The best way to pay overseas recipients

Pay suppliers in over 80 countries and get access to market-leading FX rates, extremely low credit card fees and lightning-fast payment speeds!


Why use CardUp to pay internationally?

USD, MYR, HKD, INR currencies

Market-leading FX rates

Lowest in the industry for several major currencies including USD, MYR, HKD, INR etc

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Industry-lowest credit card fees

Credit card fees from as low as 0.8% for overseas payments

Money gets paid swiftly

Lightning fast payments

Pay recipients abroad within 1 business day for most countries and currencies

International payments have never been this cheap. Until now.

See it to believe it.

XB Price Comparison

1. FX rates shown are rates as of 02 September 2021.

2. CardUp charges a low fee of 2.23% on Visa cards for international payments. Mastercard and Unionpay are priced at 2.6%.

3. You earn 1.4 miles/dollar on FX conversion + Fees (S$13,536 + S$301.85 = S$13837.85 i.e., 19,373 miles) on Singapore's most famous miles card - UOB PRVI Visa.

How does CardUp work?

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Select payment type

Log in to your CardUp account and select 'Supplier Payments' when creating a payment

Add recipient

Choose the country to pay to and currency to pay in, and enter your recipient's bank details

Submit payment

Enter the payment amount, add your card details and submit. It's really that simple!

Pay suppliers in 80+ countries

By working with reputed, licensed remittance partners, CardUp now lets you use your credit card for international and cross-currency payments

cross border countries

Overseas payments made simple with CardUp


Lower FX rates than ever before

With CardUp you will have access to some of the lowest FX rates in the market when making overseas payments. Our FX rates are the lowest in the industry for several major currencies including USD, MYR, HKD, INR etc.

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Credit card fees from 0.8%

Get access to the lowest credit card fees in the industry for overseas payments. Pay recipients in 80+ countries by Visa, Mastercard, Visa BPSP or Unionpay credit cards.


Rewarding payments from Day 1

Shift your international bank transfers onto your credit cards with CardUp, even if your recipients do not accept cards. Rack up miles, points and cashback on payments when paying recipients abroad.
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Make full use of your credit limit

Get up to 2 extra months of interest-free working capital by fully accessing the credit line that is sitting idle in your back pocket.
Businessman satisfied with paying business expenses using credit card

Simple, transparent pricing

Our fees start from just 0.8% per transaction and brings you the most affordable, secure and fastest overseas payment experience.

Join the thousands of businesses who already trust CardUp

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Have questions about using CardUp to pay abroad?

How much will it cost me to use CardUp to pay overseas recipients?

Our credit card fees are the lowest in the industry - starting from 0.8% as opposed to 2.72% on platforms like Wise.

Our FX rates are also one of the lowest in the market. For ex: our USD payments are 0.10-0.40% cheaper than major banks.

With CardUp, you will also avoid hefty intermediary bank charges and commissions.

Whom can I pay abroad through CardUp?

How does using my credit card free up my cash flow for 2 months?

Will I earn rewards on my credit card for payments made through CardUp?

What payment methods can I use to pay recipients abroad?

Businessman in office, working on iPad

Revolutionise the way you pay recipients abroad

Join businesses across 40 industries that have optimised their overseas payments with CardUp.