Remitly Transfer Tracker — Status Guide
Remitly does not publish a public transfer tracker. Status is only visible to the signed-in sender. Below we explain every status word Remitly uses, give you the exact 4-step path to find your transfer, and tell you what to do if it is delayed.
About Remitly
Why Remitly has no public tracker
Remitly is a regulated Money Service Business — by US Bank Secrecy Act and EU AMLD5 rules, transfer status is treated as KYC-protected customer data. Remitly therefore binds every status query to the sender's authenticated session and never exposes a lookup-by-reference endpoint, even with the sender's name and date of birth. The closest thing to a public tracker is the personalised tracking link that Remitly emails the receiver (token-signed, one-recipient) — that link does NOT require a Remitly login but it is unique per transfer and cannot be reverse-engineered from the transaction ID.
Step-by-step: find your Remitly transfer
- Open remitly.com (or launch the Remitly app on iOS / Android) and sign in with the email and password the sender used.
- Tap "Transactions" in the bottom nav (or "Activity" on the web). The most recent transfer is at the top.
- Tap the transfer to expand it. The timeline shows every state Remitly knows: Funds received → In transit → Delivered. If there is an "Action needed" banner at the top, follow it — that is by far the most common reason a Remitly transfer is delayed.
- If the receiver cannot find the funds even though the timeline says Delivered, tap "Help with this transfer" → "Where are the funds?" — Remitly will open a chat with a specialist who can ping the payout partner directly.
Common reasons a Remitly transfer is delayed
Typical Remitly delivery times by corridor
| Corridor / payout method | Typical time |
|---|---|
| Express — US → Mexico, Philippines, India, Colombia, Peru | Minutes (under 5 min for ~80% of Express transfers) |
| Express — US → Vietnam, Ecuador, El Salvador, Guatemala, Honduras | 15 minutes to 1 hour |
| Express — UK → India, Pakistan, Bangladesh, Nigeria, Kenya, Ghana | Minutes for mobile wallet; up to 2 hours for cash pickup |
| Economy — any corridor, ACH-funded from US bank account | 3–5 business days (waiting for ACH settlement) |
| Bank deposit — Eurozone destinations | Same business day if sent before 14:00 local EU time |
| High-risk corridor (Pakistan, Nigeria, Venezuela, Lebanon) — first transfer | Up to 24 hours pending KYC; subsequent transfers minutes-to-hours |
Fees & FX
Remitly publishes the exact fee + FX rate before you confirm — there is no hidden margin. Express transfers cost USD 2.99–4.99 in fees on top of a 0.5%–1.5% FX margin. Economy transfers are free in most corridors above a corridor-specific threshold (typically USD 1,000) and the FX margin drops to 0.3%–0.8%. First-time senders get a promotional zero-fee + better-than-mid-market rate on their first transfer (usually limited to USD 500). Card-funded transfers add a 1.5%–3% card surcharge depending on issuer.
Does Remitly use SWIFT?
Remitly does NOT touch the SWIFT network for payouts. Money moves through Remitly's pre-funded partner accounts — when you send USD from the US to Mexico, Remitly debits the sender's US bank/card via local ACH or card rails, then a Remitly Mexico subsidiary credits the receiver's account from a pre-funded peso pool. The net inter-Remitly settlement happens once or twice a day over correspondent banks, but the customer transfer itself never carries a UETR. The only exception is Remitly Business wires above USD 50,000 for some corridors, which can route over SWIFT — in that case you can track the SWIFT leg by UETR on the OhMyFin homepage.
Remitly official support channels
Remitly scam warning
What each status means
| Authorised / Funds received | Provider has confirmed the sender's payment and queued the transfer. |
| In progress / In transit | Provider is processing or routing the funds to the receiver. |
| Ready for pickup | Cash transfers waiting at the agent for the receiver to collect. |
| Delivered / Received / Completed | Receiver has the funds in their account, wallet or cash in hand. |
| Action needed / Held | Sender must take action — usually ID upload, source-of-funds question or payout-partner outage. |
Frequently asked questions
Can I track a Remitly transfer without signing in?
No. Remitly does not have a public tracker. Status is only visible to the signed-in sender on remitly.com or in the Remitly app. The receiver can use the link in the sender's confirmation email — that token-signed link shows live status without a Remitly sign-in, but it is unique per transfer and cannot be regenerated from the transaction ID.
What do Remitly statuses mean?
"Funds received" = Remitly has confirmed the sender's payment. "In transit" = Remitly has dispatched the payout to the receiver's bank/wallet/cash partner. "Delivered" = the receiver has the funds. "Action needed" = sender must respond to a KYC, ID or source-of-funds request before the transfer can proceed.
My Remitly transfer is stuck — what now?
Sign in as the sender, open the transfer, and look for the "Action needed" banner — Remitly almost always shows you what is missing (ID upload, source-of-funds question, payout-partner outage). If nothing is shown, in-app chat is the fastest channel (24/7, average wait under 2 minutes for premium corridors).
Does OhMyFin have access to my Remitly account?
No. We have no API access to Remitly. This page is purely a status guide — we never ask for your Remitly password and OhMyFin does not store any Remitly data on your behalf.
Express vs Economy — what is the difference?
Express is funded by debit card, credit card or Apple Pay / Google Pay — Remitly takes the FX risk and pays out within minutes. Economy is funded by ACH bank transfer (US) or open banking (UK/EU) — Remitly waits for settlement before paying out, so it takes 3–5 business days but the fee is usually zero.
Is Remitly cheaper than Wise or Western Union?
For amounts under ~USD 1,000 to popular corridors (US→MX, US→PH, US→IN) Remitly Economy is usually the cheapest option, beating both Wise and Western Union. For larger amounts (>USD 5,000) Wise is typically cheaper because its FX margin compresses; for cash pickup in tier-3 corridors Western Union and MoneyGram still have wider reach.