As of October 2026, Remitly's US landing page says customers can send up to 300,000 USD in a single transaction from the United States, a ceiling it says took effect in August 2026, per Remitly's send limits page. Your own Remitly limit can be lower. It depends on identity verification, payment method, destination country, delivery method and transfer history, and Remitly shows the figure that applies to you before you confirm a transfer.
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Remitly no longer uses the old Tier 1, Tier 2 and Tier 3 structure. Its help article on sending limits says customers who were previously Tier 2 or Tier 3 are all moving to the new sending limits. The sections below cover the current caps, what changed with the tiers, how to raise a limit, and what happens around the $10,000 mark with US reporting rules.
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Remitly publishes a maximum US sending limit, then applies a personal limit that can sit below it. The maximum is a ceiling, not an allowance everyone gets. Verification level, the payment method, the destination country, the delivery method and past transfer history all shape the amount you see in the app before you confirm a transfer.
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The Remitly send limits page states that the current maximum from the United States is 300,000 USD and that this applies as of August 2026. Your own limit depends on verification status, so the amount shown in your account before you pay is the number to trust.
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Remitly also notes on its landing page that limits may change with exchange rate movements and that additional documentation may be requested.
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Remitly used to group customers into numbered tiers, with higher tiers unlocked by sharing more information. That structure has been replaced by a single set of sending limits per sending country, with your personal amount depending on verification. Most existing customers move to the new limits automatically, and Remitly asks for information only when it needs it.
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According to Remitly's help article, customers who were previously Tier 2 or Tier 3 are all moving to the new sending limits. The same page says most existing customers will automatically qualify without taking any action, and that Remitly will reach out if it needs more information to verify identity or income. Searches for "Remitly tier 1 limit" or "tier 3 limit" therefore point to a system Remitly has retired.
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Remitly lists a per transfer sending limit for each country it sends from, in that country's currency. The table below reproduces Remitly's published figures as fetched this month. Receiving country rules and delivery methods can lower the amount further, and verification status determines whether you can reach the listed figure.

The full list on Remitly's help page also covers the Czech Republic, Denmark, Israel, Liechtenstein, New Zealand, Norway, Poland, Romania and Sweden. Remitly says its Eurozone figure applies to sending from Austria, Belgium, Cyprus, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Malta, Netherlands, Portugal, Slovakia and Spain.
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For most US customers, a transfer of that size sits far below the published per transfer ceiling. Whether it goes through depends on your account limit, which Remitly displays before payment, and on any cap set by the destination country or delivery method. A new account may be asked for identity details before larger amounts are allowed.
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Remitly's US send limits page says the per transfer maximum depends on account verification level, delivery method such as cash pickup or bank deposit, and the destination country, and that the current per transfer limit is shown automatically when you set up a transfer. If a receiving country or delivery location caps what a recipient can collect, the help article says Remitly will tell you so you can change the amount. What a $1,000 transfer costs is covered in our Remitly fees breakdown.
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Raising a Remitly limit means giving Remitly more information so it can verify who you are and where the money comes from. Requests range from basic personal details to income documents. Remitly frames these checks as part of complying with financial regulations, and the exact list depends on your situation and the amount you want to send.
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Remitly's help article lists the information it may ask for:

The send limits page adds that providing additional verification may let you increase your send limit when you need to send more.
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Sending a large amount through Remitly is allowed if your account limit covers it. The threshold people worry about comes from federal currency reporting rules, which apply to cash transactions at financial institutions. Separate federal recordkeeping rules apply to money transmitters at a lower threshold, and splitting transfers to dodge reporting is illegal.
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FinCEN's Currency Transaction Report reference guide says financial institutions must report currency (cash or coin) transactions over $10,000 by or for one person, including multiple cash transactions that add up to more than $10,000 in a single day. The same FinCEN guide says there is no general prohibition on handling large amounts of currency, and that a report is filed regardless of the reason for the transaction.
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Federal recordkeeping rules for nonbank financial institutions start lower. Under 31 CFR 1010.410, institutions other than banks must keep specific records for a transmittal of funds of $3,000 or more. This is a record the provider keeps, not a tax bill for the sender.
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Breaking a large amount into smaller transfers to avoid a report is called structuring. FinCEN's guide states it is a federal crime punishable by up to five years in prison and a fine of up to $250,000.
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Sending money abroad is not itself a taxable event for the sender, but large gifts can create a federal gift tax filing question. The IRS sets an annual exclusion per recipient, and gifts above it may need a return. Remitly also states that a new US remittance tax does not apply to its digital transfers.
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The IRS gift tax FAQ says the donor is generally responsible for paying gift tax and lists an annual exclusion of $19,000 per recipient for gifts made in 2026. On remittance tax, Remitly's send limits page says the 1% remittance tax does not apply to digital transfers sent with Remitly. Tax treatment depends on your circumstances, so a tax professional is the right source for a specific case.
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This page covers Remitly's published sending limits, the end of its tier system, and the federal reporting rules that apply to large transfers. It does not cover per corridor fees, exchange rate margins, delivery times, Remitly Business limits or receiving limits in each destination country, which Remitly shows inside the app.
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Related: Remitly Fees. For a side by side look at limits and features against another provider, see Remitly vs Wise. For company background, see Who Owns Remitly, and for comparable caps on a domestic app, see Venmo Limits and Zelle Limits.
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Every limit and rule in this article comes from primary pages fetched via Firecrawl on October 21, 2026. Where two provider pages disagreed, both figures are shown with links rather than one being picked. Limits can change at the provider's discretion, so check the Remitly app before a large transfer.
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Sources: Remitly Send Limits from the United States, Remitly Help: How much can I send?, FinCEN Notice to Customers: A CTR Reference Guide, 31 CFR 1010.410 and the IRS gift tax FAQ.
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