Remitly operates as a digital remittance platform designed to facilitate international money transfers through mobile devices. The service positions itself in the competitive fintech market by emphasizing accessibility, transparent pricing, and extensive global coverage for both senders and recipients. The platform's core functionality includes support for over 100 currencies with real-time exchange rates, multiple transfer speed options (including expedited transfers completing within hours), and diverse delivery methods including direct bank deposits, mobile wallet transfers, and cash pickup at approximately 470,000 locations worldwide. Security measures incorporate encryption protocols, identity verification systems, and transaction monitoring to protect user funds and data throughout the transfer process. User experience demonstrates thoughtful design with an intuitive interface that guides users through the transfer process step-by-step. The application provides real-time tracking capabilities, notification systems for transaction status updates, and clear fee breakdowns before transaction confirmation. Real-world usage patterns show particular strength in recurring transfers between family members across borders, with many users establishing predictable sending routines through the platform. User feedback consistently highlights reliability and customer service responsiveness. Multiple reviews from July 2025, including those from Cyrus Mody, note successful transfers to Asian countries like Nepal with delivery within hours. Another user identified as J R reported superior experience compared to competitors after address verification issues with alternative services. These reviews specifically praise the interface design and customer support responsiveness when handling larger transactions or verification requirements. The platform demonstrates notable strengths in transfer speed and global reach, though some limitations exist regarding transfer limits and country-specific restrictions. Ideal use cases include regular remittances to family members abroad, emergency fund transfers requiring rapid delivery, and situations where recipients prefer cash pickup options rather than bank deposits. The service particularly suits users seeking predictable pricing and transparent fee structures for international money movement.