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About WorldRemit

• OwnerWorldRemit Limited, part of Zepz Group (also owns Sendwave)
• Founded2010 in London by Ismail Ahmed (a former UN economist born in Somaliland) — built initially to serve African remittance corridors
• HeadquartersLondon, United Kingdom (head office); regional hubs in Denver, Manila, Sydney, Kraków
• NetworkDigital-first — payouts via 130+ mobile-money wallets (M-Pesa, Airtel Money, MTN MoMo, GCash, bKash, EcoCash, Wave), 90,000+ cash-pickup locations (mostly Western Union and MoneyGram agents under correspondent agreements, plus local networks like Cebuana, MasterCard cashout, Multibank), bank-account deposit in 130+ countries, mobile airtime top-up in 150+ countries, and home delivery in select African and Asian corridors.
• LicencesWorldRemit Ltd is authorised by the UK Financial Conduct Authority as an EMI (FRN 900891). In the US, WorldRemit Corp holds Money Transmitter licences in every state where required (NMLS ID 1480736). Other licences: FINTRAC (Canada), AUSTRAC (Australia), Central Bank of Ireland (E5613), MAS (Singapore PSL licence), DNB (Netherlands). WorldRemit is a member of the UK Joint Money Laundering Steering Group.

Why WorldRemit has no public tracker

WorldRemit, like every regulated UK EMI, treats transfer status as KYC-protected personal data under UK GDPR and the FCA's SYSC sourcebook. The only way to query status is therefore an authenticated session in the sender's WorldRemit account (or the unique tracking link WorldRemit emails the receiver, which is token-signed and recipient-specific). There is no public lookup-by-reference endpoint and there will never be one — exposing it would be a regulatory breach.

Step-by-step: find your WorldRemit transfer

1. Go to worldremit.com (or open the WorldRemit app on iOS / Android) and sign in with the email + password the sender used.
2. On the dashboard you will land on, tap "Transactions" (or "Sent transfers" on the web). Newest at the top.
3. Tap the relevant transfer to expand the timeline. WorldRemit shows each state: Authorised → In progress → Cash ready for collection (cash-pickup) or Completed (bank/wallet). An exclamation mark next to the transfer means WorldRemit needs something from you — tap to resolve.
4. If the receiver has not got the funds despite a "Completed" status, tap "Get help with this transfer" → "Where is my money?" — WorldRemit support will ping the payout partner directly. Average response time inside the app is under 4 minutes during waking hours in the receiver's time zone.

Common reasons a WorldRemit transfer is delayed

Typical WorldRemit delivery times by corridor

Fees & FX

WorldRemit displays the exact fee + locked FX rate before you confirm — there is no hidden margin. Typical fees: GBP 0.99–3.99 for mobile money and cash pickup; bank deposit often free for amounts above a corridor-specific threshold. The FX margin is typically 0.5%–2.5% off mid-market depending on corridor — tighter than Western Union for Africa and Asia, wider than Wise for the major-currency pairs (GBP↔EUR, GBP↔USD). First-time senders typically get a zero-fee + better-than-mid-market promo on their first three transfers.

Does WorldRemit use SWIFT?

WorldRemit does NOT use SWIFT for the customer-facing leg. WorldRemit holds pre-funded local accounts (via its Zepz treasury) in every destination country and credits the receiver from that pool. SWIFT only enters the picture in the background when Zepz settles net positions with its banking partners — typically a daily or twice-daily sweep that does NOT carry per-customer UETRs. If you specifically need a SWIFT wire (e.g. paying an international invoice in USD where the receiver insists on a wire), WorldRemit is not the right product — use your bank or a fintech that explicitly offers SWIFT wires, then track the UETR on the OhMyFin homepage.

WorldRemit official support channels

WorldRemit scam warning