What is Remitly One?

Remitly One is a subscription-based membership from international money transfer provider Remitly. It combines a digital wallet, debit card, rewards programme, and a "send now, pay later" feature into a single monthly plan.¹

At the time of writing, Remitly One is only available to selected customers in the United States and is not yet available in the UK. ¹ ² However, UK users researching international money transfers may still come across the service and want to understand how it works, what it costs, and whether similar alternatives are available.

This guide explains Remitly One's features, membership costs, and what UK users should know before joining a waitlist or considering alternatives.

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What is Remitly One?

Remitly One is Remitly's all-in-one financial membership, launched in September 2025. It is designed for people who regularly send money across borders and want access to additional financial tools alongside international transfers.¹

Is Remitly One available in the UK?

No. As of early 2026, Remitly One is only available to selected customers in the United States.¹ ²

Remitly has announced plans to expand the service to additional countries, but there is currently no confirmed launch date for the UK. If you're interested in the service, you can join a waitlist through Remitly to receive updates on future availability.¹

Membership overview and monthly cost

The membership costs $9.99 USD per month.¹ The amount charged in pounds depends on the exchange rate used by your payment provider at the time of billing.

Core features for international transfers

Remitly One brings together four main features:¹

• Remitly Flex: Access up to $250 USD instantly to send abroad when you're short on funds, with no interest and no credit check. Repayment is required within 90 days.
• Remitly Wallet: A stored-value wallet (not a bank account) where members can hold funds and earn annual rewards on eligible USD balances.
• Remitly Card: A debit card linked to the Remitly Wallet, currently available in early access for members, with no foreign transaction fees.
• Monthly cashback: Earn up to $5 USD per month in cashback for eligible activities such as setting up autopay.

Remitly One benefits

Send money now and pay later

Remitly Flex is one of the membership's most distinctive features. If you need to send money urgently but don't currently have the full amount available, Flex gives eligible members instant access to up to $250 USD to send abroad. There is no interest charge and no credit check required.¹

Non-members can access a more limited version of Flex, but Remitly One members receive instant access and can make multiple withdrawals up to their approved limit. First-time users may qualify for between $50 and $250 USD.¹

Standard Remitly transfer fees still apply separately from any Flex advance.

Annual rewards and cashback

Members can earn annual rewards on eligible USD balances held in the Remitly Wallet. The reward rate is variable and may change over time.¹ Rewards are calculated daily and paid weekly.

In addition, members may earn up to $5 USD in monthly cashback for qualifying actions such as enrolling in autopay or making on-time Flex repayments. Cashback is currently earned at 1% of eligible activities, capped at $5 USD per month.¹

How to use Remitly One

Setting up your account

Once Remitly One becomes available to you, the sign-up process takes place through the Remitly app:¹

1. Download the Remitly app on iOS or Android
2. Create or sign in to your Remitly account
3. Complete identity verification
4. Enrol in Remitly One
5. Add a payment method for the monthly membership fee

All features are integrated into the existing Remitly app, so no separate download is required.

Managing your wallet

The Remitly Wallet is a stored-value wallet rather than a bank account. Members can hold funds, earn rewards on eligible balances, and use wallet funds to pay for transfers.¹

When transfers are funded from a wallet balance, Remitly applies its available exchange rate for that transaction. Remitly has also announced plans to introduce additional multi-currency functionality, including support for stablecoins, although no confirmed launch date has been provided.¹

Remitly One fees and limits

Monthly subscription and transfer fees

Remitly One costs $9.99 USD per month and is billed automatically. Members can cancel at any time.¹

The subscription fee does not include money transfer fees. Transfers remain subject to Remitly's standard charges, which may include an upfront transfer fee and an exchange rate markup above the mid-market rate.¹

For UK senders using Remitly's standard transfer service, fees vary depending on the destination country, payment method, transfer amount, and delivery speed selected.³

Over a full year, a Remitly One membership costs approximately $120 USD, so it may be worth considering whether the available benefits outweigh the subscription cost.

Standard and express delivery options

Remitly generally offers two delivery speeds for international transfers:³

Delivery times vary depending on the destination country, payment method, compliance checks, and recipient payout method.

Save when you send money overseas with Wise

If you're based in the UK and want to send, hold, and spend in multiple currencies without paying a monthly subscription, the Wise account may be worth considering.

With the Wise account, you can:

• Hold and convert 40+ currencies in one account
• Get local account details in 8+ currencies to receive money from abroad
• Send money to 140+ countries at the mid-market exchange rate
• Spend in 150+ countries with the Wise debit card

The Wise account is free to open and has no monthly fee. Fees for transfers are shown upfront, and Wise uses the mid-market exchange rate.

FAQs

How much does Remitly One cost?

Remitly One costs $9.99 USD per month. The subscription includes access to member benefits such as Remitly Flex, wallet rewards, and monthly cashback. Transfer fees are charged separately.¹

Can I use Remitly One in the UK?

No. At the time of writing, Remitly One is only available to selected customers in the United States. Remitly has announced plans to expand availability, but there is currently no confirmed UK launch date.¹ ²

Does Remitly One include transfer fees?

No. The monthly membership fee only covers access to membership benefits. Standard Remitly transfer fees and exchange rate markups may still apply when sending money internationally.¹

What is Remitly Flex?

Remitly Flex is a send-now-pay-later feature that gives eligible users access to up to $250 USD for international transfers. There is no interest charge and no credit check, but the amount must be repaid within 90 days.¹

Sources used:

Sources last checked: 23 June 2026