Send money to PayNow

Send money to PayNow from our website or mobile app, in just a few clicks. Join over 14.8 million people who choose Wise for fast and secure money transfers.

Availability of the payment type depends on the currency or the region.

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Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

ArrivesToday - in 4 minutes

Total feesIncluded in EUR amount

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

Send money to PayNow

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for your international transfer

Open an account

You send exactly

Recipient gets

ArrivesToday - in 4 minutes

Total feesIncluded in EUR amount

You're sending a lot so we discounted our fee

Savings on this transfer, and eligible transfers for the rest of the month.

Learn more

See how much it costs to send money abroad

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Send money now

Sending 30,000 EUR with	Recipient gets(Total after fees)
	44,572.45 SGD
Transfer fee 38 EUR Exchange rate(1 EUR SGD) 1.4876 Exchange rate markup 213.19 EUR Cost of transfer 251.19 EUR

	44,520.16 SGD- 52.29 SGD
Transfer fee 31 EUR Exchange rate(1 EUR SGD) 1.4855 Exchange rate markup 255.08 EUR Cost of transfer 286.08 EUR

	44,340.51 SGD- 231.94 SGD
Transfer fee 15 EUR Exchange rate(1 EUR SGD) 1.4788 Exchange rate markup 390.92 EUR Cost of transfer 405.92 EUR

	44,018.67 SGD- 553.78 SGD
Transfer fee 620.53 EUR Exchange rate(1 EUR SGD) 1.4983 Exchange rate markup 0 EUR Cost of transfer 620.53 EUR

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Rabobank	ING	BNP Paribas	Wise
Recipient gets (Total after fees)	44,572.45 SGD	44,520.16 SGD	44,340.51 SGD	44,018.67 SGD
Exchange rate (1 EURSGD)	1.48763	1.48554	1.47876	1.49828
Exchange rate markup	213.19 EUR	255.08 EUR	390.92 EUR	0 EUR
Transfer fee	38 EUR	31 EUR	15 EUR	620.53 EUR
Total transfer cost	251.19 EUR	286.08 EUR	405.92 EUR	620.53 EUR

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We’re always honest with our customers. And honestly, we’re not the cheapest this time. But, we’re working hard to continue to lower our prices.

This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in the EU by the national bank of Belgium
We help 14.8 million customers move £36 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to PayNow in 3 easy steps

Enter amount to send in EUR.

Pay in EUR with your debit card or credit card, or send the money from your online banking.

Choose your recipient.

Select who you want to send money to and which pay-out method to use.

Send EUR, receive SGD.

The recipient gets money in SGD directly from Wise’s local bank account.

Create free account now

What is PayNow money transfer?

Making a PayNow money transfer is convenient for the sender - as you’ll only need the recipient’s PayNow ID, such as their mobile number, NRIC or FIN. And for the recipient, PayNow money transfers are handy too, as funds can be deposited to a bank account or the PayNow e-Wallet for convenience.

Wise PayNow money transfers can be sent up to 5,000 SGD. If you’re sending more than this you’ll be able to pick another payment option when you set up your Wise international money transfer.

Learn more about using PayNow transfers.

Online money transfer fees

How much does it cost to send money to PayNow?

To send money to PayNow with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.

Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Calculate how much you can save

Cheapest way to send money abroad

The cheapest way to send 30,000 EUR to SGD is by using money that's in your Wise account and costs 127.48 EUR. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

EUR

SGD

Sending 30,000 EUR	Transfer cost
Wise account	127.48 EUR

Bank transfer	170.15 EUR

Fastest way to send money abroad

A money transfer to PayNow (EUR-SGD) should arrive in 4 minutes. Sometimes transfer times can differ based on currencies or verification changes. We’ll always keep you updated, and you can track each step in your account.

EUR

SGD

Sending 30,000 EUR	Should arrive
Wise account	in seconds

Bank transfer	by Friday

See where Wise works

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Account details
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How we keep your money safe

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Send money to PayNow

Send money to PayNow

See how much it costs to send money abroad

How to send money to PayNow in 3 easy steps

Enter amount to send in EUR.

Choose your recipient.

Send EUR, receive SGD.

What is PayNow money transfer?

Online money transfer fees

How much does it cost to send money to PayNow?

Cheapest way to send money abroad

Fastest way to send money abroad

See where Wise works

How we keep your money safe

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