> ## Content Index > Fetch the complete content index at: https://stablecoininsider.org/llms.txt > Use this file to discover other available public pages before exploring further. # Remitly vs Wise in 2026: Fees, Exchange Rates and Limits - URL: https://stablecoininsider.org/remitly-vs-wise/ - Published: 2026-11-15T13:05:20.000Z - Updated: 2026-11-15T13:05:22.000Z - Description: Remitly vs Wise priced with live quotes on the same Sunday afternoon: what $200, $1,000 and $5,000 really cost to Mexico, India and the Philippines once the exchange rate markup is counted, why Remitly's first transfer looks so cheap, and where USDC fits. - Author: Alexandra - Tags: Fintech, Stablecoins Remitly vs Wise comes down to the corridor, the amount and whether this is your first transfer. On the live quotes Stablecoin Insider pulled on 15 November 2026, Wise was cheaper for a returning customer sending to Mexico and the Philippines, while Remitly was cheaper to India from $1,000 ([Wise pricing](https://wise.com/us/pricing/send-money), [Remitly India pricing](https://www.remitly.com/us/en/india/pricing)). Remitly also wins easily on a first transfer, because new customers get a promotional rate and no fee. Most Remitly vs Wise pages are written by one of the two companies or show a single headline fee. This guide prices nine transfers on both services at the same moment, turns the exchange rate markup into dollars, and then checks what each company's own results say about how much it earns per transfer. If you are choosing between Wise and a neobank instead, our [Wise vs Revolut comparison](https://stablecoininsider.org/wise-vs-revolut/) covers that pair. Stablecoin Insider's take: the fee is the wrong number to compare. Remitly often shows $0 or $1.99, but it earns its money in the exchange rate, while Wise shows its whole cost as a fee and uses the mid-market rate. The only fair test is how much arrives on the other side. ## Key Takeaways - Sending $1,000 to Mexico from a US bank or debit card cost about $7.67 with Wise against about $16.40 with Remitly for a returning customer, once Remitly's 1.44% rate markup is counted ([Wise](https://wise.com/us/pricing/send-money), [Remitly](https://www.remitly.com/us/en/mexico/pricing)). - To India, Remitly charges no fee from $1,000 and its rate sat only about 0.34% under mid-market, so $1,000 cost about $3.36 against $6.85 with Wise ([Remitly](https://www.remitly.com/us/en/india/pricing), [Wise](https://wise.com/us/pricing/send-money)). - Remitly's first-transfer promotion paid 18.81 pesos per dollar on the first $1,000, above the 18.5371 mid-market rate, with fees waived ([Remitly Mexico](https://www.remitly.com/us/en/mexico/pricing)). - Remitly earned a 2.09% take rate on $24.4 billion of Q3 2026 send volume, while Wise's cross-border take rate was 0.50% on $141.0 billion in H1 FY2027 ([Remitly Q3 call](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/), [Wise H1 FY27](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)). - Remitly offers cash pickup, mobile wallets and home delivery, and it lets select customers hold USDC through Circle, while Wise focuses on bank payouts and a multi-currency account ([Remitly](https://www.remitly.com/us/en/philippines/pricing), [Remitly newsroom](https://news.remitly.com/innovation/remitly-harnesses-stablecoins/), [Wise](https://wise.com/us/blog/remitly-vs-wise)). ## Remitly vs Wise at a glance Remitly is a remittance app built for sending money to family, with many payout options and a rate that includes a markup, while Wise is a multi-currency account that converts at the mid-market rate and charges a visible fee ([Wise](https://wise.com/us/blog/remitly-vs-wise), [Remitly](https://www.remitly.com/us/en/mexico/pricing)). The table sets the main US terms side by side. | Feature | Remitly | Wise | | ---------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------- | | How it prices | Flat fee by corridor plus an exchange rate markup ([Remitly](https://www.remitly.com/us/en/mexico/pricing)) | Mid-market rate plus a percentage and fixed fee ([Wise](https://wise.com/us/pricing/send-money)) | | Fee to Mexico (bank deposit) | $1.99; cash pickup $3.99 ([Remitly](https://www.remitly.com/us/en/mexico/pricing)) | About $7.67 on $1,000 by bank debit in our quote ([Wise](https://wise.com/us/pricing/send-money)) | | Fee to India | $3.99 below $1,000, $0 from $1,000 ([Remitly](https://www.remitly.com/us/en/india/pricing)) | About $6.85 on $1,000 by bank debit ([Wise](https://wise.com/us/pricing/send-money)) | | First transfer | Fee waived plus a promotional rate, capped by corridor ([Remitly](https://www.remitly.com/us/en/mexico/pricing)) | No first-transfer promotion in our quotes | | Payout options | Bank, debit card, mobile wallet, cash pickup, home delivery ([Remitly](https://www.remitly.com/us/en/philippines/pricing)) | Mainly bank accounts and Wise balances ([Wise](https://wise.com/us/blog/remitly-vs-wise)) | | Maximum from the US | Up to $300,000 per transaction since August 2026 ([Remitly](https://www.remitly.com/us/en/landing/send-limits)) | Up to $1,000,000 per wire transfer ([Wise](https://wise.com/us/blog/remitly-vs-wise)) | | Hold balances | Remitly Wallet; USDC for select Remitly One members | 40+ currencies in one account ([Wise](https://wise.com/us/blog/remitly-vs-wise)) | | Active customers | 10.3 million in Q3 2026 ([Remitly](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/)) | 16.2 million in H1 FY2027 ([Wise](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)) | ## Is Remitly or Wise cheaper? Wise was cheaper on six of the eight transfers where Stablecoin Insider had both quotes for a returning customer, and Remitly was cheaper on the two India transfers of $1,000 and $5,000\. Wise's cost was its fee alone, because it converts at the mid-market rate, while Remitly's cost was mostly the gap between its rate and mid-market ([Wise](https://wise.com/us/pricing/send-money), [Remitly](https://www.remitly.com/us/en/mexico/pricing)). The table uses Remitly's standard rate, not the first-transfer promotion, and Wise's bank debit (ACH) price with payout to a bank account. Remitly priced the Mexico and smaller Philippines transfers with debit card funding and the India and $5,000 Philippines transfers with bank funding, which is the payment method its calculator returned for each amount. | Transfer | Wise cost | Remitly cost (returning) | Remitly rate vs mid-market | Cheaper | | --------------------- | -------------- | ------------------------ | -------------------------- | ------- | | $200 to Mexico | $2.35 (1.17%) | $9.73 (4.82%) | 17.82, 3.87% below | Wise | | $1,000 to Mexico | $7.67 (0.77%) | $16.40 (1.64%) | 18.27, 1.44% below | Wise | | $5,000 to Mexico | $34.29 (0.69%) | $74.03 (1.48%) | 18.27, 1.44% below | Wise | | $200 to India | $2.16 (1.08%) | $4.66 (2.29%) | 93.96, 0.34% below | Wise | | $1,000 to India | $6.85 (0.68%) | $3.36 (0.34%) | 93.96, 0.34% below | Remitly | | $5,000 to India | $30.32 (0.61%) | $15.19 (0.30%) | 93.99, 0.30% below | Remitly | | $1,000 to Philippines | $7.46 (0.75%) | $35.51 (3.55%) | 61.65, 3.55% below | Wise | | $5,000 to Philippines | $33.69 (0.67%) | $43.01 (0.86%) | 63.37, 0.86% below | Wise | Quotes: [Wise pricing](https://wise.com/us/pricing/send-money) calculator (bank debit funding, bank payout) and Remitly calculator with fees from its [Mexico](https://www.remitly.com/us/en/mexico/pricing), [India](https://www.remitly.com/us/en/india/pricing) and [Philippines](https://www.remitly.com/us/en/philippines/pricing) pricing pages, 15 Nov 2026 about 12:50 to 13:00 UTC. Mid-market rates from Wise: USD/MXN 18.5371, USD/INR 94.2765, USD/PHP 63.9199\. Cost = dollars paid minus the mid-market value of what arrives. Calculations by Stablecoin Insider. India at $200 went to Wise only because of Remitly's $3.99 fee below $1,000\. From $1,000 the rupee route is a clear Remitly win: in rupees, $5,000 delivered 469,950 with Remitly against 468,524.04 with Wise, about 1,426 more ([Remitly India](https://www.remitly.com/us/en/india/pricing), [Wise](https://wise.com/us/pricing/send-money)). Stablecoin Insider's calculation: on Mexico the markup, not the fee, is what makes Remitly dearer. Its $1.99 bank deposit fee is only 12% of the $16.40 total cost on $1,000; the other $14.41 is the 1.44% rate gap ([Remitly Mexico](https://www.remitly.com/us/en/mexico/pricing)). A family sending $1,000 a month would pay about $197 a year with Remitly at these rates against about $92 with Wise. 💡 Stablecoin Insider's take: price the exact corridor every time. The same app was the cheapest option to India and the dearest to the Philippines on the same afternoon, so a rule like 'Wise is always cheaper' or 'Remitly has no fees' will cost you money. ## Why is Remitly's first transfer so cheap? Remitly's first transfer is cheap because new customers get a promotional exchange rate on a capped amount and the fee is waived, so the first transfer can beat the mid-market rate. To Mexico the promotional rate was 18.81 pesos on the first $1,000, against a standard 18.27 and a mid-market rate of 18.5371 ([Remitly Mexico](https://www.remitly.com/us/en/mexico/pricing)). | First transfer | Recipient gets (Remitly promo) | Recipient gets (Wise) | Remitly advantage | | --------------------------------------------- | ------------------------------ | --------------------- | ------------------- | | $1,000 to Mexico | 18,810.00 MXN | 18,394.92 MXN | About $22 more | | $1,000 to India | 94,670.00 INR | 93,630.71 INR | About $11 more | | $1,000 to Philippines | 65,470.00 PHP | 63,443.06 PHP | About $32 more | | $5,000 to Mexico (promo on first $1,000 only) | 91,890.00 MXN | 92,049.86 MXN | Wise about $9 ahead | Quotes: [Wise pricing](https://wise.com/us/pricing/send-money) calculator (bank debit funding, bank payout) and Remitly calculator with fees from its [Mexico](https://www.remitly.com/us/en/mexico/pricing), [India](https://www.remitly.com/us/en/india/pricing) and [Philippines](https://www.remitly.com/us/en/philippines/pricing) pricing pages, 15 Nov 2026 about 12:50 to 13:00 UTC. Mid-market rates from Wise: USD/MXN 18.5371, USD/INR 94.2765, USD/PHP 63.9199\. Cost = dollars paid minus the mid-market value of what arrives. Calculations by Stablecoin Insider. The promotion is capped at $1,000 for Mexico and the Philippines and at $6,000 for India in the quotes returned, and it is one per customer ([Remitly](https://www.remitly.com/us/en/mexico/pricing), [Remitly India](https://www.remitly.com/us/en/india/pricing)). After that, the standard rates in the previous table apply. Stablecoin Insider's reading: try Remitly for one transfer if the corridor suits you, then compare again on the second, which is when most people stop checking. ## How much do Remitly and Wise earn per transfer? Remitly earns about four times more per dollar sent than Wise. Remitly's Q3 2026 take rate was 2.09%, meaning revenue as a share of send volume, while Wise reported a 0.50% cross-border take rate for H1 FY2027, or 0.55% for personal customers ([Remitly Q3 call](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/), [Wise H1 FY27](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)). | Metric | Remitly (Q3 2026) | Wise (H1 FY2027) | | ------------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Period | Three months to 30 Sep 2026 | Six months to 30 Sep 2026 | | Volume | $24.4 billion send volume, up 25% ([Remitly](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/)) | $141.0 billion cross-border volume, up 24% ([Wise](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)) | | Revenue | $509.8 million ([Remitly](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/)) | $705.0 million cross-border revenue ([Wise](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)) | | Take rate | 2.09% ([Remitly](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/)) | 0.50% overall, 0.55% personal ([Wise](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)) | | Implied revenue on a $1,000 transfer | About $20.90 | About $5.00 (about $5.50 personal) | | Active customers | 10.3 million ([Remitly](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/)) | 16.2 million ([Wise](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)) | The gap is partly about who each company serves. Remitly's customers send smaller, more frequent family payments, often to cash pickup and wallets, where delivery costs more, and its average send volume per active customer was about $2,350 in the quarter ([Remitly Q3 call](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/)). Wise's figure also includes business customers, who paid a 0.38% take rate and made up $43.6 billion of its volume ([Wise H1 FY27](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)). Stablecoin Insider's take: a take rate is an average, so it does not tell you the price of your transfer, as the India quotes show. It does tell you where each business makes its money, and it explains why Remitly's management talked about a pricing engine that uses AI and machine learning to price every transaction in real time ([Remitly Q3 call](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/)). 💡 Stablecoin Insider's take: the cheapest transfer is usually the one funded straight from a bank account. Card funding pushed the Wise price up sharply in the same quote set, and paying a provider in cash now adds a federal remittance tax on top. ## Which is faster, Remitly or Wise? Both are fast for most transfers. Remitly says nearly 84% of its transfers arrive in under a minute, and Wise says 78% of its transfers are now instant ([Remitly Q3 call](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/), [Wise H1 FY27](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)). Speed for a single transfer still depends on the corridor, the payout method and any identity checks. Remitly offers a guarantee: it says transfers will be delivered on time or it refunds the fees ([Remitly](https://www.remitly.com/us/en/mexico/pricing)). Wise's comparison page notes that a currency conversion can take up to 2 days ([Wise](https://wise.com/us/blog/remitly-vs-wise)). ## Which has higher sending limits? Wise allows larger single transfers, up to $1,000,000 per wire transfer from the US, while Remitly raised its US maximum to $300,000 per transaction in August 2026 ([Wise](https://wise.com/us/blog/remitly-vs-wise), [Remitly limits](https://www.remitly.com/us/en/landing/send-limits)). Your personal limit on either service can be lower and depends on verification, payment method and destination. Large amounts also get cheaper on Wise, which applies a discount automatically once you send more than $25,000 or the equivalent in a month ([Wise pricing](https://wise.com/us/pricing/send-money)). Remitly says its limits vary by account verification level, payment method, destination country and transfer history, and that it may ask for more documents ([Remitly](https://www.remitly.com/us/en/landing/send-limits)). ## Remitly vs Wise for cash pickup and mobile wallets Remitly is the better choice when the recipient needs cash or a mobile wallet, because it pays out to bank accounts, debit cards, mobile wallets, cash pickup points and, in the Philippines, home delivery ([Remitly Philippines](https://www.remitly.com/us/en/philippines/pricing)). Wise's own comparison lists cash pickup only on the Remitly side ([Wise](https://wise.com/us/blog/remitly-vs-wise)). | Remitly delivery to the Philippines | Fee (USD to PHP) | | ----------------------------------- | ---------------- | | Bank deposit | $0 | | Debit card deposit | $0 | | Mobile wallet | $0 | | Cash pickup | $4.99 | | Home delivery | $4.99 | Source: [Remitly Philippines pricing](https://www.remitly.com/us/en/philippines/pricing), read 15 Nov 2026\. The exchange rate markup applies on top. Cash pickup is also what triggers a new US tax. Since 1 January 2026, a 1% remittance transfer tax applies when the sender pays the provider with cash, a money order or a cashier's check, not when the transfer is funded from a bank account or card ([IRS](https://www.irs.gov/newsroom/treasury-irs-issue-proposed-regulations-on-the-new-remittance-transfer-tax-established-under-the-one-big-beautiful-bill)). On a $500 cash-funded transfer that is $5 on top of the provider's own charges. ## Remitly One, Wise account and cards Wise is the better everyday account, because it holds more than 40 currencies with a debit card, while Remitly's extra features sit in Remitly One, a membership that costs $9.99 a month ([Wise](https://wise.com/us/blog/remitly-vs-wise), [Remitly](https://news.remitly.com/company-and-product-news/everything-we-announced-at-remitly-reimagine/)). Wise customers spent $27.2 billion on Wise cards in H1 FY2027 ([Wise H1 FY27](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)). Remitly One bundles Remitly Wallet, a card and other benefits, and Remitly said members get a 4% annual boost on USD balances in the wallet ([Remitly](https://news.remitly.com/company-and-product-news/everything-we-announced-at-remitly-reimagine/)). Stablecoin Insider's calculation: at $9.99 a month the membership costs $119.88 a year, so it only pays off for a sender who uses the wallet, card or credit features, not for someone who sends $300 home once a month. ## Do Remitly or Wise support stablecoins? Remitly does: it built Remitly Wallet with Circle so customers can hold USDC, added stablecoin payouts to outside wallets through Bridge, a Stripe company, and uses USDC in its own treasury to fund payout partners around the clock ([Remitly newsroom](https://news.remitly.com/innovation/remitly-harnesses-stablecoins/)). Wise's H1 FY2027 results release does not mention a stablecoin product ([Wise H1 FY27](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)). On its Q3 call, Remitly said it uses USDC to settle prefunding faster and has launched a stablecoin wallet and card for recipients in select Latin American countries ([Remitly Q3 call](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/)). Its view is that stablecoins solve the middle of the journey between treasuries, while the provider still has to run KYC, hold licences and deliver pesos, rupees or naira to the last mile. That is the same argument Western Union is making with its own dollar token, covered in our [Visa USDPT settlement explainer](https://stablecoininsider.org/visa-usdpt/). For businesses that already hold dollars on-chain, our list of [stablecoin alternatives to Wise](https://stablecoininsider.org/best-stablecoin-alternatives-to-wise-for-global-payments-in-2026/) shows where a USDC route can undercut a card-funded transfer. [Stablecoin FX vs Bank FX: What a Cross-Border Payment Really CostsHow stablecoin FX compares with bank FX on spread, fees and settlement time for cross-border payments.![](https://stablecoininsider.org/favicon.ico)Stablecoin Insider](https://stablecoininsider.org/stablecoin-fx-vs-bank-fx/) ## What rights do you have if a transfer goes wrong? For transfers sent from the US, both Remitly and Wise must follow the federal remittance transfer rule, which lets you cancel for a full refund if you ask within 30 minutes of paying and the money has not been picked up or deposited ([12 CFR 1005.34](https://www.ecfr.gov/current/title-12/chapter-X/part-1005/subpart-B/section-1005.34)). Ask the provider for the cancellation route before you send a large amount. The 30-minute window matters most on Remitly cash pickups and instant transfers, where the money can be collected quickly. Both calculators show the exchange rate, the fee and the amount the recipient gets before you pay, and that receipt is the record to keep if a dispute follows. ## Remitly vs Wise: which should you use? Use Remitly for a first transfer, for India from $1,000, and whenever the recipient needs cash pickup or a mobile wallet; use Wise for regular bank-to-bank transfers to most other corridors, large amounts and holding several currencies. The live quotes put Wise ahead on Mexico and the Philippines for a returning customer ([Wise](https://wise.com/us/pricing/send-money), [Remitly](https://www.remitly.com/us/en/mexico/pricing)). | If you want to... | Pick | Reason | | ---------------------------------- | ------------------------ | ----------------------------------------------------------- | | Send your first $1,000 | Remitly | Promotional rate and no fee on the first transfer | | Send $1,000+ to India regularly | Remitly | $0 fee and a rate about 0.3% under mid-market in our quotes | | Send monthly to Mexico by bank | Wise | About $7.67 vs $16.40 on $1,000 | | Pay out to cash or a mobile wallet | Remitly | Cash pickup, wallets and home delivery | | Move $25,000 or more | Wise | Mid-market rate, volume discount, $1M wire limit | | Hold dollars, euros and pesos | Wise | 40+ currency account and card | | Hold USDC | Remitly (select members) | Remitly Wallet with Circle | Quotes: [Wise pricing](https://wise.com/us/pricing/send-money) calculator (bank debit funding, bank payout) and Remitly calculator with fees from its [Mexico](https://www.remitly.com/us/en/mexico/pricing), [India](https://www.remitly.com/us/en/india/pricing) and [Philippines](https://www.remitly.com/us/en/philippines/pricing) pricing pages, 15 Nov 2026 about 12:50 to 13:00 UTC. Mid-market rates from Wise: USD/MXN 18.5371, USD/INR 94.2765, USD/PHP 63.9199\. Cost = dollars paid minus the mid-market value of what arrives. Calculations by Stablecoin Insider. [Compare Wise vs Revolut](https://stablecoininsider.org/wise-vs-revolut/) Stablecoin Insider's take: keep both apps. Price each transfer on both, which takes a minute, and you will usually save more than any loyalty perk is worth. For the bigger picture on corridors like India, our [India remittance corridor analysis](https://stablecoininsider.org/indias-growing-remittance-corridor/) shows why the rupee route is one of the most competitive in the world. ## FAQ #### Is Remitly or Wise cheaper? It depends on the corridor. In live quotes on 15 November 2026, Wise was cheaper to Mexico and the Philippines for a returning customer, and Remitly was cheaper to India from $1,000 ([Wise](https://wise.com/us/pricing/send-money), [Remitly](https://www.remitly.com/us/en/india/pricing)). #### Does Remitly charge a fee? Sometimes. Remitly charges $1.99 for bank deposits to Mexico and $3.99 below $1,000 to India, with no fee on the first transfer, and its exchange rate usually includes a markup ([Remitly Mexico](https://www.remitly.com/us/en/mexico/pricing), [Remitly India](https://www.remitly.com/us/en/india/pricing)). #### Does Wise use the real exchange rate? Yes. Wise converts at the mid-market rate and shows its cost as an upfront fee, with a discount once you send more than $25,000 in a month ([Wise pricing](https://wise.com/us/pricing/send-money)). #### Which is faster, Remitly or Wise? Both are usually fast. Remitly says nearly 84% of transfers arrive in under a minute and Wise says 78% are instant ([Remitly](https://www.fool.com/earnings/call-transcripts/2026/11/05/remitly-rely-q3-2026-earnings-call-transcript/), [Wise](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)). #### Can I send cash pickup with Wise? Wise is built around bank payouts, and its own comparison lists cash pickup only for Remitly ([Wise](https://wise.com/us/blog/remitly-vs-wise)). #### Can I hold USDC in Remitly or Wise? Select Remitly One members can hold USDC in Remitly Wallet, built with Circle. Wise's latest results do not mention a stablecoin product ([Remitly](https://news.remitly.com/innovation/remitly-harnesses-stablecoins/), [Wise](https://www.globenewswire.com/news-release/2026/11/12/3402135/0/en/wise-group-plc-h1-results-for-fiscal-year-2027.html)). --- Disclaimer: This article is for information and education only. It isn't financial, investment, legal or tax advice, and it isn't advice to buy or sell Remitly or Wise shares, USDC or any other crypto asset or stablecoin, or a recommendation to use any money transfer service. Quotes were taken from Remitly's and Wise's public pricing tools on Sunday 15 November 2026 between about 12:50 and 13:00 UTC, when currency markets were closed, and they change through the day and by payment method, amount and account history. Always compare the final amount your recipient gets on both services before you send.