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How to send money with your credit card

Many money transfers services let you send money online with a credit card—but convenience may come with a cost.


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Wondering how to send money with a credit card? There are several ways to fund a transfer by credit or debit card, but you’ll need to keep an eye on the fees. It’s often not the cheapest method of sending money overseas, but paying with a bank transfer or using an online money transfer service attracts fewer charges.

Can I send money online with my credit or debit card?

The short answer is yes, you can send money with a credit card or debit card. It’s not the most common method to transfer money, though. Typically, people send money online using a bank transfer or through a money transfer platform like Wise.

These methods are often cheaper than sending money via a credit card. However, if you need to, it is still possible to transfer money online through a card.

Compare international money transfer services that let you pay by credit and debit cards

Our table below lets you compare services you can use to send money abroad. Compare fees, exchange rates and discounts from different money transfer services, and when you have made your choice, click Go to site.
1 - 4 of 4
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Wise (TransferWise)
24 hours
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies.
Wise (TransferWise) - Under 10k
24 hours
From 0.35%
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Within an hour
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
Within an hour
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.

Compare up to 4 providers

You’re often able to pay for a transfer money overseas with your credit or debit card. But compare costs among providers to make sure you’re getting the biggest bang for your buck.

How do I send money with my credit card internationally?

You have several ways to use your credit card when paying for an international money transfer, including:

  • Your bank. Use your credit card to transfer money overseas from your bank account either online, over the phone or by visiting a branch. But there’s one caveat: Your credit card provider will likely consider your transfer a cash advance, resulting in both a higher rate of interest and a cash advance fee.
  • Money transfer specialist. Specialist transfer companies like Western Union, MoneyGram, WorldRemit, Ria Money Transfers and more allow you to send money online with your credit card. These providers allow you to pay for online transfers using your credit card, and a few also allow for in-person transfers with your card.
  • PayPal. PayPal lets you send money with a credit card alongside other payment methods like debit and paying from your account balance. Link your credit card to your PayPal account to make an overseas transfer. Fees are 2.9% of your transaction amount and $0.30 per transaction.
  • Walmart. In Canada, you can send money through Western Union at Walmart stores. While you can’t send money online through your online Walmart account, transferring funds in store means you can pay in cash if you want. Both credit and debit are accepted.

How do I send money with my debit card internationally?

Even if you don’t have a credit card, you may be in luck: many money transfer providers accept debit cards. If you decide to use a debit card, be sure to understand any processing fees you’ll pay.

Here are a few options for international transfers using your debit card:

  • OFX. Exclusively through, you can get $0 transfer fees on OFX. As a bonus, the platform offers excellent exchange rates.
  • Wise. Through Wise, you can pay no debit card fees for transfers to select countries. Watch out for percentage-based transfer fees, but rest easy knowing you’ll get the mid-market rate on all currency trades.

Want to make domestic money transfers with a debit card?

A debit card is a great option for domestic money transfers. If you pick the right transfer provider, a debit card will let you send money online quickly and for free.

Consider using Google Wallet, which offers free transfers with a debit card. When your recipient receives the transfer, the money is automatically forwarded to the bank account linked to their debit card.

What are the fees to send money online with a credit card?

Many companies let you send money online with a credit card or debit card. You may have to pay more for the convenience of paying with plastic. Here are the fees charged by popular options for sending $750 to Mexico with your credit card when we checked in 2022.

Sending $1,000 to Mexico viaPercent feeFlat feeTotal fees for credit card payment
Western Union0.00%$0.00$0.00
PayPal2.90%$4.99 + 4.00 MXN (approx. $0.25 CAD)$26.99
Wise0.00%$17.51 (payment method fee) + $7.39 (Remitly fee)$24.90

While Western Union, WorldRemit and Remitly charge the lowest in credit card fees compared to the other popular sending options we checked, these fees aren’t the whole story.

When should I transfer money abroad with a credit card?

You could find yourself in a situation where sending a money transfer from your credit or debit card is a good idea. Here are just a few:

You want credit card rewards

If you have a rewards credit card, you may earn travel miles or cash back after you fund your transfer. However, this works best when you use a service like MoneyGram or Western Union—not your bank. Transferring through your bank could saddle you with higher interest rates and fees, erasing any rewards you might earn.

You need your card in a pinch

Credit and debit card transfers could be useful in an emergency. For example, you may need to send an urgent transfer to a loved one who’s been mugged while travelling and has no cash. In this case, it may be most effective to send a card-based transfer via Western Union or MoneyGram.

The fees work in your favor

Before you initiate your transfer, check on fees for both credit and debit cards. If there’s any difference, you’re likely to find a lower fee for debit card transfers.

You don’t have a bank account

Using a bank account is the standard funding source for money transfers. However, you may not have your bank account details handy. In that case, it may be more convenient to use your credit or debit card.

If you don’t have a credit card, bank account or debit card, consider picking up a prepaid debit card. You can purchase one at a local store—such as a supermarket or Shoppers Drug Mart—and use it to fund your transfer.

What’s the difference between a debit and credit card?

Why should I avoid sending money online with a credit card?

Compared with using your bank account, it could be more convenient to transfer money with your credit or debit card. However, keep these potential pitfalls in mind.

Your credit card transaction could be treated as a cash advance

When you pay for a transfer with your credit card, the transaction is often treated as a cash advance by your card provider. This typically attracts a cash advance fee and a higher rate of interest than an ordinary credit card payment. The interest may also apply from the day you make the transfer—without an interest grace period.

Look out for credit and debit card fees

Using your bank account is typically the cheapest option. When you use your credit or debit card, your provider is likely to charge you a higher transfer fee.

Bottom line

You can transfer money overseas with a credit or debit card, but it’s typically your more expensive option. It’s almost always cheaper to fund your transfer with your bank account. No matter how you’ll ultimately pay, compare multiple transfer providers before parting with your money.

Frequently asked questions

Can I send money overseas using a prepaid card?

That depends on your chosen provider—some services do offer international debit cards that allow you to transfer prepaid amounts abroad.

Can I transfer money from my credit card to PayPal?

PayPal lets you send money with a credit card. However, this can be a pricey transfer. PayPal allows you to make credit card payments at a cost of 2.9% + a fixed fee that varies based on currency being received.

Can I use a credit card to transfer money with Western Union?

Western Union does accept credit card payments through providers like Visa and Mastercard.

Does WordRemit accept credit cards?

WorldRemit accepts credit cards and debit cards issued by Visa and Mastercard. However, you may be subject to additional fees from your credit card issuer since the transaction counts as a cash transfer.

Can I pay off a credit card with an international bank account?

Typically, no. Few international bank accounts come with a corresponding credit card. It’s even more difficult to use your international bank account to pay off a credit card from a different provider. If you’re interested in using a card alongside an international bank account, consider multicurrency debit cards like the one offered by Wise.

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