Remitly 转账追踪

About Remitly

• OwnerRemitly Global, Inc. (NASDAQ: RELY)
• Founded2011 in Seattle, Washington (originally Beamit Mobile)
• HeadquartersSeattle, Washington, USA
• NetworkDigital-first — no agent network. Payouts go to ~470,000 receiving partners across 170+ countries: bank accounts, mobile wallets (M-Pesa, GCash, bKash, Easypaisa, Nequi), 410,000+ cash-pickup locations (BancNet, Cebuana, MoneyGram, Western Union agents under correspondent agreements), and home delivery in select corridors.
• LicencesRemitly Inc. is licensed as a Money Transmitter in 49 US states + DC + Puerto Rico (NMLS ID 1028235). In the UK, Remitly UK Limited is authorised by the FCA as an EMI (FRN 901641). In the EU, Remitly Europe is authorised by the Central Bank of Ireland (C194753). Other licences: AUSTRAC, FINTRAC, MAS (Singapore).

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

1. Open remitly.com (or launch the Remitly app on iOS / Android) and sign in with the email and password the sender used.
2. Tap "Transactions" in the bottom nav (or "Activity" on the web). The most recent transfer is at the top.
3. 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.
4. 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

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