Remitly large transfers and transfer limits in the UK (2026)

Need to send a large payment in the UK? You might be buying a house or a car, having building work done or moving money between your own bank accounts.

Whatever the reason, you’ll need to know how to transfer money safely, quickly and conveniently - and without large fees.

In this guide, we’ll take a look at how large payments work with Remitly, a popular digital money transfer company in the UK. We’ll show you how to set up a transfer, and give you the lowdown on Remitly transfer limits, fees, timescales and security measures.

We’ll also introduce a smart and cost-effective way to send large sums internationally from the money services provider Wise. Over 14.8 million people worldwide use Wise to move £36 billion every quarter.

With low, transparent fees, great mid-market exchange rates, and secure, trackable transfers, Wise makes international money transfers simple and stress-free. Plus, you’ll get dedicated support and volume discounts when sending large amounts. On a £50,000 transfer, you could save up to £1,000 with Wise vs your bank.

Get expert support for your large transfer 📞

Can you send large transfers with Remitly?

Yes, you can send large transfers with Remitly. You can do it online or via the Remitly mobile app, sending up to £75,000 in a single transaction.¹

For international transfers, the limit may vary depending on the country and delivery method. Sending limits can also change based on fluctuations in exchange rates.

It’s also useful to know that large transfers may take slightly longer to be processed, as extra security and anti-fraud checks will need to be carried out. You may be asked for further documentation, such as proof of ID and details of the source of the funds and the reason for making the transfer.

And of course, you’ll also need to have a Remitly account before you can send money.

Remitly transfer limits

There’s only one transfer limit you need to know about with Remitly. This is the limit of up to £75,000 per payment.¹

If you need to send more money, it may be possible to send another payment up to £75,000 - you’ll need to check in the app when you start setting up your payment. This way, you can split one larger payment into smaller ones. You’ll need to let your recipient know if you plan to do this.

Remitly’s transfer limits can’t be changed, and the company reserves the right to limit payments if it suspects fraud or for another reason. It may also get in touch to ask for more information or documentation, especially for large payments.

What’s the maximum amount you can send with Remitly?

The maximum limit for sending Remitly money transfers is £75,000.¹

Can you send multiple large transfers per day?

It’s likely that you’ll be able to send multiple large transfers per day with Remitly, as it only specifies a maximum limit per transfer.

There’s a chance that extra security checks may need to be made (as multiple, frequent payments can trigger fraud monitoring alerts) but the provider will contact you if this is the case.

Remitly large amount transfer fees and costs

So, how much does it cost to send Remitly large transfers in the UK?

Just like with transfer times, Remitly doesn’t make this information available upfront. This is because fees aren’t fixed - they vary depending on the details on your transfer, such as destination and receiving method.

To check the Remitly transfer fee, you’ll need to start setting up a transfer in the platform’s app or online.

When sending an overseas transfer with Remitly, you’ll also need to check the exchange rate - as well as the transfer fee you see upfront.

Remitly uses its own exchange rates, which may include a mark-up.² This can make the transfer more expensive for you, but you should be able to check the rates upfront before you send.

Wise – A low-cost, transparent alternative for international transfers

Large amount international transfers can be complex and get expensive with hidden fees. High street banks often add a markup to the exchange rate, which can be costly on large sums.

The Wise account, from the money services provider Wise, offers a modern alternative. You’ll get the mid-market exchange rate (close to the one you see on Google) with no hidden markups and low, transparent fees. On a £50,000 transfer, you could save up to £1,000 with Wise vs your bank.

It's not a bank account but offers some similar features, and your money is safeguarded.

**Investments in funds are never guaranteed and your capital can be at risk. In the UK, Interest and Stocks are provided by Wise Assets — this is the trading name of Wise Assets UK Ltd, a subsidiary of Wise. Wise Assets UK Ltd is authorised as an investment firm and regulated by the Financial Conduct Authority (FCA). Our FCA number is 839689. We do not give investment advice, and you may be subject to pay tax. If you're not sure, seek qualified advice. You can find more information about the funds on our website.

How to transfer large amounts with Remitly: Step-by-step process

Now, let’s take a look at how you’ll actually go about sending a large transfer with Remitly.

Before you do anything, you’ll need to have a few details ready for your recipient.

Here’s what you’ll usually need to provide, including details for sending money abroad:

• The recipient’s name as it appears on their bank account
• Their bank account number and sort code
• The type of account (personal or business)
• The International Bank Account Number (IBAN) - for international transfers
• The SWIFT/BIC code for their bank - for international transfers.

To make your payment, simply follow these steps:³

1. Login to the Remitly app or sign in online at Remitly.com
2. Select the country you want to send money to
3. Enter the amount you want to transfer
4. Choose your delivery method - for example, bank transfer, or cash pickup (not all methods are available in all countries)
5. Enter your recipient’s details
6. Check that you’re happy with the fee and exchange rate - this will be clearly displayed on-screen
7. Confirm the transfer
8. Pay for your transfer by selecting a payment method - choose from Faster Payment, debit card, credit card or Apple Pay.

After you’ve set up your transfer, you’ll be given a tracking number so you can keep an eye on progress and see when it’ll arrive.

Made a mistake? Read our handy guide to cancelling Remitly payments.

Is Remitly safe for large payments?

Remitly isn’t a licensed UK bank, but it is licensed in the UK as a payment services provider.

In order to meet requirements, it is required to use security measures to keep your money and transfers safe.

This includes:

• Account verification - Remitly takes steps to verify new accounts and users, to ensure high levels of security and protection.
• Password security - this includes using a secure server connection for logins, which uses Secure Socket Layer (SSL) with 256-bit encryption.
• Manual and automated risk management procedures - these are designed to identify suspicious activities.
• Spending limits - which cap the amount you can send at once.

It will also refund your transfer fees if you’re not 100% satisfied, as well as offering a Perfect Delivery Promise. This gives you an exact date and time when your transfer will be delivered.⁴

Additionally, you can track Remitly transfers, and receive notifications so you know where your payment is up to.

However, it’s always wise to take precautionary steps to protect yourself when sending a large sum. These include:

• Double-check the recipient’s bank details.
• Avoid sending money to people you don’t know.
• Never feel pressured into sending a payment - it could be a scam.
• Avoid sharing your online or mobile banking details with anyone.

How long do large transfers take with Remitly?

Remitly transfer times vary depending on your chosen transfer method, the country you’re sending to and the receiving method.

The platform doesn’t make transfer times available upfront, but you will be able to check by logging into Remitly online or via the app and starting to set up your transfer. It’ll show you available transfer options and the estimated delivery time for each, so you can choose your preferred option.

Key takeaways

• You can send up to £75,000 in a single transaction via the Remitly website or mobile app, though limits may vary depending on the destination country and delivery method.
• Remitly sets its own exchange rates, which typically include a markup on the mid-market rate; you should check both the upfront fee and the rate in the app before confirming.
• For large transfers, Remitly may require additional documentation, such as proof of identity or evidence of the source of funds, to comply with anti-fraud regulations.
• It is often possible to send multiple large transfers in a single day, though frequent high-value payments may trigger additional security reviews or fraud monitoring alerts.
• The "Perfect Delivery Promise" provides an exact date and time for when the transfer will arrive, and Remitly offers a refund on fees if you are not 100% satisfied.
• Every transfer is assigned a tracking number, allowing you to monitor the progress of the funds and see when they will be delivered in real-time.

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Sources used:

1. Remitly - Send limits
2. Remitly - User Agreement
3. Remitly - A clear guide to using Remitly
4. Remitly - Help - Why should I trust Remitly?

Sources last checked on date: 02-Mar-2026