key to managing your budget and financial expectations. A paycheck calculator can be a useful tool to get a clearer picture of your net pay.

How Many Hours and Weeks Are Typically Worked in a Year?

A standard full-time job in the United States is based on a 40-hour workweek. Over the course of a year, this typically adds up to 2,080 working hours. This number is calculated by multiplying 40 hours per week by 52 weeks in a year. This is the standard figure most employers use to calculate salary and hourly wages.

This structure directly influences your pay schedule. The frequency of your paychecks determines the size of each one. Common pay schedules include weekly (52 paychecks), biweekly (26 paychecks), semi-monthly (24 paychecks), and monthly (12 paychecks). The more frequent the pay period, the smaller each individual paycheck will be.

If you earn a $60,000 salary and are paid biweekly, you can expect to receive 26 paychecks throughout the year. This is one of the most common pay frequencies. Knowing the number of pay periods is the first step in breaking down your annual salary into a more manageable paycheck amount.

Breaking Down $60,000 Per Year Into Biweekly Pay

Let’s look at how your $60,000 annual salary translates into biweekly pay. The calculation for your gross pay is straightforward. Since a biweekly pay schedule means you get paid every two weeks, there are 26 pay periods in a year. To find your gross biweekly income, you simply divide your annual salary by 26.

This initial number gives you the starting point before any money is withheld. However, this isn’t your take-home pay. Various deductions will be subtracted from this amount to determine your final net pay. Next, we will explore the exact calculation and what other deductions will affect your paycheck.

Gross Biweekly Pay Calculation for $60,000 Annually

If you make $60,000 a year, how much do you get paid every biweekly paycheck before taxes? The math is simple: divide your $60,000 annual income by the 26 biweekly pay periods in a year. This results in a gross pay of $2,307.69 per paycheck. This is the total amount you earn before any deductions are made.

It’s helpful to see how this compares to other common pay frequencies. Depending on your employer’s payroll schedule, your gross pay per period will change, even though your annual income remains the same. A salary calculator can help you see these differences easily.

Here’s a quick breakdown of your gross pay based on different pay schedules for a $60,000 annual salary:

Pay Frequency	Pay Periods Per Year	Gross Pay Per Paycheck
Weekly	52	$1,153.85
Biweekly	26	$2,307.69
Semi-monthly	24	$2,500.00
Monthly	12	$5,000.00

Other Deductions That Impact Biweekly Income

Your gross biweekly pay of $2,307.69 is not what you’ll see in your bank account. Various deductions reduce this amount to your final take-home pay. These deductions are mandatory withholdings for taxes as well as voluntary contributions for benefits and savings.

What other deductions can affect your biweekly pay? The most significant are federal and state income tax, FICA taxes for Social Security and Medicare, and pre-tax contributions for things like health insurance and retirement accounts. We’ll examine these deductions in more detail.

Common Federal and State Tax Deductions on Your Paycheck

The largest deductions from your paycheck are typically taxes. Your employer withholds money for federal, state, and sometimes local taxes. The amount withheld for federal taxes depends on the information you provide on your W-4 form, such as your filing status and number of dependents. These funds go toward your annual income tax liability.

In addition to income taxes, FICA taxes are also mandatory. FICA stands for the Federal Insurance Contributions Act, and it funds Social Security and Medicare. These taxes are a set percentage of your earnings.

• Social Security Taxes: Your employer withholds 6.2% of your income for Social Security, up to an annual income cap ($168,600 for 2024).
• Medicare Taxes: 1.45% of your income is withheld for Medicare, with no income limit.
• State and Local Taxes: Depending on where you live, you will also have state income tax and potentially local taxes deducted from your pay.

So, what is your biweekly take-home pay if your annual salary is $60,000 after taxes? It’s impossible to give one exact number, as it depends on your state’s tax brackets, your filing status, and other deductions. However, after these taxes, your net pay will be considerably less than your gross pay of $2,307.69.

Health, Retirement, and Other Payroll Deductions

Beyond taxes, you may have other payroll deductions for benefits offered by your employer. These are often called voluntary deductions because you choose to participate in them. Common examples include contributions for health insurance premiums, retirement accounts like a 401(k), or savings plans.

These deductions are typically made on a pre-tax basis, which means the money is taken out of your paycheck before income taxes are calculated. This lowers your taxable income, potentially reducing the amount of tax you owe.

• Health Insurance: The portion of the premium you pay for medical, dental, or vision coverage.
• Retirement Accounts: Contributions to a 401(k) or 403(b) plan.
• Other Pre-Tax Accounts: Money set aside in a Health Savings Account (HSA) or Flexible Spending Account (FSA) for medical expenses.

Can you increase your biweekly take-home pay on a $60,000 salary? Yes. You can adjust your voluntary deductions. For example, reducing your 401(k) contribution will increase your net pay. You can also adjust your W-4 withholdings, but be careful not to underpay your taxes, as you could owe a large sum when you file your tax return.

Calculating Hourly Wage From a $60,000 Salary

Thinking about your annual salary in terms of an hourly wage can offer a new perspective on your earnings. It helps you understand the value of your time and makes it easier to compare your job to hourly positions. Can you calculate your hourly wage if you earn $60,000 per year? Yes, and the process is quite simple.

Assuming a standard 40-hour workweek and 52 weeks in a year, you can easily convert your salary into an hourly rate. This calculation gives you a baseline figure to understand your compensation on an hour-by-hour basis.

How to Convert Your Annual or Biweekly Pay to an Hourly Rate

To convert your $60,000 annual salary to an hourly wage, you can follow a simple two-step process. This is based on the standard of 2,080 work hours in a year (40 hours/week x 52 weeks/year).

• First, divide your annual salary by the number of weeks in a year: $60,000 / 52 = $1,153.85 per week.
• Next, divide your weekly earnings by the number of hours you work per week: $1,153.85 / 40 = $28.85 per hour.

Your hourly wage for a $60,000 salary is approximately $28.85. This number represents your gross hourly earnings before any taxes or deductions are taken out.

You can also use an online salary calculator to quickly figure out your biweekly pay from a $60,000 salary. Simply enter your $60,000 annual income, select “biweekly” as the pay frequency, and input your tax filing information. The tool will then estimate both your gross and net pay per pay period.

Why Your Biweekly Payments Might Seem Lower Than Expected

It is completely normal for your biweekly payments on a $60,000 salary to seem lower than you might initially calculate. The difference between your gross pay and your net pay can be surprising if you’re not prepared for it. The primary reason for this discrepancy is the variety of deductions taken from your paycheck.

Your employer is required to withhold money for federal income taxes, Social Security, and Medicare. On top of that, most states and some cities impose their own income or local taxes, further reducing your take-home pay. These tax withholdings are the biggest reason your paycheck is smaller than the gross amount.

Additionally, any pre-tax contributions you make for benefits like health insurance or a 401(k) are deducted before you receive your pay. While these deductions lower your immediate take-home income, they also lower your taxable income and help you save for the future. What’s left after all these deductions is your net pay, which is the actual amount deposited into your account.

Frequently Asked Questions

If I make $60,000 a year, what will my biweekly paycheck look like after taxes?

Your biweekly paycheck after taxes will vary based on your filing status, number of dependents, state and local taxes, and any pre-tax deductions. After accounting for federal income taxes and FICA, your spendable income will be significantly less than the gross amount of $2,307.69.

How does living in a different state impact my $60K biweekly pay?

Your location has a major impact on your take-home pay. Each state has a different income tax rate, and some states have no state income tax at all. A high state or local tax rate can reduce your biweekly pay significantly compared to living in a state with lower or no income tax.

Can I increase my biweekly take-home pay on a $60,000 salary?

Yes, you can increase your biweekly take-home pay by adjusting your voluntary deductions, such as reducing contributions to retirement accounts. You can also adjust your W-4 tax withholdings, but consult a professional advisor to ensure you don’t owe taxes at the end of the year.

Thinking about retiring somewhere sunnier and more affordable? You’re not alone. Beautiful Panama is emerging as a top destination for US retirees thanks to its warm climate, affordable cost of living, and accessible Panama Retirement Visa. The visa has a simple application process, as well as significant incentives and rewards.

At Remitly, we want to support you as you make big moves, whether you’re starting a new job abroad or planning your golden years. Below we cover everything you need to know about retiring in Panama, including eligibility criteria, how to apply, application costs, and benefits linked to the visa.

What is the Panama Pensionado Visa?

The Panama Pensionado Visa, also known as the Panama Retirement Visa, is a residency permit that allows you to retire in Panama for life, so long as you have a lifetime pension or annuity of at least $1,000 USD per month. The visa lets you start your next chapter in a new country, and can be a pathway to citizenship. The only residency requirement is that you spend at least one day in Panama each calendar year.

The visa was launched in 1987 to attract foreign retirees to spend their pension in Panama, giving a boost to the local economy. Panama also offers a variety of incentives to choose it as a retirement destination, such as discounts on doctors’ bills and hotel bookings.

The visa reportedly has a 97% approval rate, and almost 2,000 were granted in 2024.

Key benefits of the Panama Retirement Visa

If you qualify for the Panama Retirement Visa, you can legally live in Panama, with its ideal climate and stunning natural beauty, with a Panamanian ID card (Cédula) and all its associated rights. The main restriction is that you can’t work in Panama.

The local cuisine might be enough to tempt you to move to Panama, but the visa also comes with many additional benefits, offered by the Panamanian government to attract foreign retirees.

These are some of the most significant savings they offer:

• No import tax on the household goods you bring to Panama
• No import tax for a new car, up to once every two years
• 25% discount on utility bills
• 25% discount on airline tickets
• 30% discount on other types of transportation
• 15% discount on loans made in your name
• 1% discount on the mortgage for your personal residence
• 20% discount on doctor’s bills
• 15% discount on hospital services when insurance does not apply
• 15% discount on dental and eye exams
• 10% discount on medicines
• 20% discount on bills for professional and technical services
• 50% discount on entrance to movie theatres and cultural and sporting events
• 50% discount on hotels from Monday to Thursday
• 30% discount on hotels from Friday to Sunday
• Potential pathway to citizenship after five years of continuous residency

Panama already enjoys a lower cost of living than the US, and these additional benefits help make it even more affordable for retirees. We’ve also put together a practical guide to retiring abroad to help you calculate your cost of living.

Am I eligible for the Panama Retirement Visa?

As long as you’re over the age of 18, there’s no minimum age requirement for the Panama Retirement Visa. The main eligibility criterion is that you have a lifetime monthly pension or annuity of at least $1,000 USD per month, which can be from a government or private pension. Your pension won’t be taxed in Panama.

If you choose to purchase a property in Panama worth at least $100,000 USD, your monthly income requirement drops to $750 USD.

You can bring dependents with you, including your spouse and dependent children under the age of 25, which increases the minimum income requirement by $250 USD per person.

If you meet the financial requirements, you’ll also need to show that you’re in good health, with a health certificate issued by a Panamanian doctor, and prove that you’re considered a person of good character, with police certificates from every country you’ve lived in for the last five years.

How to apply: a step-by-step guide

Now you know that you qualify, you’re one step closer to a sunny retirement. This is when the application process starts.

The application requires traveling to Panama and commissioning a Panamanian Lawyer—this might sound daunting, but in practice it should be fairly straightforward. It’s a good idea to understand how the whole process works, so you can be prepared and know exactly what you need to do in advance.

Step 1: Hire a Panamanian lawyer

Your visa application must be submitted by a lawyer in Panama, so it’s a good idea to do your research and find one with experience in visa applications and fluency in your language. This way they’ll be familiar with the process, and you can avoid any potential issues.

Step 2: Gather required documents

While you’ll need relatively few documents to complete your application, they need to be fully certified by the issuing body. A Consulate or Embassy of Panama will also need to make authenticated copies, so make sure you allow time for this to happen. In the US, the cost of authenticating documents is $30 USD per document.

Required documents include:

• Your birth certificate
• Marriage and birth certificates, if applicable, to demonstrate your relationship with dependents
• Proof of retirement income
• Police certificates for countries you’ve lived in over the last five years

Step 3: Travel to Panama

You’ll need to travel to Panama to get the rest of your documentation, meet with your lawyers, and submit your application. If you’re a US passport holder, you can travel to Panama visa-free with a valid passport and round-trip ticket. You should allow time to be in Panama for at least five business days.

When you arrive in Panama, visit the Immigration Office in Panama City to collect a Registration Form in person and register your passport.

While you’re in Panama, you’ll need to visit a local doctor for a health checkup so they can confirm you’re in good health. Your lawyer should be able to help with this process.

You’ll also need to work with your lawyer to craft a sworn statement about your personal background to accompany your application.

Step 4: Submit the application

Once these steps are complete, you can submit your application. Your lawyer will organize this with the Immigration Office, but you’ll need to be present to sign the documents when the application is submitted. This is when you’ll be asked to pay the $250 USD application fee per person, and a $800 USD migration and repatriation deposit.

Once you’ve submitted your application, it is estimated to take 30 to 60 business days to be processed.

Step 5: Receive your temporary and permanent residency cards

When your visa is approved, you’ll receive a multiple-entry temporary residency card valid for a year. This lets you travel back to Panama, and once there, you can apply for your permanent residency card by making an appointment with the Electoral Tribunal in Panama City. The cost is $100 USD, and your card usually takes 7 to 15 days to arrive.

Your path to a peaceful retirement in Panama

There are many reasons why you might be looking to retire abroad, principal among them being a more laidback lifestyle and a more affordable cost of living. Panama offers both of these in spades, plus their Pensionado Visa is affordable for anyone with a stable pension. It’s also relatively easy to apply for.

Panama has also gone out of its way to open its doors and make itself attractive to pensioners with significant discounts and benefits. So, if you’re thinking of retiring overseas, consider putting Panama on your list.

Prepare yourself for the big move with our ultimate guide to moving to Panama.

FAQs

Can I work in Panama with the Pensionado visa?

No, the Panama Pensionado Visa does not include the right to work in Panama. If you want a job, you’ll need to apply for a separate work permit. However, you can work for yourself or work remotely for a foreign company while on the visa.

How long does the application process take?

Once you’ve found a Panama lawyer to assist with your application, you can expect the process to take between four and six months, including at least one trip to Panama.

Do I have to live in Panama to keep my residency?

You don’t have to live in Panama full-time to maintain your residency, but you must spend at least one day each calendar year in the country. If you’re out of Panama for more than 24 months, your visa will expire.

Can I apply for Panamanian citizenship?

Yes, after five years of permanent residency in Panama on the Pensionado program, you can apply for citizenship. You’ll need to complete certain tests as part of the application process, such as a Spanish test and a history test. And yes, Panama recognizes dual citizenship.

Argentina is a vast and diverse country with rich cultural influences and a wide range of landscapes. It stretches from subtropical rainforest in the north to glaciers and mountains to the south, and its cities reflect centuries of immigration, trade, and political change.   

If you’re planning a trip, learning about the most important landmarks in Argentina can help you better understand its history and geography. Many of these locations are a major part of its national identity and attract both locals and international visitors.

In this Remitly guide, we provide an overview of some of the most recognizable Argentinian landmarks. You’ll find a mix of natural wonders and cultural sites, along with simple tips to help you plan a visit and learn more about what makes each place special.

Natural wonders of Argentina

Argentina is home to some of the most breathtaking natural landmarks in the world. Its huge size means you can experience everything from towering mountains to lush jungles, fertile grasslands to vibrant wetlands. Not only do these sceneries look impressive, but they tell a deeper story about the country’s relationship with nature and conservation.

Iguazú Falls (Cataratas del Iguazú)

Iguazú Falls is one of the world’s largest waterfall systems. It’s located on the border between Argentina and Brazil, within Iguazú National Park. The falls consist of more than 250 individual cascades spread across nearly two miles of the Iguazú River.

UNESCO has designated the area as a World Heritage Site due to its biodiversity and ecological importance. One of the most visited sections is the Garganta del Diablo, or Devil’s Throat. This dramatic U-shaped drop channels enormous volumes of water into a mist-filled gorge. Meanwhile, the surrounding rainforest is home to thousands of bird species and native plants, so visiting is about more than just the waterfalls themselves.

When you visit Iguazú Falls, you can explore both the Argentinian and Brazilian sides of the park: 

• The Argentinian side features an extensive network of walkways that bring you close to the rushing water and allow for a slower, more immersive visit.
• The Brazilian side, while smaller, offers sweeping panoramic views that highlight the full scale of the falls. Many travelers choose to visit both for a more complete perspective.

Perito Moreno Glacier (Glaciar Perito Moreno)

Perito Moreno Glacier is located in Los Glaciares National Park in southern Patagonia, near the town of El Calafate. Stretching about 18.6 miles in length, it is one of Argentina’s most famous glaciers.

What sets Perito Moreno apart is its relative stability. Unlike many glaciers around the world, it has maintained its size over time and is known for frequent ice calving events, where large chunks break off into Lake Argentino. Visitors often gather at the viewing platforms, waiting for the sound of another dramatic break.

You don’t need specialized equipment to visit Perito Moreno Glacier. A system of walkways allows for safe viewing on land, while boat tours provide a closer look from the water. These options make the site accessible to visitors with a wide range of abilities and travel styles.

Aconcagua

Aconcagua rises prominently in the Andes near the city of Mendoza, close to Argentina’s border with Chile. With a summit reaching nearly 23,000 feet above sea level, it is the highest mountain in the Americas and a defining feature of the region’s landscape.

The mountain is a popular destination for experienced mountaineers, and it holds symbolic importance as part of the Andes range that shapes western Argentina. While Aconcagua is considered a non-technical climb compared to peaks of similar height, reaching the summit still requires permits, careful acclimatization, and extensive preparation.

If climbing Aconcagua doesn’t interest you, visiting Aconcagua Provincial Park might. The park offers hiking trails and viewpoints where you can see mountain views and the surrounding landscapes without attempting the ascent. These areas are well-suited for day trips and give you a strong sense of the Andes’ scale.

Península Valdés

A protected coastal area in Patagonia’s Chubut Province, Península Valdés is recognized as a UNESCO World Heritage Site for its importance to marine wildlife conservation. It includes open steppe, cliffs, beaches, and sheltered gulfs that support a wide variety of species.

The peninsula is best known for seasonal wildlife viewing, particularly of southern right whales (Eubalaena australis). Between June and December, these majestic mammals migrate to the calm coastal waters in the area to breed and nurse their calves. Whales can often be seen directly from the shoreline during this period, making Península Valdés one of the few places in the world where land-based whale watching is common.

The area is also home to sea lions, elephant seals, penguins, and a variety of bird species. In certain places and seasons, you may even observe orcas hunting near the coast, a behavior that’s been studied here for decades. Because wildlife sightings depend heavily on timing and location, guided visits are often recommended.

Local authorities carefully regulate access to Península Valdés to protect its ecosystem. You can explore the area by guided tour or from designated viewpoints, which helps minimize environmental impact while still allowing you to discover the wildlife.

Salina Grandes, Jujuy

Salinas Grandes is a massive salt flat in northwestern Argentina, spanning parts of Jujuy and Salta provinces. Located high in the Andes, it covers more than 80 square miles.

The salt flats are formed from ancient lakes that gradually evaporated, leaving behind thick layers of salt. Their flat, white surface creates a striking visual contrast with the surrounding mountains and sky. That’s why this area is often included in regional road trips through Argentina’s northwest.

Today, Salinas Grandes is still used for salt extraction and remains an important part of the local economy. When you visit, you’ll typically stop at designated access points where local guides explain the area’s history and how the salt is harvested.

Due to the altitude and intense sunlight, shorter visits are recommended, along with sun protection and plenty of water. Consider taking breaks if you’re not used to high altitudes.

Architectural and historical landmarks

Argentina’s cities are dotted with landmarks closely tied to immigration, politics, and cultural development. Buenos Aires, in particular, reflects strong European influences alongside local traditions, shaped by waves of migration and cultural exchange.

La Boca, Buenos Aires

La Boca is one of Buenos Aires’ most recognizable neighborhoods, known for its vibrant colors and distinctive artistic identity. Nestled near the city’s old port, it was historically home to many Italian immigrants whose legacy remains visible in the area’s culture and architecture.

At the heart of La Boca is Caminito, a street museum lined with brightly painted buildings, local artwork, and tango performances. The bold color palette is often associated with early residents who used leftover ship paint to decorate their homes.

La Boca is also linked to the early development of tango and is home to Boca Juniors, one of Argentina’s most well-known football clubs. Today, it is a popular tourist destination for visitors interested in art, music, and local culture. Daytime visits are generally recommended, as the main tourist areas are clearly marked and well frequented.

Recoleta Cemetery (Cementerio de la Recoleta)

Recoleta Cemetery may seem like an unusual tourist destination at first, but it’s one of Buenos Aires’ most important historical sites. Often compared to an open-air museum, the cemetery contains elaborate mausoleums, statues, and tombs belonging to prominent historic, political, military, and cultural figures.

One of the most visited tombs is that of Eva Perón, a former First Lady of Argentina, who championed the rights of the country’s poor and working class. Architectural styles throughout the cemetery range from neoclassical to Art Deco, reflecting different periods in Argentinian history.

The cemetery’s layout, with narrow walkways and family vaults, reflects burial traditions brought by European immigrants during the 19th century. Walking paths are clearly marked, and maps are available at the entrance. 

If you want to better understand the historical significance of specific tombs and families, you should consider a guided tour. Guides often share stories about well-known individuals buried in the cemetery, as well as lesser-known details that bring this unique site to life.

Teatro Colón

Teatro Colón is an iconic cultural landmark in Buenos Aires and is widely regarded as one of the world’s leading opera houses. Located near the city center, it represents Argentina’s long-standing investment in the performing arts.

The current theater opened in 1908 after nearly 20 years of construction. Its design reflects a blend of architectural styles, including Italian Renaissance and French influences. The interior is particularly admired for its acoustics, often ranked among the best in the world. You’ll also notice the detailed craftsmanship, from marble staircases to stained glass and ornate decorative elements.

Over the years, Teatro Colón has hosted internationally renowned opera singers, musicians, and ballet companies, helping establish Buenos Aires as a key cultural center in South America. Today, it remains an active performance venue. You can attend performances or take guided tours that explain the theater’s history, design, and continued role in Argentina’s cultural life.

Understanding Argentina through its landmarks

These famous sites in Argentina offer insight into both its geography and its history. Natural wonders like Iguazú Falls, Perito Moreno Glacier, and Aconcagua highlight the country’s vast and varied landscapes, while urban landmarks like La Boca and Recoleta Cemetery reflect artistic traditions, immigration patterns, and political history.

Whether you’re planning a visit, learning from afar, or settling into life in Argentina, these landmarks provide meaningful ways to connect with the country and the people who call it home.

FAQs

What is the most famous landmark in Argentina?

Argentina has many well-known landmarks, but Iguazú Falls is often considered one of the most internationally recognized natural sites. Among man-made landmarks, Recoleta Cemetery in Buenos Aires is especially famous for its history and architecture.

How many days do I need to see the main landmarks in Argentina?

Argentina is a vast country, and traveling between regions can take time. Many tourists find that 10 to 14 days allows them to visit a few natural landmarks and popular man-made sites without feeling rushed.

Is it safe to visit these landmarks?

Yes, these are all popular tourist destinations with established infrastructure. Like any trip, it’s helpful to take standard safety precautions, such as being aware of your surroundings in busy city areas and following local guidance at natural sites.

What is the best time of year to visit Argentina?

The best time to visit depends on your destination. It’s common to visit Patagonia during the summer months of December through February, while Buenos Aires is often most comfortable in spring, from September to November, or in fall, from March to May.

 

There’s something special about a cruise ship. These massive vessels are more like floating cities. They carry millions of travelers around the world each year, bringing a touch of glamor and comfort to the travel experience. But even the grandest cruise ship eventually reaches the end of its sailing days. That’s where a cruise ship graveyard comes in.

The cruise ship graveyard is not a dumping ground for out-of-service vessels. These sites play a vital role in a cruise ship’s lifecycle, dismantling and recycling as many components of the ship as possible. At Remitly, we care about sustainability, so let’s dive into how a cruise ship gets recycled.

What exactly is a cruise ship graveyard?

A cruise ship graveyard is a poetic name for what is essentially a ship-breaking yard. While you might imagine rusting hulls left to decay, the reality is a lot more organized. A cruise ship graveyard is not somewhere a ship goes to rest and rust, but a place where its useful components are salvaged and reused.

Recycling is the main activity of a cruise ship graveyard. And while that’s great for sustainability, it’s also a matter of practicality. Building a cruise ship costs millions of dollars, and every ship is a vast collection of valuable materials that can be reused on other ships or in other industries. 

How and why cruise ships are recycled

In a modern cruise ship graveyard, up to 90% of the ship and its components can be reused or recycled. That includes everything from structural steel and aluminum to copper wiring, machinery, and interior fixtures.

These materials may be used on other ships or turned into construction materials, and even consumer goods. So ship graveyards play an important role in reducing the need to mine new resources to make the things we need.

The average life of a cruise ship is around 25 to 40 years. After that, maintaining an older ship becomes more expensive. Plus, new safety regulations sometimes mean older ships are no longer fit for purpose. Sometimes, it’s too expensive to refit an older ship to meet new rules, requirements, and standards. It’s often better to retire the ship and use its components somewhere new.

While a cruise ship graveyard may be the final stage of the ship’s lifecycle, it’s not a place where ships are forgotten. Instead, it’s where they’re transformed into something else so they can continue to be useful after their last voyage.

The journey to the shore: how it works

If you’ve ever seen the size of a modern cruise ship, you might be wondering where you’d even start with taking one apart. The answer is a step-by-step ship-breaking process that breaks these giant machines down into their components. And it starts with beaching the ship.

Beaching

The first step to retiring a cruise ship is to beach it. This means it’s deliberately driven onto a sandy shoreline at high tide. Experienced pilots drive the vessel onto the sand until the vessel grounds itself. Then, when the tide goes out, the ship is on dry land and accessible.

Around 70% of ships are dismantled this way. The advantage of this is that it doesn’t require expensive drydock facilities and machinery to move the ship. Of course, it does mean that workers can only work on the ship at low tide.

Once the ship is secure on dry land, the dismantling process begins from the inside.

Stripping the interior

The first phase of ship-breaking starts with emptying the ship. Cruise ships are filled with thousands of items that can be reused just as they are. Furniture from cabins and lounges, lighting fixtures, electronics, mattresses, kitchen equipment, and even decorative elements can all be reused. Teams of workers move through the ship, taking out everything that can be reused piece by piece.

Many of these items are resold into local markets, where they may be used in homes, hotels, restaurants, and small businesses. Cruise ship kitchen equipment may end up in commercial kitchens, and doors, sinks, and wiring often end up in construction projects. 

For a big ship, this process can take weeks or even months. Busy cruise ship graveyards have contacts with local industries and international brokers who know exactly where to sell items salvaged from the ship. This helps the cruise ship owners get back some money on their investment.

While all this goes on, the ship looks much the same, at least from the outside. But once this process is over, the most dramatic stage of ship-breaking is next.

Cutting the steel

Once the ship has been emptied, workers use torches and heavy cutting tools to cut the ship’s hull apart. Starting from the upper decks, they move downward, cutting the hull into large sections of steel. This is difficult and potentially dangerous work, as the massive sections of steel can weigh several tons.

The steel plates are then transported to nearby facilities where they’re melted down and refined. This steel becomes raw material for new buildings, bridges, vehicles, household appliances, or even new ships.

Famous locations around the world

Around 1,000 cruise ships are retired to breaking yards every year. There are breaking yards around the world, but this industry is dominated by a few major players who handle most of the industry’s recycling.

Aliaga, Turkey

Because of its location, Aliaga is one of the most prominent ship recycling hubs for European-owned vessels. Located on Turkey’s Aegean coast, it operates under strict environmental and worker safety regulations when compared to many South Asian yards. 

One example of this is that the facilities here rely less on beaching and more on dismantling ships at the pier. That allows greater control over hazardous materials such as asbestos, fuel residues, and heavy metals. They also sometimes use the so-called landing method, which means landing the bow of the ship on the beach while leaving the stern floating in the water.

Because of its higher standards, Aliaga is frequently chosen for new or high-profile cruise ships, particularly ones that require compliance with EU regulations. Aliaga offers some of the most sophisticated ship-breaking processes anywhere in the world, so while costs are higher here than at some other yards, the process is also more closely monitored.

Alang, India

Alang is located on India’s Western coast and is the world’s largest ship-breaking yard, responsible for dismantling more than one-third of all retired ships. In its heyday in 2012, this yard dismantled 415 ships in a single year, but the volume of ships arriving at this yard has been dropping since then.

Alang was once known for its capacity, its skilled workforce, and its ability to process ships quickly. Unfortunately, that sometimes came at the expense of both worker protections and environmental standards.

This changed in 2019, when India signed onto the Hong Kong International Convention for the Safe and Environmentally Sound Recycling of Ships. This convention mandates specific standards for worker training, environmental protection, and recycling. The shipyards at Alang were significantly upgraded to meet the standards.

Chittagong, Bangladesh

Chittagong is second only in size to Alang. This massive ship-breaking yard has long tidal beaches ideal for beaching big ships and an experienced labor force that can handle the biggest ships in the world. Thanks to the low cost of living in Bangladesh, it also offers one of the cheapest ship-breaking services in the world, returning more money for retired ships to their owners.

If you’ve watched the Avengers: Age of Ultron movie, you’ll have glimpsed Chittagong, standing in for the salvage yard in Wakanda.

The environmental impact and future

Ship recycling can be dirty and dangerous work. Older cruise ships were built at a time when materials like asbestos, heavy metals, and oil-based compounds were frequently used. When these older ships are dismantled, these substances pose serious environmental and health hazards if they’re not properly contained.

Fuel residues, oily sludge, insulation materials, and toxic paints all require the right handling to prevent pollution of coastal waters. Plus, toxic substances are a threat to workers.

In recent years, the industry has undergone major changes thanks to the Hong Kong Convention, which has been adopted by the International Maritime Organization. Among other rules, the convention requires ships to carry an inventory of hazardous materials and mandates control procedures for dismantling them at certified facilities. 

The convention was adopted in 2009, but only entered into force in June 2025. So far, implementation has been patchy, with the yards like Aliaga and Alang leading the way, while some other South Asian yards like Chittagong have been slower to upgrade their facilities and processes. 

But momentum is building. Under pressure from regulators and environmentally conscious customers, cruise lines are increasingly choosing yards that meet these international standards, even if it costs them more.

As regulations tighten, ship recycling is becoming less about disposal and more about responsible resource recovery. Traveling sustainably means taking into account all aspects of the cruise ship lifecycle, including its end. Programs like the Hong Kong International Convention help ensure that shipyard workers and the environment are protected as these huge ships are broken down. 

The end of a ship’s journey

A cruise ship graveyard is not a place ships go to die. Instead, they are where they go to be reborn. Modern ship-breaking facilities are actually recycling hubs that turn old vessels into valuable raw materials, with thousands of new uses.

Every ship currently on the sea will one day reach the end of its lifecycle. When it does, dismantling it properly is key to helping reduce pollution, preserve resources, and keep the oceans cleaner.

If you’re an ecologically conscious cruise ship traveler, it’s worth shopping around for cruise lines that are committed to sustainable recycling practices. By applying pressure to cruise lines with your purchasing decisions, you can help contribute to a cleaner and more environmentally sustainable ship recycling process.

FAQs

Can tourists visit a cruise ship graveyard?

Usually not. These are heavy industrial sites with strict safety protocols, so casual tourism is usually not allowed. Chittagong in Bangladesh used to be a tourist attraction, but visitors are no longer allowed. It’s still possible to take a tour to view the yard from the outside.

How long does a cruise ship last before going to the graveyard?

A cruise ship can last anywhere from 25 to 40 years. After that point, it usually becomes too expensive to maintain and keep it up-to-date with evolving standards, at which point the ship is retired.

What happens to the furniture inside the ships?

Furniture and fittings inside ships are often sold to hotels, restaurants, the construction industry, or collectors. At the world’s biggest shipyards, entire industries have sprung up to give these items a second life.

Moving is often stressful, and even more so if you’re relocating to another country. From getting a place to live, to applying for a driver’s license or state photo ID, to opening a bank account, there’s a lot to do in a short amount of time.

To do any of this, you often need proof of address documents. So, what counts as proof of address for these purposes? What’s the difference between a proof of address and another form of identification?

In the U.S., Canada, and the U.K., one or more of the following documents usually works:

• Driver’s license ;
• Proof of employment (if includes current home address);
• Academic records (again, with current address);
• Bank statements;
• Utility bills (water, electricity, internet, or phone service) or;
• Rental agreements for your current home.

In this guide, we’ll cover what counts as proof of address in three countries (the U.S., Canada, and the U.K.) and how to get the documents you need in each place.

Why do you need to show proof of address?

The terms “proof of address” or “proof of residency” mean the same thing: documents that show where you live. Proof of address documents differ from other forms of ID because not all ID documents will have a current residential address.

Your address proof should show where you physically live. In the U.S. and elsewhere, you can purchase a post office box (or P.O. Box) for receiving your mail, but this counts only as a mailing address and not a residential address.

Your proof of address allows you to access different services and leaves a paper trail. If you’re planning to migrate permanently to the U.S., U.K., or Canada, proving your residency will be important.

And if you plan to send money back home, having a local bank account is helpful. When opening a bank account, you typically need to show proof of address.

Regardless of what proof of address you use, it must be recent. Your document should provide your current address and show your full legal name, which should match your other required documents (e.g., a birth certificate or passport).

If you’re using a proof of address document that doesn’t have a specific validity date, add your last three months of utility bills to show that it’s your current residence.

Proof of address documents in the U.S.

Gather proof of address documents as soon as possible after moving to the United States. Let’s take a look at the different kinds you can obtain and how to get them.

Driver’s license

The most common proof of address in the United States is a driver’s license. Americans use it for nearly everything: driving, proof of age to buy liquor or cigarettes, and as a primary identification card at government offices and airports.

Here’s what you need to get a driver’s license in the U.S.:

1. Documents proving your identity and full name (e.g., a birth certificate)
2. A Social Security number from the U.S. Social Security Administration (SSA) or a taxpayer ID number
3. Proof of address documents

For the first requirement, you can offer a passport card or book, permanent resident card, or birth certificate. Social Security numbers or tax ID numbers can be a bit trickier, but make sure you contact the SSA for information on exactly what kind of number you can get, and how.

Though rules will vary from state to state, most Departments of Motor Vehicles (DMVs) and government offices will accept the following proof of address documents:

• Utility bills
• Rental contract or lease agreement
• Mortgage statement (for homeowners)
• Documents from your school, such as enrollment papers or a transcript
• Insurance policies or premium bills
• Bank or credit card statements
• A pre-printed tax form
• Posted mail with your name and address

If you are in the U.S. for higher education or for work, your school documentation or paycheck stubs will be the easiest papers to obtain.

A photo ID card if you don’t drive

Though it’s not as common as a driver’s license, you can also apply for a photo ID from the U.S. state in which you live. This identification can become proof of address as well. Just as with a driver’s license, you can get this from the DMV.

To apply for a state photo ID, you typically need:

• Your green card, unexpired Employment Authorization Card with Form I-766, or another U.S. visa with an I-94 form
• Your Social Security card or taxpayer ID number card (if you have one)
• Proof of address

Each state has its own rules. Be sure to read the requirements for your state DMV or speak with the office.

Note that non-residents and those moving to the country for the first time are unlikely to have a Social Security number, or SSN. It is still possible to get a photo ID from the DMV without one.

An Affidavit of Residence in the U.S.

An affidavit of residence is another kind of proof of address document, but it will take more time to complete. Your landlord or employer will need to write a letter verifying your current residential address and have it notarized.

In addition, you’ll likely need to attach other proof of address documents, like your rental agreement or IRS Form W-4 from your employer, as further evidence. You can use additional papers to supplement the letter as well, including utility bills and pay stubs.

Proof of address documents in Canada

As in the U.S., a driver’s license is a common proof of address in Canada. But there are many others you can use as well:

• T4 slips from your employer
• Your tax returns
• Rental agreements or receipts from landlords
• A government-issued photo ID
• Utility bills
• Car registration
• Academic records and transcripts
• Insurance policies
• Bank or credit card statements
• Notice of Assessment

Again, items like your T4 slips (for workers) or academic records (for students) will be the most readily available documents. Phone, water, or light bills usually work as well, as do lease agreements.

Proof of address documents in the U.K.

In the U.K., you will need proof of address to get a bank account, which can be tricky if you need to find an apartment or buy a car. Some British banks will allow the following to be used as proof of address documents:

• If you are a student, a letter from your university, college, or language school
• If you are a worker, a letter from your employer confirming your address
• A letter from someone you know who is a customer of the bank and can verify your address

Like in the United States and Canada, you can also use a rental agreement, insurance policies, credit card statements, and utility bills to prove your address.

If you are married, you may also be able to use a joint bank account statement or insurance policy as proof of your address. When providing a joint bank or insurance statement, be sure to include your marriage certificate.

Outside help for proving your address in the U.K.

If you need help with your documents in the U.K., several companies can help you. These companies have become well-known and popular in recent years. For a fee, they guide you in setting up a local address in the U.K. and then use that address to assist you in getting a bank account.

A few companies, like 1st Contact and BritBound, can even help you set up a bank account prior to arrival.

You probably already have the proof of address documents you need

The good news? Even if you have just moved to a new country, you likely have at least one document that works as proof of address.

Whether it’s an employment letter, university transcript, cell phone bill, or rental agreement, you’ll find that you quickly accumulate evidence of your residence in a new country.

Once you have proof of address and a bank account, you can easily start saving for the future and sending money home.

At Remitly, we focus on making international money transfers easier, faster, and more secure.

That’s why we’ve introduced a new way to send money to Argentina: stablecoin transfers. You can now send digital dollars (USDC) directly to your recipient’s crypto wallet. This gives them more control over their funds and helps protect the value of the money you send.

This guide will explain why stablecoin are a valuable option for transfers to Argentina and walk you through the simple steps to send them using the Remitly app.

Why Send Stablecoin to Argentina?

Interest in digital currencies is growing in Argentina. One recent study found that 79% of Argentinians are open to using crypto for payments, making stablecoin a practical choice for modern money transfers.

This is where digital dollars like USDC can help. USDC is a stablecoin designed to maintain a 1:1 value with the U.S. dollar. When you send USDC, you’re sending a digital asset that holds its value similarly to a U.S. dollar, helping shield your recipient from currency devaluation.

What You Need Before You Start

Sending stablecoin with Remitly is simple. Here’s what you and your recipient will need:

• A U.S.-based Remitly account: This feature is available to Remitly customers sending from the United States.
• The latest version of the Remitly app: Update your app to access the crypto wallet delivery option.
• A recipient with a USDC-compatible crypto wallet*: Your recipient will need a wallet that supports USDC. Popular options in Argentina include Lemon Cash, Buenbit, and Binance.
• Your recipient’s wallet address: This unique string of characters works like an account number for their crypto wallet. Be sure your recipient shares the correct address and the associated blockchain network.

*Mention of wallet providers is for illustrative purposes only. Remitly is not affiliated with these platforms.

How to Send Stablecoin to Argentina: Step-by-Step

Once everything is set up, sending USDC takes just a few minutes:

1. Start a Transfer: Open the Remitly app and select Argentina as your destination.
2. Select Delivery Method: Choose Crypto wallet as the delivery method.
3. Enter Wallet Details: Select the correct blockchain network and enter your recipient’s wallet address carefully.
4. Confirm the Exchange: Powered by our stablecoin partner. You’ll see a 1:1 exchange rate—every U.S. dollar sent is delivered as one USDC.
5. Review and Send: Confirm the details and fees, and then send the funds.

How This Helps Your Recipient

Choosing to send stablecoin gives your loved ones in Argentina meaningful advantages:

• Fast Delivery: Depending on the blockchain network, funds can arrive in your recipient’s wallet in minutes.
• Protection from Devaluation: Since funds are not automatically converted into ARS, recipients can hold USDC to preserve value during periods of inflation.
• Flexibility: Recipients can choose when to convert their USDC to pesos, giving them control over timing.
• More Control: Digital dollars can be held, spent, or exchanged—allowing recipients to manage their funds based on their own needs and goals.

For a Better Way to Send

Sending stablecoin to Argentina with Remitly offers a secure and efficient way to support your loved ones. By delivering digital dollars, you offer financial flexibility and peace of mind in a challenging economic environment.

Ready to get started? Update your Remitly app and explore the crypto wallet delivery option today.

Frequently Asked Questions (FAQs)

What is USDC and is it safe?

USDC is a digital stablecoin that is pegged to the U.S. dollar. For every USDC in circulation, there is one U.S. dollar held in reserve. USDC is issued by Circle, a regulated financial institution. While it is designed to maintain a stable value, all digital assets carry some financial risk.

What if my recipient doesn’t have a crypto wallet?

Many wallet apps—such as Lemon Cash, Buenbit, or Binance*—are available in Argentina. Recipients can download one from their phone’s app store and follow the sign-up process to obtain a wallet address.

Can my recipient withdraw the USDC in pesos?

Yes. Most crypto platforms in Argentina allow users to convert USDC to Argentine pesos (ARS) and withdraw funds to a local bank account. This gives recipients flexibility to access local currency when they need it.

*Remitly is not affiliated with any third-party wallet providers. Recipients should evaluate wallet options based on their own preferences and needs.

Seeing the word “Canceled” flash up on the departure board can be really frustrating. If you’re traveling you might wonder what to do, and what your rights are, if your flight gets canceled. That sinking feeling of missed plans, unexpected delays, and scrambling to figure out what comes next can quickly turn your trip into a stressful experience. But you don’t have to let it ruin your entire journey.

The good news is that passengers do have specific rights and practical options. Acting fast and knowing the rules are your best tools for getting back on track. That’s why we’ve created this clear, step-by-step guide at Remitly to explain what to do if your flight gets canceled. You’ll learn smart rebooking strategies and understand when compensation may apply.

Act fast: multitask your rebooking

When your flight is canceled, every affected passenger is now competing for the same limited seats on the next available flight. To improve your chances:

Get in line and call customer service simultaneously

It’s natural to join the customer service line at the airport, but don’t rely on that alone. Call the airline’s support number at the same time: you might reach an agent faster by phone, and they can sometimes access rebooking options that aren’t available at the counter. If you’re traveling with friends or family, you can have someone stay in line while another handles the phone call.

Use the airline’s mobile app

Most airlines allow you to rebook flights directly through their mobile app, and in many cases this is the fastest option. Apps often show real-time seat availability and let you confirm a new booking instantly, without waiting for an agent. Turning on push notifications can also help you catch new flight options or statuses as soon as they appear.

Leverage social media

Some—but not all—airlines respond quickly to direct messages on social media platforms. If you can’t get through by phone, try sending a polite message on social media. Tag the airline and include your flight number, travel date, and a brief description of the issue to improve your chances of a faster response.

Explore your rebooking options

Knowing what questions to ask and understanding your rebooking choices can save you hours or even a full day of waiting at the airport. 

Here are a few options to consider:

Rebooking the next available flight

In many cases, airlines automatically rebook a canceled flight on the next available service at no additional cost. While this is usually convenient, it may not always match your schedule or plans. Take a moment to review the next flight details carefully. Ask for a confirmation email or text message so everything is documented.

Checking other airlines

If the next available flight is hours away, ask whether your airline has an interline agreement with other carriers. These agreements allow airlines to rebook a canceled flight on a partner or even a competitor carrier if it gets you to your destination faster.

While there’s absolutely no guarantee they’ll do this, a polite request can sometimes help you reach your destination much sooner.

Consider nearby airports

Another option is flying into or out of a nearby airport. For example, if a flight to New York is canceled, airports like Newark or Philadelphia may have seats available earlier. Ask the agent if rerouting through a different airport is possible, even if it means a short train ride or drive to get there.

Choosing a refund instead

If none of your rebooking options work, or there’s just no point traveling later and you don’t want to fly, you can request a full refund for the unused portion of your ticket—even if it was labeled “non-refundable.” 

A refund gives you the flexibility to book with another airline, change your travel plans, or consider alternative transportation if you are still planning to travel, without being stuck with a ticket you can’t use.

Know your rights: why was the flight canceled?

After rebooking a canceled flight, it’s important to know why the cancellation happened because it affects your rights. The reason for cancellation actually determines what assistance, refunds, or compensation you may receive.

Flight cancellations generally fall into two categories, and they’re treated differently:

Controllable vs. uncontrollable cancellations

Some cancellations are within the airline’s control. These include issues like aircraft maintenance problems, crew scheduling shortages, fueling delays, cabin cleaning issues, or other operational errors. They’re categorized as controllable cancellations, and airlines are usually responsible for helping affected passengers. 

Other cancellations are caused by factors outside the airline’s control, such as severe weather, air traffic control restrictions, security issues, or natural disasters. These are considered uncontrollable cancellations. While airlines might still assist passengers, compensation rules are often more limited.

If you’re flying within or from the United States

For US flights, the Department of Transportation (DOT) guarantees your right to a full refund if your flight is canceled and you choose not to travel. This airline refund rule applies no matter the reason for the cancellation, even if they offer vouchers, travel credit, or rebooking options.

That said, US law does not require airlines to cover extra expenses like hotel stays, meals, or transportation. However, many airlines do provide this voluntarily, especially for controllable cancellations. So it’s worth asking what support they can offer.

If you’re flying within or from the European Union

Flights departing from the EU, or arriving in the European Union and operated by an EU/UK airline, are protected under EU Regulation 261/2004. This law protects passengers flight cancellation rights, including the possibility of cash compensation for reasons that are within the airline’s control.

Compensation typically ranges from €250 to €600 per passenger, depending on the flight distance and how much the cancellation disrupted your travel. 

While cancellations caused by extraordinary circumstances like bad weather don’t qualify for cash compensation, airlines are still generally expected to provide care. This may include meals, hotel accommodation, and alternative transportation.

Secure your amenities (food and hotel)

If a flight cancellation leaves you stranded overnight, knowing how to secure food and lodging can make an already stressful situation more manageable.

Ask for hotel or meal vouchers immediately

If the cancellation is caused by an airline-controlled issue, request hotel accommodations and meal vouchers as soon as possible. Airline agents at the service desk or on the phone may issue these right away. Be sure to confirm what’s covered, such as meal limits or hotel locations, so you can plan your night without surprises.

Be transparent about the cause

When cancellations are due to uncontrollable events, airlines are not required to provide amenities. But some carriers may still offer discounted hotel rates, vouchers, or goodwill assistance. 

Be sure to ask and clearly explain your situation. This can sometimes result in extra support. Keep notes of any offers or promises made so you can reference them later if needed.

Keep every receipt

If you have to pay out-of-pocket for meals, hotels, or transportation, save all your receipts. Even when reimbursement isn’t guaranteed, these documents are essential for filing claims with the airline, travel insurance provider, or your credit card company. Organizing receipts right away makes the claim process faster and improves your chances of getting reimbursed.

Handle your luggage

When your trip is disrupted and you’re rebooked for the next day, you need to know what will happen to your luggage. Handling this early can save you from unnecessary inconvenience.

Rebooked on a later flight?

If you’re placed on a flight the following day, some airlines keep your checked bags tagged through to your final destination. This isn’t a hard-and-fast rule and treatment of baggage depends on the standard practices of each airline, airport, and security regime where you happen to be.

But it can mean you won’t have access to your luggage overnight, which can be inconvenient if you need clothes, toiletries, or other essentials.

Need your bags immediately?

If you require medication, a change of clothes, or other critical items, ask an airline agent to retrieve your checked luggage. Be clear about what you need and why it’s important. While not guaranteed, some airlines will release bags in special situations. Keep in mind that retrieval can take time, so be sure to make the request as early as possible.

Choosing a refund instead of rebooking?

If you decide not to travel and opt for a refund, ask the airline for clear instructions on where to collect your luggage before leaving the airport. Airlines are required to return your checked bags eventually, but you may need to go to a specific baggage claim area to retrieve them if you want them back straight away.

If you don’t collect your bags right away, the airline may send them to your original destination later, which can cause delays. To avoid complications, it’s usually best to pick them up at the airport as soon as you can.

Stay calm and take control

Flight cancellations are stressful, but acting quickly and knowing your options can make all the difference. Multitask your rebooking, find out what caused the cancellation, explore alternative flights, and manage your luggage efficiently. Staying organized and informed gives you the best chance to get home quickly and with minimal disruption.

Although cancellations are inconvenient, they don’t have to derail your travel plans. By staying calm and polite, understanding your flight cancellation rights, and following the step-by-step strategies in this guide, you can get moving again with less stress.

FAQs

Do airlines pay for hotels if flights are canceled?

It depends on the cause of the cancellation. If the airline is at fault, such as operational issues, crew problems, or mechanical delays, they often provide hotel accommodations and meals. There’s no guarantee they’ll do this, however.

For cancellations caused by uncontrolled events, like weather or air traffic control issues, airlines usually aren’t required to cover these costs.

Can I get a refund if my flight is canceled?

Yes. You’re entitled to a full refund if you choose not to accept the alternative flight offered by the airline, even if your ticket was initially labeled non-refundable. Contact the airline promptly to ensure you don’t lose your rights.

Does travel insurance cover canceled flights?

Comprehensive travel insurance can cover expenses that airlines don’t, such as hotels, meals, and transportation. Coverage depends on the reason for the cancellation and the specifics of your policy. Always review your policy details before relying on it for reimbursement.

How do I claim compensation for a canceled flight?

Start by filing a claim through the airline’s website or customer service portal. Include your flight details, proof of cancellation, and receipt of your expenses. Following up regularly helps ensure your claim is processed efficiently.

Can I get compensation for a canceled flight due to weather?

Generally, cash compensation isn’t offered for weather-related cancellations. Airlines may still provide meals, accommodation, or rerouting if needed. However, some travel insurance policies may cover these expenses, so check your coverage before your trip.

How can I improve my chances of getting assistance quickly?

Act quickly and explore all available rebooking options, including flights on other airlines or nearby airports. Keep receipts and documentation for any out-of-pocket expenses, as this can help with claims or reimbursement. 

Use every channel available, from airline apps to customer service phone lines and social media to reach agents faster and increase your chances of receiving timely support. But be polite, however frustrated you are, with the people you deal with.

Being disconnected from loved ones while traveling can be stressful, especially if you’re used to texting family and friends throughout the day. Once the plane doors close and the phone switches to airplane mode, many travelers ask, “Can you text on a plane?” The short answer is that cellular data must be turned off during flights, but in-flight Wi-Fi, which many airlines now offer, is allowed.

Understanding this helps you stay connected without breaking airline rules or facing unexpected charges. That’s why we’ve created this guide at Remitly to explain when you can text on a plane and how in-flight messaging really works. You’ll learn when to use airplane mode, discover the messaging apps for flying, and find out how to avoid hidden costs.

The rules of connectivity: airplane mode activated

Airplane mode can feel like a digital blackout, but it’s not as restrictive as it seems. When you switch it on, your phone turns off cellular signals. This means your device stops communicating with ground-based cell towers, which is required during flights because in-flight cellular transmissions are prohibited under federal law.

Airplane mode usually also turns off Wi-Fi and Bluetooth at first, but most devices let you turn them back on manually if the airline permits their use. That’s why you can connect to onboard Wi-Fi, pair wireless headphones or smartwatches, and use internet-based messaging apps in the air.

By following these rules, you can stay compliant and take advantage of available services. With airplane mode on and Wi-Fi enabled (when it’s offered), you can send messages through apps like iMessage or WhatsApp, browse the internet, and stay in touch with family and friends at 30,000 feet.

SMS vs. internet messaging: what works?

Not all text messages work the same way in the air. Whether you can send a message on a plane depends on how that message is delivered, not just which app you’re using. Understanding the difference can help you avoid frustration once you’re in the sky.

Messages that need cellular service (generally won’t work on flights):

• Standard SMS texts
• MMS messages (photos and videos sent by text)

Messages that use the internet (can work with in-flight Wi-Fi):

• iMessage (blue bubbles only)
• WhatsApp
• Facebook Messenger
• Viber
• Signal

Standard SMS texts don’t work on most flights

Traditional text messages, such as green-bubble texts on iPhones or standard SMS and MMS messages on Android devices, rely on cellular networks. Because cellular connections are turned off during most flights, these messages won’t send or come through until you land.

Internet-based messaging can work with Wi-Fi

Internet-based messaging apps can work during a flight if you’re connected to in-flight Wi-Fi. Apps like iMessage, WhatsApp, Facebook Messenger, and Viber use an internet connection rather than cellular networks. In the air, that connection comes from the plane’s Wi-Fi. Some airlines offer free text messaging on select apps, while photos, videos, and full internet access might cost extra.

Knowing which messaging types rely on Wi-Fi versus cellular helps you plan ahead. Before your flight, set up your messaging apps and let contacts know the best way to reach you while you’re in the air.

How to connect to in-flight Wi-Fi

By following a few simple steps, you can connect to in-flight Wi-Fi when it’s available and start browsing or texting.

Step 1: Switch to airplane mode

After boarding, the first step is to enable airplane mode on your device. On most smartphones, you can do this quickly from the control center or settings menu. Turning on airplane mode can also help conserve battery life, which can be helpful on longer flights when power outlets may be limited.

Step 2: Turn Wi-Fi back on

Once the plane reaches a safe altitude and the crew gives the go-ahead, you can manually turn Wi-Fi back on. This allows your device to connect to the plane’s wireless network while keeping cellular data off. Some devices may prompt you to enable Wi-Fi when airplane mode is on, depending on your settings.

Step 3: Select your airline’s network

In your Wi-Fi settings, find and select the airline’s in-flight network, which is typically labeled with the airline’s name. If multiple networks appear, choose the one listed on the airline’s safety card or seatback instructions to avoid connection issues.

Step 4: Log in or purchase a pass

Once connected, open your browser. Most airlines will automatically redirect you to a login page where you can enter your flyer details, apply a voucher, or purchase a Wi-Fi pass if required. After completing the process, you’ll be able to use supported messaging apps, browse the web, or access onboard streaming, depending on the airline and Wi-Fi plan.

Essential security tips while using in-flight Wi-Fi

Using Wi-Fi on a plane is convenient, but like any public Wi-Fi network, it comes with some potential security risks. Following a few security practices can help protect your personal information while remaining connected in the air.

Use a VPN for sensitive activity

A Virtual Private Network (VPN) encrypts your internet connection, helping to protect your privacy on public Wi-Fi. This is especially useful if you’re accessing work emails, cloud storage, or private documents. If you use a VPN, turn it on before connecting to the airplane network. Bear in mind that some airlines may restrict VPN connections.

Avoid accessing banking websites

If possible, avoid logging into bank or payment accounts while using in-flight Wi-Fi. If access is urgent, use official banking apps with strong security features like two-factor authentication, as they’re generally safer than web browsers.

Be cautious with personal information

Avoid entering sensitive information, such as Social Security Numbers, personal IDs, or passwords, while connected to in-flight Wi-Fi. Treat the network as public and delay sensitive communications until you’re on a private connection.

Ensure websites are secure (look for HTTPS)

Always check that the websites you visit use HTTPS, which encrypts the data you send and receive. While HTTPS doesn’t guarantee a site is trustworthy, it’s a basic requirement before entering any information.

Log out of all accounts after use

Once you finish using email, social media, or other apps, close the apps or log out if you’re using a browser. This is especially important if you’re on a shared device, but on personal devices, it adds an extra layer of caution.

Disable autoconnect features

Turn off automatic Wi-Fi connections and avoid Bluetooth discoverable mode to reduce the risk of connecting to unknown or unsafe networks during the flight. Using Bluetooth accessories like wireless headphones is generally safe when paired with trusted devices.

Use strong passwords when creating an account

If you need to create a new account while flying, choose a unique and complex password and avoid reusing passwords from other services. Using a trusted password manager can help generate and store strong passwords securely, reducing the risk of security breaches.

Costs and airline policies

Knowing what you might pay to stay connected in the air can help you avoid surprises and frustration. Airline Wi-Fi policies vary widely, so understanding the differences before you fly ensures you’re prepared:

Free messaging on select apps:

Some airlines offer free text-based messaging on select apps, allowing you to stay in touch without buying a full Wi-Fi plan. For example, carriers like Delta, JetBlue, and Alaska Airlines often let passengers use messaging apps at no extra cost. This option is ideal if you want to send internet-based messages without buying full internet access.

Paid internet for browsing, streaming, or work:

Full internet access for browsing, streaming, or work typically requires a paid Wi-Fi pass. Prices can range from a few dollars on short flights to higher fees on longer routes, depending on the airline, and streaming may be limited.

Check policies in advance

Before your flight, review your airline’s Wi-Fi policy. Most airlines outline what’s included, which apps are free, and how much full access costs on their website or mobile app. Knowing this in advance can help you decide whether to purchase a Wi-Fi plan.

Mobile carrier perks

Some mobile carrier plans offer in-flight Wi-Fi benefits. For example, T-Mobile partners with major airlines like Alaska, United, and Southwest to provide free or discounted in-flight Wi-Fi on participating flights. If you’re a subscriber, checking your plan ahead of time could save you money and keep you connected without extra costs.

By understanding costs and policies before takeoff, you can avoid unexpected charges, take advantage of free messaging when it’s available, and decide if paying for Wi-Fi is worth it for your flight.

Stay connected, even in the clouds

Flying doesn’t have to mean losing touch with people who matter. By understanding the difference between cellular service and in-flight Wi-Fi, you can stay connected while still following airline rules. Download internet-based messaging apps like WhatsApp, iMessage, or Facebook Messenger before boarding so you’re ready to send messages as soon as Wi-Fi becomes available.

A little preparation goes a long way. With your apps set up and a clear understanding of how airplane mode and in-flight Wi-Fi work, you can check in with family, friends, or colleagues while you’re in the air. Staying connected keeps your loved ones informed and also makes the journey feel shorter, calmer, and less isolating.

FAQs

Can I send regular SMS text messages on a plane?

Generally, no. Standard SMS texts rely on a cellular connection, which must remain off during most flights. To send messages in the air, you’ll need to use Wi-Fi-based messaging apps when in-flight Wi-Fi is available.

Does WhatsApp work on a plane?

WhatsApp works on a plane as long as you’re connected to in-flight Wi-Fi. You can usually send text messages without issue, while photos, videos, and voice notes may be slower or unavailable depending on the airline and Wi-Fi plan. Both you and your contacts must have the app installed on your devices.

Can I make phone calls using Wi-Fi?

In most cases, no. Technically, Wi-Fi calling is possible, but most airlines prohibit voice calls to maintain a quiet cabin. Text-based messaging is typically allowed, while calls are discouraged or restricted. Always check your airline’s policy before trying to make a call.

Do I have to pay to text on a plane?

It depends on the airline. Some carriers offer free access to internet-based messaging apps, while others require you to purchase a Wi-Fi pass. If available, free messaging is usually restricted to text messages. Checking your airline’s pricing and options ahead of time helps you avoid surprises.

Can I send pictures or videos during a flight?

Sometimes, if the in-flight Wi-Fi supports it. Larger files may take longer to send or fail on slower connections, so sending smaller files or compressed images can work best.

Can I text internationally while on a flight?

Yes, if you’re using internet-based messaging apps like WhatsApp or iMessage over in-flight Wi-Fi. Since these apps don’t rely on cellular networks, international messaging works the same as domestic messaging. Just be aware that airline Wi-Fi policies and speeds may affect performance.