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Best ways to send money online with your credit card

Explore ways to make domestic and international transfers with your credit card or debit card.

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Making an international money transfer using your credit card isn’t the cheapest way possible, but paying for your transfer with credit can help you make a transfer in an emergency. Picking the right company to send money using your credit card can save you on excess fees, which is why shopping around is crucial.

Fees to send money online with your credit card

You have many options when it comes to sending money with your credit card, as companies are often willing to accept payment by plastic if you’re willing to pay for the convenience. Here are the fees charged by popular options for sending $1,000 to Mexico with your credit card when we checked on September 18, 2020.

Sending $1,000 to Mexico via Percent fee Flat fee Total credit card fees
WorldRemit 0.00% $0.00 $0.00
Xoom 0.00% $3.99 $3.99
MoneyGram 0.00% $13.99 $13.99
Ria 0.00% $24.00 $24.00
Western Union 0.00% $29.99 $29.99
Remitly 3.00% $0.00 $30.00
PayPal 2.90% $5.30 $34.30
TransferWise 4.63% $1.41 $47.71

Without a doubt, WorldRemit charges the lowest in credit card fees compared to the other popular sending options we checked, but these fees aren’t the whole story. Use our comparison table below to see what the total cost of your transfer could be by entering the amount you want to send, selecting your destination country and clicking Calculate.

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 1,000 1 - 2 days USD 0.00 0.828 EUR 4,139 Exclusive: Minimum transfer of $1,000 for Finder readers (normally $5,000).
For larger transfers, get no transaction fees and no maximum send limits.
Go to site Show details
$1 Same day USD 0.00 0.832 EUR 4,162 XE offers fast transfers with no fees and a range of foreign currency tools. Go to site Show details
$10 Within an hour USD 1.99 0.819 EUR 4,095 Special offers like free transfers and better exchange rates available for new customers.
Quick, affordable transfers around the world with both express and economy options.
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$1 1 - 2 days USD 40.00 0.836 EUR
Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks. Go to site Show details
$1 Within an hour USD 3.99 0.833 EUR 4,160 Use promo code 3FREE to send your first 3 transfers with no fee. Send to 110+ countries for bank-to-bank deposit, cash pickup or mobile top-up. Go to site Show details

Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

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 internationally with my credit card?

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 with 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 with your credit card. All of these companies allow you to pay for online transfers using your credit card, and a few also allows for in-person transfers with your card.
  • PayPal. 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.

How do I send money internationally with my debit card?

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 excellent 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.
  • TransferWise. Through TransferWise, 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 quickly and for free. Consider these top-notch apps:

  • Google Wallet. Arguably the best way to send money domestically, Google Wallet 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.
  • Square Cash. With Square Cash, it’s free to load money with a debit card. It’s also free to send and receive money. On the downside, your recipient will have to wait a few days for the money to be transferred from Square Cash to their bank account. However, they can pay a 1% fee to withdraw the money immediately.
  • Venmo. Venmo doesn’t offer instant withdrawals, but you can use it to send free transfers via debit card.

Should I ever transfer money internationally with my credit or debit 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 mugged overseas 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 Target — and use it to fund your transfer.

How is a debit card different from a credit card?

Why you should avoid sending money online with your 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 higher rate of interest than an ordinary 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 any of your money.

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10 Responses

  1. Default Gravatar
    mudithaJuly 28, 2018

    how can we send money to a bank account in australia

    • Default Gravatar
      joelmarceloJuly 28, 2018

      Hi Mudhita,

      Thanks for leaving a question on finder. We have a comprehensive guide and comparison in sending money to Australia if you click HERE.

      Depending on the method you need to send or receive money in Australia, you have the convenience of many options — cash, bank deposit, or peer-to-peer apps.

      If you don’t need cash right away (such as through a service like Western Union or MoneyGram), there are online services available that can get your transfer to its destination in 1-5 days, with no fees and great exchange rates.


  2. Default Gravatar
    munawerJuly 16, 2018

    I want to send money (fee)through credit card to USA …(Institute )
    How can i send?
    What institute information i need?

    • Avatarfinder Customer Care
      nikkiangcoJuly 17, 2018Staff

      Hi Munawer!

      Thanks for leaving a question on our page.

      Yes, you can send money to the US using a credit card issued by your bank account either online, over the phone or by visiting a branch. Kindly note that 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.

      Here are other ways to send money using a credit card:

      Western Union and MoneyGram.

      Specialist transfer companies like Western Union and MoneyGram allow you to pay for transfers to hundreds of thousands of locations around the world using your credit card. Both companies allow you to pay for online transfers using your credit card, and MoneyGram also allows for in-person transfers with your card.

      PayPal. 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.

      The information you need would depend on the mode of payment you use. You may ask this from your recipient along with his/her bank account information.

      Hope this helps!


  3. Default Gravatar
    ChadhaJune 18, 2018

    Hello. I am from India. I want to send money to Tajikistan using my bank debit card ( Indian bank ) to the tajikstan bank card ( card issue by tajiki bank ) can I do ? If yes please assist me. Thanks.

    • Avatarfinder Customer Care
      JoshuaJune 18, 2018Staff

      Hi Chadha,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Yes, this is possible provided that your bank allows such transaction. You would need the bank account details of the recipient. For a more detailed instruction, it would be helpful to directly get in touch with your bank.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  4. Default Gravatar
    BilelJune 5, 2018

    Do citibank have ability to transfer money to payonner account Which has agreements and gives MasterCard cards to workers at Royal Caribbean International?

    • Avatarfinder Customer Care
      ArnoldJune 9, 2018Staff

      Hi Bilel,

      Thanks for your inquiry

      Yes, Payoneer allows you to transfer funds from any of your bank accounts. Please note that you have to link your bank accounts to your Payoneer account before you can transfer funds.

      Regarding the agreement you wish to have, it would be best to speak with Citibank directly and inquire if such arrangements are possible.

      Hope this information helps


  5. Default Gravatar
    CandyceApril 26, 2018

    How do I transfer money to Nigerian through credit card?

    • Avatarfinder Customer Care
      JhezApril 26, 2018Staff

      Hello Candyce,

      Thank you for your comment.

      To transfer money overseas using a credit card, you can log on to your account online through your bank’s website and do the tranfer or through transfer companies. The tips above can give you an idea on how to do the transfer online using a credit card.

      You may also want to check this page to see other transfer companies that can help you with the transfer.


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