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Sending money overseas is now cheap and rewarding.

Send via bank transfer for free or by credit card and earn rewards. Check out our rates today.

1 USD = 1.3718 SGD Market exchange rate
SGD 344,320.07 Amount we will convert

SGD 1,102.69 Conversion fee
SGD 20.00 SWIFT fee
SGD 344,320.07 Amount you send

SGD 8,814.59 fee (1.85%) (U.P. 2.6%)
About our rates and fees

🎁  Calculate your rewards - The total amount payable is eligible for card rewards (i.e. miles, cashback, or points)

💳  Enjoy low card fee from 1.85% (much lower than other remittance providers)

 🏦 Zero processing fee for bank transfer option

What can I pay?

Pay rent and rental deposit

Rent and rental deposit

Pay education fees


Pay insurance


Pay condominium fees

Condo and MCST fees

Pay income tax

Income tax

Pay car loan

Car loan

Pay mortgage payment


Pay payroll

Helper salary

Pay stamp duty

Stamp duty

Pay season parking

Season parking

Pay electricity bill

Electricity bills

Pay property tax

Property tax

Let your payments take flight

USD, MYR, HKD, INR currencies

Low rates and fees

Best exchange rates for USD, EUR, GBP, and more. and enjoy the lowest credit card fees.

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Multiple payment methods

Choose between bank transfer, or credit card and earn rewards you would otherwise miss out on.

Icon of credit card in hand

Transparent and secure

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

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Card rewards are eligible

We’re not like the rest. With us, you can earn rewards on your credit card. That’s the perk of CardUp!

Enjoy over 76% lower in costs compared to others

Paying an international school fee of 50,000 USD

Cheapest way to pay overseas, send money oversea | cheapest exchange rates | Cheapest transfer fees
Cheapest FX rates | Best foreign exchange rates | Lowest mid-market rates
  1. Exchange rates as of 11 August 2022. View the updated rates on our calculator above.
  2. The credit card above earns miles at 1.5 miles per dollar. Rewards are also earned on the CardUp fee.
  3. The reduced conversion fee offer for bank transfers is valid until 31 December 2022
  4. We ensure that all associated fees are presented upfront to you - no hidden markups or fees.

Earn miles or cashback at the lowest card fee

Unlock the full benefits of your credit card. Earn miles or cashback on your local and international school fees, insurance, rent and more. CardUp makes all your life expenses rewarding.

Pay international education fees, insurance, commercial rent and more by credit card and earn rewards
Enjoy the lowest exchange rates on major currencies with CardUp

Best exchange rates and much lower transfer cost

Enjoy real market exchange rates with no hidden mark ups, and fees over 76% cheaper than banks and other remittance providers.

Complete transparency to save your time and money

No hidden fees. All associated fees are presented upfront so you will know exactly what you are paying for. No need for second-guessing.

Make international payments transparently. View the market exchange rate, conversion fees, etc where applicable, during payment setup.
Blog: 4 reasons to send money overseas with CardUp. Read more >

Pay internationally on CardUp

in less than 10 minutes

Mockup of cross-border payment on CardUp
1. Get started

Sign up for a free account and verify your identity in less than 3 minutes with MyInfo.

2. Set up payment

Create a payment, enter the payment amount and recipient's bank details, and attach your invoice.

3. Pay by credit card

Select credit card or bank transfer as your payment method and hit "Create Payment". It is that simple!

Start paying around the world at low rates

by bank transfer or credit card – even where cards are not accepted.

Get started for free

Make payments to 70+ countries...

dz  Algeria

ad  Andorra

ao  Angola

ai  Anguilla

 ar Argentina

am  Armenia

aw  Aruba

au  Australia

at  Austria

az  Azerbaijan

bh  Bahrain

bd  Bangladesh

be  Belgium

bo  Bolivia

ba  Bosnia and Herzegovina

br  Brazil

vg  British Virgin Islands

bg  Bulgaria

kh  Cambodia

Canada-1  Canada

cl  Chile

China  China

co  Colombia

cr  Costa Rica

hr  Croatia

cy  Cyprus

cz  Czech Republic

dk  Denmark

 dm  Dominica

do  Dominican Republic

tl East Timor

ec  Ecuador

eg  Egypt

ee  Estonia

fo  Faroe Islands

fj  Fiji

fi  Finland

fr  France

fr  French Guiana

pf  French Polynesia

tf  French Southern Territories

ge  Georgia

de  Germany

gr  Greece

gl  Greenland

gd  Grenada

gg  Guernsey

gy  Guyana

hn  Honduras

hk  Hong Kong

hu  Hungary

is  Iceland

India  India

id  Indonesia

ie  Ireland

im  Isle of Man

il  Israel

Italy  Italy

jp  Japan

je  Jersey

kz  Kazakhstan

xk  Kosovo

kw  Kuwait

kg  Kyrgyzstan

lv  Latvia

li  Liechtenstein

lt  Lithuania

lu  Luxembourg

mk  Macedonia

Flag-Malaysia  Malaysia

mt  Maldives

mt  Malta

fr  Martinique

mu  Mauritius

yt  Mayotte

mx  Mexico

mc  Monaco

me  Montenegro

na  Namibia

np  Nepal

nl  Netherlands

nc  New Caledonia

nz  New Zealand

ng  Nigeria

bv-1  Norway

om  Oman

py  Paraguay

pe  Peru

ph  Philippines

pl  Poland

pt  Portugal

pr  Puerto Rico

qa  Qatar

fr  Reunion

ro  Romania

fr  Saint Barthelemy

lc  Saint Lucia

fr  Saint Martin

fr  Saint Pierre and Miquelon

sm  San Marino

sa  Saudi Arabia

rs  Serbia

sc  Seychelles

Singapore  Singapore

sk Slovakia

sl Slovenia

za South Africa

South Korea  South Korea

es  Spain

lk Sri Lanka

Sweden  Sweden

Switzerland  Switzerland

Taiwan  Taiwan

tj  Tajikistan

th  Thailand

tn  Tunisia

tr  Turkey

ae  United Arab Emirates

United Kingdom  United Kingdom

um  United States

uy  Uruguay

Vietnam  Vietnam

wf  Wallis and Futuna

zm Zambia 20+ currencies


au  Australian dollar

bd  Bangladeshi taka

United Kingdom British pound

Canada-1 Canadian dollar

China Chinese yuan

EU Euro

hk Hong Kong

India Indian rupee

id Indonesian rupiah

il Israeli new shekel

jp Japanese yen

Flag-Malaysia Malaysian ringgit

mx Mexican peso

np Napalese rupee

nz New Zealand dollar

bv-1 Norwegian krone

ph Philippine peso

South Korea South Korean won

Sweden Swedish krona

Switzerland Swiss franc

th Thai baht

tr Turkish lira

um  US dollar

Vietnam Vietnamese dong

Have questions about paying overseas?

What international payments can I make?

Currently, we support several types of overseas payments:

  1. Education / training fees

  2. Insurance

  3. School bus fees

  4. Rent (Rent payments to individuals not supported)

  5. Purchases of Goods and Services (Post-paid)

  6. Medical Services

  7. Technical Services

  8. Legal fees

  9. Accounting fees

    and more...

What credit cards are accepted?

What are the fees?

Will I earn credit card rewards on my overseas payments?