What is an international money transfer?

An international money transfer is a way to make payments from your bank account to another bank account in a different country. Sending international money transfers with a traditional bank can be expensive though — it can be much cheaper with Wise.

How long does an international money transfer take?

For popular currencies, Wise can send your money within one day — or even within seconds. Sometimes, payment methods or routine checks can affect the transfer delivery time. We’ll always keep you updated, and you can track your transfer in your account.

How do I send an international money transfer?

Sign up for free online or using our app. All you need is an email address, or a Google or Facebook account. Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive. Add your recipient’s bank details. If you don’t know their details, we can request them for you. Verify your identity. For some currencies, or for large transfers, we’ll need to verify you — we usually just need a photo ID. This helps us keep your money safe. Pay for your transfer with a debit or credit card, or bank transfer. That’s it. You can track your transfer in your account, and we'll tell your recipient the money is on its way.

What’s the best way to send money abroad?

Choosing how you want to send money with Wise largely depends on your payment method. Some are faster than others, and some may be slower but cheaper.

How is Wise regulated?

Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the United Kingdom.

How much can I send abroad? Are there limits to how much I can send?

Yes, there are limits to how much you can send with us. They depend on the currencies you’re sending to and from, and how you pay. You can check the limits for each currency on our Help Centre , or by using our calculator . We’ll also let you know if you try to send too much at one time.

How do I know the money will get there?

We follow a strict set of rules set by regulatory agencies in every country we operate in, so you can feel assured that we’ll send the money to exactly where you’ve told us to send it. You can check what recipient details you entered by downloading a transfer receipt.

How will the money be received?

When you send an international money transfer, we’ll simply deposit the money into your recipient’s bank account — unless you’ve selected a method where this works differently, like Interac for CAD, for example.

How can I avoid a wire transfer fee?

You can avoid a wire transfer fee by selecting a different payment method — like ACH bank debit, credit or debit card. Keep in mind, these payment methods have lower limits. So if you want to send a large amount, you’ll need to send multiple smaller transfers.

What documents do I need to send an international money transfer?

Because Wise is a regulated financial institution, we need to know who our customers are. It helps us combat money laundering, and keep everyone’s money safe. So depending on multiple factors, we can ask for identifying documents at any time. Typically, we’ll ask for a photo ID and/or proof of address — but sometimes we’ll ask for other information.

Send money to Bulgaria

Save on your online money transfer to Bulgaria from Singapore. Transfer Singapore dollar to Bulgarian lev quickly, safely and join over 12.8 million people using Wise.

Send money from Bulgaria to Singapore instead.

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

Open an account

Rate guaranteed (119h)

You send exactly

Recipient gets

Paying with

PayNow

PayNow fee
0 SGD
Our fee
161.44 SGD

Volume discount

-14.93 SGD

Total included fees (0.29%)
146.51 SGD

Should arrive in 8 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

Send money to Bulgaria

Save on your online money transfer to Bulgaria from Singapore. Transfer Singapore dollar to Bulgarian lev quickly, safely and join over 12.8 million people using Wise.

Send money from Bulgaria to Singapore instead.

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

Open an account

Rate guaranteed (119h)

You send exactly

Recipient gets

Paying with

PayNow

PayNow fee
0 SGD
Our fee
161.44 SGD

Volume discount

-14.93 SGD

Total included fees (0.29%)
146.51 SGD

Should arrive in 8 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

Compare fees for when you send money to Bulgaria

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Get started

Sending 1,000 SGD with	Recipient gets(Total after fees)
	1,308.37 BGN
Transfer fee 4.97 SGD Exchange rate(1 SGD BGN) 1.31491 Exchange rate markup 0 SGD Cost of transfer 4.97 SGD

This applies when you pay in via bank transfer or ACH payments. How do we collect this data?

Amount

From

Wise	Competitors
Wise always gives you the real mid-market rate. No markups, no hidden profits. The fairest rate, every time.	Most providers hide their fees in the exchange rate. Compare their rate to Wise - any difference? That’s their cut.

This applies when you pay in via bank transfer or ACH payments. How do we collect this data?

We’re regulated in every available region
We help 12.8 million customers move £30bn every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money to Bulgaria from Singapore

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

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

How to send money to Bulgaria from Singapore

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

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

How to send money to Bulgaria from Singapore

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

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

Get fees as low as 0.1% on large transfers

Buying property, retiring abroad, making investments? We’re here to support with life-changing money moves.

Earn discounts when you send over 20,000 GBP.
Get dedicated support from a team of specialists in large transfers.

Secure money transfers to Bulgaria

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.

Best ways to send money to Bulgaria with WISE

The best way to send Singapore dollar to Bulgarian lev is from a Wise balance. It’s cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
Bank Transfer
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.

Cheapest way to send money to Bulgaria from Singapore

The cheapest way to send 50,000 SGD to Bulgaria is from a Wise balance and costs 146.39 SGD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

SGD

BGN

Sending 50,000 SGD	Transfer cost
Wise balance	146.39 SGD

Bank transfer	146.51 SGD

Fastest way to send money to Bulgaria from Singapore

Sending money with Wise is super fast: 60% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

SGD

BGN

Sending 50,000 SGD	Should arrive
Wise balance	in 8 hours

Bank transfer	in 8 hours