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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 12.8 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 up to 48 hours
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 Rate guaranteed (47h)
  • PayNow fee
    0 SGD
  • Our fee
    131.47 SGD

  • Volume discount

    -15.27 SGD

Total included fees (0.23%)
116.20 SGD

Should arrive in 10 hours

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

How to send money using PayNow

  • Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
  • If your recipient has Wise, you can look them up on our network and send to them in seconds.
  • Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.
  • Pay in Singapore dollar by bank transfer, PayNow, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
  • Depending on how you pay, this usually takes seconds.
Send money 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 from Singapore

The cheapest way to send 50,000 SGD to USD is from a Wise balance and costs 115.91 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 balance115.91 SGD
Bank transfer116.20 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.

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