Millions trust Wise, Remitly, Western Union, and MoneyGram — but are they really the cheapest?
Let’s check using plain language.
1. The Exchange Rate Trick
Big remittance apps show “zero fee” but quietly reduce the rate.
Example:
Google: ₹90 = $1
Wise/Remitly often: ₹88–₹89
That ₹1–2 difference per dollar is the real fee — meaning you lose money.
2. Additional Service Fee
Wise/Remitly typically add:
- transfer fee
- service fee
- compliance fee
- card surcharge
Result: your family receives less.
Fiat2Fiat Difference: Simple & Fair
- ✔ Google market rate
- ✔ only one minimal transparent commission
- ✔ instant settlement (not 24–48 hours)
That’s why people switching to Fiat2Fiat.com see 2–10% more value per transfer.
3. Delivery speed
Wise & Remitly show “Instant,” but often:
- ● UPI limit applied
- ● bank reviews
- ● 2–24 hour delays
Fiat2Fiat delivers within 5–30 minutes — always.
4. Summary Table
| Feature | Wise / Remitly / MG | Fiat2Fiat |
|---|---|---|
| Exchange rate | Below Google rate | Google live rate |
| Fee | Multiple extra fees | Lowest market fee |
| Speed | Up to 24 hours | 5–30 minutes |
| Options | Bank only | Bank + Crypto payment |
👉 If you want faster transfers, more INR/PKR, and transparent pricing, Fiat2Fiat is the simplest option.