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.
How to check your Remitly transfer
Remitly does not offer a public lookup by reference — a transfer's status is only visible to the signed-in sender inside Remitly's own app. We can't fetch it for you, so here is exactly where to find it, plus the meaning of every status further down this page.
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.