Best exchange rates and transfer fees to pay overseas
Why pay more when you can pay less? Enjoy real market exchange rates with no hidden markup and lower transfer fees
🎁 Calculate your rewards - The total amount payable is eligible for card rewards (i.e. miles, cashback, or points)
💳 Low card fee from 1.3% (much lower than other remittance providers)
🏦 Zero processing fee for bank transfer option
Enjoy over 76% lower cost compared to others
Here's how much it costs to pay a 50,000 USD invoice


- Exchange rates as of 11 August 2022. View the updated rates on our calculator above.
- The credit card above earns miles at 1.5 miles per dollar. Rewards are also earned on the CardUp fee.
- The reduced conversion fee offer for bank transfers is valid until 31 December 2022
- We ensure that all associated fees are presented upfront to you - no hidden markups or fees.
Rewards beyond borders

Low rates and fees
Best exchange rates for USD, EUR, GBP & more. Plus, no fees by bank transfer or extra low fees by card

Transparent and secure
See breakdown costs presented upfront - no hidden markup. Platform has bank-standard security.

Limitless card benefits
Fly beyond with earned miles or get cashback savings with your credit card. Plus, pay only when your card bill is due almost 2 months later.

Track all at one place
Never lose sight of your payments, no matter how far. View all past and upcoming local and overseas payments in one dashboard.
Best exchange rate and much lower transfer cost
Why pay more when you can pay less?
Pay with real market exchange rates (no hidden markup) and fees that are over 76% cheaper than banks and other remittance providers.


Complete transparency to save your time and money
No hidden markup or fees. All charges are presented upfront so you will know exactly what you are paying for.
Pay by credit card at the lowest card fee
Unlock the full benefits of your credit card – whether it is to rack up air miles for your next trip or earn cashback savings. You'll also get to defer payments by up to 2 months for better cash flow.

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Save more with our limited-time offers
- New users: 1.3% (2.6%) CardUp fee for credit card payments
- All users: 0% CardUp fees and reduced conversion fee for bank transfer
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Get started and pay abroad
in less than 10 minutes

1. Get started
Sign up for a free account and verify your identity in less than 3 minutes with CorpPass.
2. Set up payment
Create a Supplier payment, enter the payment amount and recipient's bank details, and attach your invoice.
3. Select payment method
Choose credit card or bank transfer and hit "Create Payment". It is really that simple!
Start paying around the world by credit card
at low rates, even where cards are not accepted
Make payments to 40+ countries from Singapore
Algeria
Australia
Austria
Bahrain
Bangladesh
Belgium
Brazil
Cambodia
Canada
China
Czech Republic
Denmark
Egypt
France
Germany
Hong Kong
Hungary
India
Indonesia
Ireland
Israel
Italy
Japan
Kuwait
Malaysia
Malta
Mexico
Netherlands
New Zealand
Norway
Oman
Philippines
Poland
Portugal
Qatar
Romania
Saudi Arabia
Singapore
South Korea
Spain
Sweden
Switzerland
Taiwan
Thailand
Turkey
United Arab Emirates
United Kingdom
United States
Vietnam
...in 20+ currencies
Australian dollar
Bangladeshi taka
British pound
Canadian dollar
Chinese yuan
Euro
Hong Kong
Indian rupee
Indonesian rupiah
Israeli new shekel
Japanese yen
Malaysian ringgit
Mexican peso
Napalese rupee
New Zealand dollar
Norwegian krone
Philippine peso
South Korean won
Swedish krona
Swiss franc
Thai baht
Turkish lira
US dollar
Vietnamese dong
Have questions about making international payments?
Whom can I pay internationally?
Currently, we support several types of overseas invoices like goods purchased, professional services, business expenses, technical services, consulting services etc.
All overseas invoices need to be paid for via the 'Supplier Payments' payment category in your CardUp account.
What credit cards are accepted?
Currently, all Singapore-based Visa, Mastercard and Unionpay credit cards are accepted.
American Express cards are not accepted for overseas payments at the moment.
What are the fees?
CardUp ensures that any fees or charges incurred are displayed transparently and presented upfront. To view the different types of fees, visit our FAQ here.
How does using my credit card free up my cash flow for 2 months?
When you use a credit card to make a payment, your recipient still gets paid on time and by bank transfer. However, you will get to defer the actual outflow of your cash until your card bill is due up to 2 months later. This lets you gain an extended payment term, and you can use that cash for other more important operations first.
Will I earn rewards on my credit card for payments made through CardUp?
All local and international payments made using a Singapore-issued card on your CardUp-registered account are eligible for the base earn rate* of miles (up to 1.6 miles per dollar), points or cashback on most credit cards.
This includes all of these popular credit cards listed here.