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How do I set up an international payment?

Pay overseas suppliers or recipients using

  • a credit card (to earn rewards and optimize cash flow) or

  • a FAST bank transfer (at 0% CardUp fees).

Follow these simple steps:

Step 1: Start Your Payment

Log in to your CardUp account, click Create Payment, and select the International Payments tab.

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Step 2: Choose Your Payment Type

  1. Personal Account: Select International Payments.
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  2. Business Account: Select Supplier Payments.
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Step 3: Enter Recipient Details

  1. Bank & Currency: Recipient's bank account country and currency.

  2. Company Details: Business Registration Number (BRN/UEN), registered company name, website, and address.

  3. Bank Details: Bank name, SWIFT code, account number, and account holder name. Note:

    1. To speed up setup, we pre-embed common bank codes for quick selection.

    2. If the pre-populated bank information does not exactly match your official documents, do not select it.

    3. Instead, click "+ Add New Bank" and manually enter the exact bank details shown on your supporting invoice or statement. Our team will review and verify your entry.

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Step 4: Fill In Payment & Method Details

  • Payment Amount: Enter the total amount to send in the recipient's currency. You will see a complete breakdown of the locked exchange rate and associated fees before confirming - no hidden costs!
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  • Select Payment Method:

    • Bank Transfer:

      • 0% CardUp fee via FAST bank transfer.
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    • 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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  • Payment Reference: Enter an invoice number or document reference so your recipient can easily identify the transfer.
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  • Purpose of payment: Your payment intention

  • Card Statement Description: (Credit Card only) Specify how you want the transaction to appear on your bank statement.
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  • Promo / Referral Code: (Credit Card only) Enter a valid promo code to apply discounted processing fees.
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Step 5: Upload Supporting Documents

Upload an official supporting document (in PDF, PNG, or JPG format) to ensure quick approval. Your document must meet the following criteria:

  • It is an official invoice, contract, or bill.

  • It clearly displays the Payor Name, Payor UEN/ID, Recipient BRN/Company Name, and Recipient Bank Details matching your payment setup.

  • The setup payment amount matches or is less than the total amount listed on the document.
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Step 6: Review & Submit

Double-check all details for accuracy, then click Create Payment.

  • For Credit Card Payments: Our team will review your submission and charge your card once the payment is approved.

  • For Bank Transfer Payments: Your exchange rate will be locked until the provided deposit cut-off time. Transfer details will appear on-screen and be sent to your registered email.
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  • Important: Ensure you transfer the full SGD amount via your bank before the stipulated cut-off time to avoid payment cancellation.

  • Note: Payments created on the same business day as account verification may experience a 1-business-day processing delay depending on what time your verification documents were submitted.

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