Remitly scores 4/5 for encryption, 3/5 for privacy, and 4/5 for track record. Overall safety score: 4/5.

What are the privacy concerns with Remitly?

Remitly security review covering encryption, licensing, and fraud protections for international money transfers.

Has Remitly been hacked before?

See our detailed analysis of Remitly's past security incidents and track record at The Opt-Out Project.

Is Remitly Safe? Security Review

Name: Is Remitly Safe? Security Review
Item: Remitly
Rating: 4
Author: The Opt-Out Project

Category: Payment App Company: Remitly, Inc. Reviewed February 10, 2026

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.

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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