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Send money using PayNow

Send money using 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.

Read more
  • 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
  • Arrives
    by Monday, 2 March
  • Total fees and taxes
    Included in SGD amount
    18.35 SGD volume discount
    • 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 using PayNow

    Send money using 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.

    Read more
    • 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
  • Arrives
    by Monday, 2 March
  • Total fees and taxes
    Included in SGD amount
    18.35 SGD volume discount
    • 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

    How to send money using PayNow in 3 easy steps

    Start your transfer.

    Enter amount to send in SGD.

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

    Get the best rate out there.

    Choose your recipient.

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

    Money is locally delivered.

    Send SGD, receive USD.

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

    Create free account now

    What is PayNow money transfer?

    You can make a PayNow money transfer conveniently through the Wise app or desktop site, simply by scanning the PayNow QR for your payment. All you’ll need to do is set up your Wise money transfer, and pick PayNow as the payment method. You’ll be shown a unique QR code and can then log into your mobile banking service to scan and pay easily.

    The QR code you’re provided is specific to your PayNow transfer, so you should not share it with others.

    You can send up to 200,000 SGD per transfer when you use PayNow. There’s no limit to the number of transactions you can make - but you’ll need to make sure you’re paying from an account held in your own name.

    Learn more about using PayNow.

    Online money transfer fees

    How much does it cost to send money using PayNow?

    To send money using 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 50,000 SGD to USD is by using money that's in your Wise account and costs 126.34 SGD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

    SGD

    USD

    Sending 50,000 SGDTransfer cost
    Wise account126.34 SGD
    Bank transfer126.71 SGD

    See where Wise works

    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.

    4.3 / 5 on Trustpilot from 280,466 reviews

    Read more reviews on Trustpilot