Remitly — Nov 5, 2025 release

EBITDA Margin 14% 13% 16% 16% 15% Net Income (Loss) $2 ($6) $11 $7 $9   Nov 2025 / © 2025 Remitly Inc.14 Delivering operating efficiencies 3Q 25 Year-over-Year Change Performance Drivers Non-GAAP Operating Expenses as a % of Revenue1 Marketing 2 bps ● Increased investment in high amount senders and Remitly Business ● Efficiencies in digital and brand marketing along with word of mouth CS 21 bps ● Product improvements driving lower contact rates ● Increasing automation including AI-driven virtual assistant T&D 53 bps ● Efficient spend while delivering innovation goals G&A 35 bps ● Rigorous discipline on hiring and non-headcount spend 1. Operating expenses are non-GAAP measures. Please see reconciliation of non-GAAP measures to the most comparable GAAP measures in the Appendix.   Note: We expect GAAP net income to be positive for the fourth quarter of 2025. We also expect positive GAAP net income for the full year 2025. This guidance is only effective as of the date given, November 5, 2025, and will not be updated or affirmed unless and until we publicly announce updated or affirmed guidance. Distribution or reference of this deck following November 5, 2025 does not constitute re- affirming guidance. We cannot, without unreasonable effort, provide a quantitative reconciliation of forecasted adjusted EBITDA to forecasted GAAP net income due to the variability, complexity, and limited visibility of the adjusting items that would be excluded from forecasted adjusted EBITDA. 15 Nov 2025 / © 2025 Remitly Inc. 2025 and 4Q 2025 Outlook 2025 $1.619b - $1.621b 2025 Revenue, 28% YoY growth $234m - $236m 2025 Adjusted EBITDA 4Q 2025 $426m - $428m 4Q 2025 Revenue, 21% to 22% YoY growth $50m - $52m 4Q 2025 Adjusted EBITDA   Q & A 16 Nov 2025 / © 2025 Remitly Inc.   17 Nov 2025 / © 2025 Remitly Inc. Remitly became my go-to app. It’s click, click, and the money is arriving. Derek, a Business customer Sends money from USA to NGA “   Appendix 18 Nov 2025 / © 2025 Remitly Inc.