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Send money with a credit card

Send money with a credit card 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
    Today - in 30 minutes
  • Estimated fees
    Included in USD amount

    • Send money with a credit card

    Send money with a credit card 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
    Today - in 30 minutes
  • Estimated fees
    Included in USD amount

    • 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
    Wise
    Wise
    		Bank of America
    Bank of America

    Recipient gets

    (Total after fees)

    		6,714.85 CNY6,574.24 CNY

    Exchange rate

    (1 USDCNY)

    		6.837106.57424

    Exchange rate markup

    		0 USD38.45 USD

    Transfer fee

    		17.88 USD0 USD

    Total transfer cost

    		17.88 USD38.45 USD
    This applies when you pay in via bank transfer. How do we collect this data?

    How to send money with a credit card in 3 easy steps

    Start your transfer.

    Enter amount to send in USD.

    Pay in USD 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 USD, receive CNY.

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

    Create free account now

    What is Credit Card money transfer?

    Making a credit card transfer is fast, convenient, and means you can spread the cost of your payment over a few months if you’d like to.

    You can make a credit card money transfer with Wise using a Visa or Mastercard credit card that’s issued in your name - or the name of your business if you hold a Wise Business account. Unfortunately, you can’t make a Wise credit card money transfer using an American Express credit card.

    Your card will need to have a 16 digit number, an expiry date, and be 3D security enabled - this helps us keep you and your money safe.

    There are also a small number of other specific situations in which you can’t make a Wise credit card money transfer, depending on where your card was issued, where your Wise account is registered, and the payment you’re sending.

    Learn more about using credit cards.

    Online money transfer fees

    How much does it cost to send money with a credit card?

    To send money with a credit card 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 USD to CNY is by using money that's in your Wise account and costs 52.79 USD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

    USD

    CNY

    Sending USDTransfer cost
    Wise account52.79 USD
    Bank transfer59.26 USD
    Direct debit63.19 USD

    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 288,291 reviews

    Read more reviews on Trustpilot