Remitly transfer limits [2026]: Complete guide
You can make Remitly transfers to 170+ countries globally, but knowing the limits which apply is important if you have a big payment coming up.
This guide covers all you need to know, plus a few Remitly alternatives which may have higher limits, mid-market rates or 24/7 phone services.
Quick summary: Does Remitly have limits?
| 💡 Remitly transfer limits: Important points to know | |
|---|---|
| ⚠️Remitly limits are based on the country you live in | Send up to 170,000 NZD per payment from New Zealand |
| 💳Additional limits can apply on Remitly payments | Other limits may apply based on the receiving method and country |
| 🌍Remitly exchange rates for transfers may have a markup | Rates used can include a variable markup |
| ➡️Remitly doesn’t offer customers a receiving account of its own | Receive Remitly payments to your bank in New Zealand |
Can you send high value international transfers with Remitly? 🤔
Yes. There are Remitly transfer limits based on the country you live in, the way you pay and the way the recipient gets the money.
The Remitly New Zealand limit is fairly high at 170,000 NZD per payment, but lower limits may apply on some payments.
Is Remitly safe for large amount transfers? 🔐
Yes. Remitly is a reputable provider which is safe to use with normal precautions.
| Remitly large transfers pros | Remitly large transfers cons |
|---|---|
| ✅Send up to 170,000 NZD/payment
✅Payments to 170+ countries ✅ Good selection of pay out methods ✅ 24/7 English langage support available |
❌Variable exchange rate markups apply
❌Fees depend on the payment type and value ❌ Delivery times can change depending on how you pay |
For a high value digital payment you may consider Wise and OFX as alternatives, which may have lower overall costs and higher limits on your payments – we’ll cover more on them later.
Remitly maximum transfer limits 💡
| ☀️ Remitly per transfer limit | 170,000 NZD |
| 💻 Variable Remitly transfer limits | Other limits may apply depending on the country and currency you send to |
| ⬇️ Remitly receiving limit | Remitly does not offer a receiving account; payments are received to your bank in New Zealand |
Alternatives to Remitly with higher transfer limits
Remitly has quite high transfer limits – but there are other providers which may suit you if you need to send more, or if you’re looking for other perks like better rates on high value payments, or a 24/7 phone brokerage service. Here are some suggestions:
| Providers | 🎯 International transfer limits | 🌍 Coverage | 💰 Transfer fees & exchange rates | 📥 Transfer methods |
|---|---|---|---|---|
| Remitly | Up to 170,000 NZD | Send to 170+ countries | Variable fees, exchange rates are likely to include a markup | Send online and in app |
| Wise | Up to 2.2 million NZD | Send to 140+ countries | Low variable fees, mid-market exchange rates | Send online and in app |
| Revolut | Limits apply which can not be seen in advance | Send to 150+ countries | Variable fees, weekday exchange with the Revolut rate to plan limit; out of hours and fair usage fees may apply | Send online and in app |
| OFX | Unlimited | Send to 170 countries | 12 NZD fee for payments under 10,000 NZD (personal customers), exchange rates may include a markup | Send online, in app and by phone |
Details correct at time of research – 26th May 2026 *Other limits may be applied based on your specific transfer, receiving country, and registered address
Wise
Wise is a specialist in international transfers and multi-currency accounts for personal and business customers.
Wise offers low cost currency conversion and cross border payments to 140+ countries.
Wise transfer limits are high – up to 2.2 million NZD when sending in dollars, depending on the payment method – and there are fee discounts on high value payments over 44,000 NZD.
- 🌍Send payments to 140+ countries, in a broad range of international currencies
- 💳 Currency conversion uses the mid-market exchange rate with low, transparent fees for payments
- 💡Discounted fees on higher value transfers, or if you make multiple transfers in a month which aggregate over 44,000 NZD in value
| 🎯 Wise pricing & limits | |
|---|---|
| 🎯 Wise outgoing wire transfer limits | Up to 2.2 million NZD |
| 💰 Transfer fees | Low, variable fees based on the currency, with discounts on high value transfers |
| 💱 Wise exchange rates | Mid-market exchange rates. |
| 📥 Incoming wire transfer limits | Often unlimited – limits may vary depending on the currency received |
| ⬇️ Incoming transfer fees | No fee with local account details. Low fees apply for incoming wire and SWIFT payments, depending on the currency received |
*Details correct at time of research – 26th May 2026
Revolut
Revolut offers several different account tiers to customers in New Zealand, which all have varying fees and exchange rate options for international transfers. All accounts have some currency exchange monthly which uses the Revolut rate Monday to Friday, before adding any additional fees.
Once you exceed your plan limit or at a weekend you may pay more.
Outward payment limits are not stated, but if you ever run into a limit you’ll be notified in the Revolut app.
Similarly there’s no limit on the value of transfers you can receive to Revolut – but annual caps on the amount you can hold in your account may mean very large payments are unavailable.
- 🎯You’re notified of limits as and when they apply to you
- 🌍Payments available to 150+ countries
- 💳 Various payment options available, including account balance and linked cards
| 🎯 Revolut pricing & limits | |
|---|---|
| 🎯 Revolut outgoing wire transfer limits | Outgoing transfer limit can not be seen in advance – if you hit a limit when processing a payment you’ll receive a notification |
| 💰 Transfer fees | Variable fees based on country, value and plan type |
| 💱 Revolut exchange rates | Weekday exchange using the Revolut rate to plan limit, then fair usage fees of up to 0.5% apply. Weekend fees of up to 1% may apply depending on when you convert |
| 📥 Incoming wire transfer limits | No maximum payment limit, but annual limits apply which cannot be checked in advance |
| ⬇️ Incoming transfer fees | No fee |
*Details correct at time of research – 26th May 2026
OFX
OFX is well known for great customer service, and offers a 24/7 phone service to customers around the world.
OFX personal and business customers can make international transfers in 50+ currencies, and access currency risk management products too.
Payments are usually unlimited, with no transfer fee for personal customers sending over 10,000 NZD in a payment – an exchange rate markup will apply.
- ➡️ Send to a huge range of countries, in 50+ currencies
- ⏰24/7 personal phone service
- ⚠️One off and recurring international transfers available
| 🎯 OFX pricing & limits | |
|---|---|
| 🎯 OFX outgoing wire transfer limits | No outgoing transfer limit |
| 💰 Transfer fees | No OFX fee for personal customers sending over 10,000 NZD – 12 NZD fee below this value
Up to 10 NZD per transfer for business customers |
| 💱 OFX exchange rates | Exchange rates may include a markup |
| 📥 Incoming wire transfer limits | OFX does not offer a personal account to receive payments; business customers can receive payments with no stated limit |
| ⬇️ Incoming transfer fees | OFX does not offer a personal account to receive payments; business customers can receive domestic transfers with no fee, or 5 NZD for SWIFT and wire payments |
*Details correct at time of research – 26th May 2026
Remitly high amount transfer fees 💰
Remitly transfer fees depend on various factors including:
- The country and currency you’re sending to
- The way the recipient gets the money
- How you want to pay
- The value of the transfer
You’ll be able to see the fee for your specific payment when you model it in the Remitly app or online.
Remitly exchange rate for international transfers
Remitly exchange rates may include a variable markup – a fee added to the mid-market rate to calculate the retail rate you’re offered. Learn more about Remitly’s exchange rates in their app or online.
Exchange rates for high amount transfers are especially important because even small % markups can result in high and unexpected costs. Providers like Wise and OFX might be able to offer a better rate – which can mean they’re cheaper for your payment in the end.
How long do large transfers take with Remitly? ⏳
The delivery time for payments made with Remitly depends on the country and currency you’re sending to, how you choose to pay, how the recipient will get their money and other factors.
Some factors – such as your recipient’s own bank processes are out of Remitly’s control.
Some Remitly payments let you select either an Express or Economy transfer. Choose Express if you want the fastest available payment method.
How to send a large amount transfer with Remitly
💻Send online: You can set up your Remitly account and payment on the Remitly desktop site and use your Visa or Mastercard credit, debit or prepaid card to fund the transfer
📱Send in the Remitly app: You can also arrange Remitly payment using the Remitly app so all you need is your phone and the card you want to pay with
Information needed to send large amounts of money with Remitly 📎
| 📂 Required information to send high amounts of money 📌 |
|---|
Sending to a bank account:
When sending for cash collection you need to know the recipient’s full name as shown on their government issued ID document. |
Is it possible to increase remittance limits?
In the past Remitly had a tiered sending limit process which means you could qualify for a higher limit by completing certain verification actions.
When the limits were changed most customers automatically moved onto the new Remitly limits. However, if you have not yet been set up with the new Remitly NZD payment limit you may be able to increase your Remitly transfer limit by checking and updating information about yourself and your payments, and providing some additional ID and address documents.
How to increase Remitly wire transfer limits
To increase your Remitly limit you may be asked to give Remitly some more information about how you use their services, or provide additional documents such as:
- Your passport or other government-issued ID
- Proof of address documents like utility bills
- Proof of source of funding documents like bank statements or pay slips
How to receive large international transfers with Remitly 📥
🌍 If you’re based in New Zealand and receiving a payment through Remitly it’ll be deposited into your bank account. Remitly does not offer a holding account of its own, and New Zealand customers can not receive payments as cash or to mobile wallets.
⚠️ Before receiving a payment to your bank through Remitly, you’ll need to pass the sender your full name and account number and the relevant SWIFT code. SWIFT codes may vary so check yours online or in a branch before the payment is sent.
Alternatives to Remitly for receiving large payments
| ➡️ Wise Account: | Receive payments with account details in 20+ currencies, often with no limit on the incoming transfer amount. |
| ➡️ Revolut Account: | Receive payments in NZD and EUR with local account information, and SWIFT transfers in around 25 other supported currencies. |
Remitly business payments limits
Remitly doesn’t support business accounts and payments for customers in New Zealand.
Remitly does have business services for customers based in the US, UK and Canada.
If you need to send money for business purposes, you can look into alternatives such as Wise or OFX, both providers offer different services for international business payments.
💡 Learn more on this guide: Best international money transfer services for business
Remitly customer support for high amount transfers 📞
Remitly offers customer support in English 24/7, with a selection of contact options and alternative languages available if you prefer.
| 📌 Remitly contact information |
|---|
| 📞 +64 800 032 037 💻 Open a chat from the Remitly app or desktop site |
Sources
(Information last checked on 26th may 2026)
- Remitly New Zealand
- Remitly FAQ – how much can I send?
