WorldRemit Terms of Service

Item: WorldRemit
Rating: 48
Author: Terms.Law Editorial Team

Last updated: November 2025 | Reviewed: February 2026

Wide destination coverage but less competitive rates. Broad cancellation rights and limited dispute resolution capabilities create user uncertainty.

Grade C

Terms Summary: WorldRemit operates in 130+ countries, making it valuable for less common remittance corridors. However, their terms grant broad rights to cancel or modify transfers, exchange rates include undisclosed margins, and dispute resolution options are limited. Their liability limitations are more expansive than competitors.

Category Scores

Rate Transparency 45/100

Fee Clarity 55/100

Fund Protection 42/100

Account Termination 48/100

Dispute Resolution 40/100

Key Findings

✓ Extensive Country Coverage

WorldRemit covers over 130 receiving countries with multiple payout options. This is especially valuable for less common corridors where competitors like Wise may not operate.

"WorldRemit allows you to send money to over 130 countries worldwide with various payout options including bank transfer, mobile money, cash pickup, and airtime top-up."

⚠ Broad Transfer Cancellation Rights

WorldRemit reserves extensive rights to cancel, delay, or refuse transfers without obligation to complete them. Reasons can include compliance concerns, technical issues, or their own discretion.

"We may cancel, refuse, or delay a transfer at any time if we believe it violates our policies, applicable laws, or if we're unable to complete it for any reason. We will refund the principal amount minus any costs incurred."

⚠ Exchange Rate Margins Not Disclosed

WorldRemit's exchange rates include their margin, but they don't disclose how much they mark up from the mid-market rate. Independent comparisons show margins of 1-3% depending on the corridor.

"The exchange rate applicable to your transfer will be displayed before you confirm. Exchange rates may fluctuate and the rate locked in at confirmation will apply."

⚠ Limited Liability for Delays

WorldRemit limits liability for transfer delays significantly. They are not responsible for delays caused by third-party payout partners, banks, or recipient-side issues, which covers most delay scenarios.

"We shall not be liable for any delays in delivery caused by our payout partners, recipient banks, mobile network operators, or factors outside our control."

⚠ Weak Dispute Resolution

WorldRemit's dispute process heavily favors the company. Internal complaints have limited escalation options, and mandatory arbitration in some jurisdictions waives class action rights.

"Any disputes arising from these Terms shall be resolved through binding arbitration. You agree to waive any right to a jury trial or to participate in a class action lawsuit."

Terms Comparison

Feature	WorldRemit	Industry Standard
Country Coverage	130+ countries	70-100 typical
Rate Transparency	Margin undisclosed	Similar
Cancellation Rights	Very broad	Broad
Delay Liability	Very limited	Limited
Arbitration Clause	Mandatory	Common

Recommendation

Use for Unique Corridors: WorldRemit is valuable when sending to countries not well-served by Wise or Remitly. Their mobile money and airtime top-up options are useful in regions where these are preferred.

What to Watch: Always compare effective rates to Wise before sending - the difference can be significant. Don't rely on WorldRemit for time-critical transfers due to their broad cancellation rights and limited delay liability. Keep records of all transactions in case disputes arise.