The short answer
REMITLY INC is an international digital money transfer processed through Remitly. The charge covers the principal funds sent to an overseas recipient plus any transfer fee or expedited delivery surcharge.
Check this first
Remitly, Inc. is a major digital remittance provider that enables consumers in the United States, Canada, the UK, and Europe to send money to recipients in more than 170 countries worldwide. If you see REMITLY INC, REMITLY*ONLINE, or REMITLY PAYMENTS on your credit card or checking account statement, a remittance order was executed using your payment details.
Remitly transactions generally bundle two costs into a single debit: the total dollar amount intended for the recipient and Remitly's fixed transfer fee. Depending on the delivery speed selected, Remitly offers Economy transfers (funded via bank account, taking 3 to 5 business days with lower fees) and Express transfers (funded via debit or credit card, arriving in minutes with a higher fee).
Credit card issuers frequently classify remittance transactions sent through money transfer providers as cash advances rather than retail purchases. If you funded your Remitly transfer with a credit card, check your card statement for additional Cash Advance Fee line items assessed directly by your bank.
If you authorized the transfer
- A family support transfer sent to an overseas bank account, mobile money wallet, or cash pickup location.
- An Express delivery fee added for instantaneous cross-border delivery.
- A recurring scheduled remittance transfer set up to send money on a monthly calendar date.
- A cash advance fee billed by your credit card issuer for funding money transmission.
If you did not authorize the transfer
- Log into your Remitly account or app Review your Transfer History to verify the recipient name, delivery status, reference number, and payment method used.
- Cancel pending transfers before delivery If the transfer is still processing and has not been collected by the recipient, tap Cancel Transfer inside the Remitly app for an immediate full refund.
- Report unauthorized transactions to Remitly fraud support Call Remitly 24/7 customer support at 1-888-736-4859 and alert your bank to freeze compromised cards.
Common questions about Remitly
Can I cancel a Remitly transfer and get a refund?
Yes, as long as the money has not already been deposited into the recipient's bank account or picked up in cash, you can cancel in the app for a full refund within minutes.
Why is the total on my credit card higher than what my recipient received?
Remitly charges a transfer fee, applies a currency exchange rate markup, and some credit card issuers levy separate cash advance fees for funding remittance transactions.
Independent reference — not affiliated with Remitly, Inc.. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- Remitly User Agreement and Pricing Policy https://www.remitly.com/us/en/home/agreement
- CFPB - Remittance Transfer Rule Protections https://www.consumerfinance.gov/consumer-tools/money-transfers/answers/key-terms/
Reviewed Sep 26, 2026 · high · About UnknownCharges