Wise vs Remitly:
which sends more from NZ?
It depends on the country. On same-day quotes for NZ$1,000 from New Zealand in November 2026, Wise delivered more than Remitly's standard rate to India, the UK, the Philippines, Samoa and Tonga, and Remitly delivered more to Fiji. On a first transfer, Remitly's welcome rate came out ahead to India, the Philippines and Fiji.
Which sends more on NZ$1,000, Wise or Remitly?
Wise did on 5 of the 6 routes we quoted, at Remitly's standard rates. Each row compares what the recipient gets from NZ$1,000 on the same day:
| NZ$1,000 to | Wise | Remitly standard | Remitly first transfer | Quoted |
|---|---|---|---|---|
| India →Remitly to a UPI account | ₹52,341.78 | ₹52,318.15₹52.37 per NZ$1, NZ$0.99 fee | ₹54,090.00 | 10 Nov 2026 |
| The UK →Remitly first transfer: fee waived only | £418.58 | £414.54£0.4162 per NZ$1, NZ$3.99 fee | £416.20 | 10 Nov 2026 |
| The Philippines →Remitly by bank deposit | ₱35,235.64 | ₱34,980.25₱35.05 per NZ$1, NZ$1.99 fee | ₱35,785.00 | 10 Nov 2026 |
| Samoa → | WS$1,460.45 | WS$1,433.86WS$1.4389 per NZ$1, NZ$3.50 fee | WS$1,457.30 | 11 Nov 2026 |
| Tonga → | T$1,264.74 | T$1,216.83T$1.2211 per NZ$1, NZ$3.50 fee | T$1,235.74 | 11 Nov 2026 |
| Fiji → | FJ$1,206.73 | FJ$1,224.94FJ$1.228 per NZ$1, NZ$2.49 fee | FJ$1,267.28 | 11 Nov 2026 |
Wise: amount received from NZ$1,000 paid by bank transfer, all fees included, on Wise's converter. Remitly standard: our arithmetic, its rate on NZ$1,000 less its fee. First transfer: fee waived, Remitly's welcome rate on the first part and its standard rate on the rest. Remitly shows no standard rate for the US or Australia, so they are left out.
How do Wise and Remitly price a transfer?
Wise shows its cost as a fee; Remitly puts part of its cost in the rate. What each company's own page said:
- Wise says it uses the mid-market rate, with a fee discount on transfers over NZ$44,000. Its fee is a percentage that varies by currency, so it was much larger on the Pacific routes (NZ$43.37 to NZ$61.14 on NZ$1,000) than the other routes.
- Remitly quotes its own rate; new customers get a better rate or no fee on their first transfer. Its fees on NZ$1,000 ranged from NZ$0.99 to India to NZ$3.99 to the UK.
That is why Remitly can win where Wise's percentage fee is high, as on Fiji, and lose where its own rate sits further below the mid-market rate.
Is Remitly's first-transfer offer worth using?
Once, on some routes. Remitly waives the fee on a first transfer and pays a better rate on the first part of it. Worked through on NZ$1,000, the offer beat Wise to India, the Philippines and Fiji. To the UK, Samoa and Tonga, Wise still delivered more. The offer applies to one transfer, so regular senders should compare the standard rates.
How do you compare a Wise quote with a Remitly quote?
- Quote the same amount at the same time. Both companies' rates move during the day.
- Compare what arrives. Use the recipient's amount after every fee, not the fee or the rate alone.
- Check the delivery method. A quote to a bank account, a mobile wallet or cash pickup can carry a different fee and rate.
- Check the mid-market rate. Our mid-market rate vs bank rate guide shows how to work out the margin.
This page compares published quotes on the dates shown. It doesn't recommend either provider. Country pages with bank fees and other services: send money overseas.
FAQ
What else do people ask about Wise and Remitly?
Straight answers, with the source and date for every figure.
Is Wise or Remitly cheaper for sending money from NZ?
On our quotes for NZ$1,000 in November 2026, Wise delivered more at Remitly's standard rates to India, the UK, the Philippines, Samoa and Tonga, and Remitly delivered more to Fiji. New Remitly customers did better on their first transfer to India, the Philippines and Fiji. Rates change daily, so get both quotes on the day you send.
Is Remitly's first-transfer offer better than Wise?
On some routes. Remitly waives the fee on a first transfer and pays a higher rate on the first part of it: NZ$800 to India, NZ$700 to the Philippines and NZ$400 to Samoa, Tonga and Fiji in our quotes. Worked through on NZ$1,000, that beat Wise to India, the Philippines and Fiji. It applies once, so compare the standard rates for later transfers.
How much does Remitly charge to send money from NZ?
The fee depends on the country. On NZ$1,000 in November 2026, Remitly quoted NZ$0.99 to India (to a UPI account), NZ$1.99 to the Philippines, NZ$2.49 to Fiji, NZ$3.50 to Samoa and Tonga, and NZ$3.99 to the UK, the US and Australia. Remitly also sets its own exchange rate, and it says its rates can change.
How does Wise charge to send money from NZ?
Wise says it converts at the mid-market rate and charges a percentage fee that varies by currency, with a discount on transfers over NZ$44,000. On NZ$1,000 its total fees were NZ$43.37 to Tonga, NZ$49.10 to Fiji and NZ$61.14 to Samoa on 11 November 2026. For OFX, see Wise vs OFX.