Remitly 台灣 Remitly
Price on request
- 轉帳費: 來自 TWD0(宣傳)
- 匯率加價: 約1.5%
- 傳輸速度: (快訊)
- 主要特點: 送貨承諾保證;快遞與經濟選項
Live offers across tracked providers in Taiwan — updated daily from the Giraffy database.
13 live offers compared from 12 providers. Updated daily.
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Price on request
Money transfer covers sending funds from Taiwan abroad, or receiving remittances, whether by bank wire or specialist digital services. Taiwan hosts a large population of migrant workers from the Philippines, Indonesia, Vietnam and Thailand who remit home regularly, so both traditional bank telegraphic transfers and fintech operators are widely used. Services differ sharply on speed, fees and the exchange-rate spread, which together determine how much actually arrives at the other end.
Banks send international wires via SWIFT, charging a remittance fee plus correspondent-bank charges and building a margin into the exchange rate. Fintechs such as Wise, Remitly and WorldRemit, along with Western Union's agent and digital network, offer faster, app-based transfers with clearer pricing, sometimes at the mid-market rate. Chunghwa Telecom and some banks provide remittance tie-ins aimed at migrant workers. Regulatory controls apply to large or frequent transfers, and identity verification is mandatory.
Transparent pricing — Fintechs like Wise show the fee and exchange rate up front, so you know the received amount.
Speed — Digital services such as Remitly and WorldRemit can deliver funds within minutes to popular corridors.
Cash pickup options — Western Union's agent network allows recipients without bank accounts to collect cash.
Wide reach — Bank wires and global operators cover almost any destination and currency for larger transfers.
Multiple payout methods — Recipients can take funds to a bank account, mobile wallet or cash pickup, useful across the Southeast Asian corridors Taiwan's migrant workers remit to.
Compare the total cost, the upfront fee plus the exchange-rate margin, not just the advertised fee, since the spread is where banks often earn most. Match the method to the need: fintechs for speed and value on common corridors, banks for large or unusual-currency transfers. Check delivery speed, whether the recipient needs a bank account or can collect cash, transfer limits, and the identity documents required for larger amounts.
Digital specialists Wise, Remitly and WorldRemit compete on price and speed, while Western Union offers extensive cash-pickup reach popular with migrant workers. Banks including the Bank of Taiwan, Cathay United Bank and E.Sun Bank handle SWIFT wires for larger or corporate transfers, and Chunghwa Telecom provides remittance services aimed at the migrant-worker market.
Costs vary by amount and corridor and combine a transfer fee with an exchange-rate margin. Fintechs typically charge a small percentage or flat fee close to the mid-market rate, while bank wires add a fixed remittance fee plus correspondent charges and a wider rate spread. For a like-for-like comparison, always look at the amount the recipient actually receives.
Cross-border transfers are regulated by the central bank and the Financial Supervisory Commission (FSC), with anti-money-laundering rules requiring identity verification and reporting of large transactions. Licensed money-transfer operators must safeguard customer funds, though these are not CDIC-insured bank deposits. Annual foreign-exchange settlement limits apply to individuals, above which additional documentation and central-bank approval are needed.
Which is cheapest? For common corridors, fintechs like Wise usually beat bank wires once the exchange-rate margin is counted.
How fast is a transfer? Digital services can be near-instant to minutes; traditional SWIFT wires often take one to three business days.
Are there limits? Yes; individuals face annual FX settlement caps, and larger transfers require more documentation under central-bank rules.
Which is best for migrant workers? Services with cash-pickup networks like Western Union, or low-cost digital apps such as Remitly and WorldRemit to Southeast Asian corridors, are popular; some banks and Chunghwa Telecom also run remittance channels aimed at this market.
Giraffy tracks 5 prepaid FX and travel money cards across Remitly,WorldRemit,Wise,Western Union,Bank of Taiwan providers in Taiwan. Compare by the mid-market exchange rate margin and ATM withdrawal fees to find the lowest total cost.
A prepaid travel card is loaded with a specific currency (or multiple currencies) before you travel. You lock in an exchange rate at loading time, protecting against rate movements. Unlike a regular debit card, there are no overdraft risks, and many travel cards offer better exchange rates than high-street banks.
Most prepaid travel cards allow ATM withdrawals abroad, but fee structures vary — some offer a free monthly ATM allowance, others charge per withdrawal. Check the ATM fee, daily withdrawal limit, and whether your chosen card is accepted by ATM networks at your destination.
Multi-currency cards typically support 40–50 currencies, covering all major travel destinations. Lesser-used currencies may not be available — check the provider's currency list if you're travelling to an unusual destination. Some cards auto-convert at the point of sale if the local currency isn't loaded.
Yes — a prepaid card can be frozen via an app immediately if lost or stolen, protecting your remaining balance. You're not liable for fraudulent transactions in most cases. Keeping a small amount of local cash as backup is still advisable for markets where card acceptance is limited.
Key fees to check: loading fees (some charge to add funds), ATM withdrawal fees, inactivity fees if the card isn't used for 12+ months, and a small exchange rate margin on the mid-market rate. Some premium providers (Wise, Revolut Metal) offer fee-free loading and ATM withdrawals up to monthly limits.