Is Remitly Safe? Security Review
4/5
Overall Safety Score
★
★
★
★
★
Verdict: Remitly is a safe and well-regulated service for international remittances. Its security infrastructure is solid, and it has maintained a clean track record.
Remitly is a digital remittance service focused on international money transfers, primarily serving immigrants sending money home. It is licensed in all US states and regulated by financial authorities.
Security Ratings Breakdown
| Category | Score | Rating |
|---|---|---|
| Encryption | 4/5 | |
| Privacy | 3/5 | |
| Track Record | 4/5 |
Security Features
- 256-bit SSL/TLS encryption
- Licensed money transmitter in all US states
- Biometric authentication
- Transaction monitoring and fraud detection
- Identity verification via KYC
- Delivery guarantees with refund policy
Privacy Concerns
- Collects sensitive identity and financial documents
- Shares data with transfer corridor partners in destination countries
- Marketing communications enabled by default
Past Security Incidents
- No major publicly disclosed security breaches as of 2025
- Some customer complaints about account holds and verification delays
How to Stay Safe Using Remitly
- Verify recipient information carefully
- Enable biometric login
- Use a unique password for your Remitly account
- Monitor transfer status and confirmation emails
Safer Alternatives
- Wise (transparent fees, multi-currency)
- WorldRemit (wide country coverage)
- Western Union (physical pickup option)
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Last updated: February 10, 2026