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What are the fees for paying overseas?

CardUp shows you every fee and the exact exchange rate upfront before you confirm your transfer, so you never encounter hidden charges.

Your Total Cost Breakdown

  1. Foreign Exchange (FX) Rate
    The exchange rate used when converting your payment from one currency to another.
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  2. CardUp Processing Fee

    1. FAST Bank Transfer:

      • 0% fee when paying directly from your bank account.

    2. Credit Card: As low as

      • CardUp Personal account : 2.35% with a valid promo code.

      • CardUp Business account : 2.45% with a valid promo code
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  3. Conversion Fee
    A fee that covers the costs associated with converting funds and sending your payment overseas.
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  4. SWIFT Fee & Intermediary Bank Fees
    If sending via the SWIFT network (such as non-local currencies or large transactions like >$250K USD), external intermediary or receiving banks may deduct a fee from the final amount received.

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Estimate Your Costs & Rewards

Use our interactive calculators before sending to calculate your total cost or estimate your card miles and points:

Frequently Asked Questions

Are there any hidden fees?

No. CardUp locks and displays all fees and conversion rates upfront before you confirm. However, depending on the destination currency and receiving bank, third-party intermediary banks along the SWIFT network may deduct standard routing fees.

Can I earn credit card rewards on my CardUp payment?

Yes. CardUp payments (including applicable CardUp fees) are eligible for the most credit cards in the market in the market.

How do I set up an international payment?

Ready to make an international payment? Follow our step-by-step here

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