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Send money using PayNow

Send money using PayNow from our website or mobile app, in just a few clicks. Join over 12.8 million people who choose Wise for fast and secure money transfers.
Availability of the payment type depends on the currency or the region.
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Over 12.8 million customers
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FCA regulated
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 Rate guaranteed (54h)
  • Bank transfer fee

    0 EUR

  • Our fee

    210.66 EUR


Total included fees (0.70%)

210.66 EUR

  • You could save up to 711.36 EUR

Should arrive by Tuesday

Save on exchange rate markups

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?
Sending 1,000 SGD withRecipient gets(Total after fees)
Wise
705.37 EUR
Transfer fee
3.18 SGD
Exchange rate(1 SGD EUR)
0.707623
Exchange rate markup
962.93 SGD

Cost of transfer
966.11 SGD

PayPal
669.53 EUR- 35.84 EUR
Transfer fee
6.76 SGD
Exchange rate(1 SGD EUR)
0.674090
Exchange rate markup
964.69 SGD

Cost of transfer
971.45 SGD

OCBC Bank
615.66 EUR- 89.71 EUR
Transfer fee
120 SGD
Exchange rate(1 SGD EUR)
0.699619
Exchange rate markup
963.35 SGD

Cost of transfer
1,083.35 SGD

globe

How to send money using PayNow in 3 easy steps

What is PayNow money transfer?

You can make a PayNow money transfer conveniently through the Wise app or desktop site, simply by scanning the PayNow QR for your payment. All you’ll need to do is set up your Wise money transfer, and pick PayNow as the payment method. You’ll be shown a unique QR code and can then log into your mobile banking service to scan and pay easily.

The QR code you’re provided is specific to your PayNow transfer, so you should not share it with others.

You can send up to 200,000 SGD per transfer when you use PayNow. There’s no limit to the number of transactions you can make - but you’ll need to make sure you’re paying from an account held in your own name.

Learn more about using PayNow.

Online money transfer fees

How much does it cost to send money using PayNow?

To send money using PayNow with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.

Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

How long does a money transfer using PayNow take?

A money transfer using PayNow (EUR-ZAR) should arrive by Tuesday. Sometimes transfer times can differ based on currencies or verification changes. We’ll always keep you updated, and you can track each step in your account.

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Your transfer route

EUR
ZAR

Should arrive

by Tuesday

Wise works nearly everywhere

  • South African rand
    Swift/BIC and IBAN
  • British pound
    Swift/BIC, IBAN, Sort code and Account number
  • Euro
    Swift/BIC and IBAN
  • United States dollar
    Routing number, Swift/BIC, Account number and Account type
  • United Arab Emirates dirham
    Swift/BIC and IBAN
  • Australian dollar
    BSB code and Account number
  • Bulgarian lev
    Swift/BIC and IBAN
  • Canadian dollar
    Swift/BIC, Account number and Institution number
  • Swiss franc
    Swift/BIC and IBAN
  • Chinese yuan
    Swift/BIC and IBAN
  • Czech koruna
    Swift/BIC and IBAN
  • Danish krone
    Swift/BIC and IBAN
  • Hong Kong dollar
    Swift/BIC and IBAN
  • Hungarian forint
    Swift/BIC, IBAN and Account number
  • Israeli shekel
    Swift/BIC and IBAN
  • Japanese yen
    Swift/BIC and IBAN
  • Norwegian krone
    Swift/BIC and IBAN
  • New Zealand dollar
    Swift/BIC and Account number
  • Polish złoty
    Swift/BIC and IBAN
  • Swedish krona
    Swift/BIC and IBAN
  • Singapore dollar
    Bank name, Bank code and Account number
  • Turkish lira
    IBAN
  • Ugandan shilling
    Swift/BIC and IBAN
  • United Arab Emirates dirham
  • Australian dollar
  • Bangladeshi taka
  • Bulgarian lev
  • Canadian dollar
  • Swiss franc
  • Chilean peso
  • Chinese yuan
  • Costa Rican colón
  • Czech koruna
  • Danish krone
  • Egyptian pound
  • Euro
  • British pound
  • Georgian lari
  • Hong Kong dollar
  • Hungarian forint
  • Indonesian rupiah
  • Israeli shekel
  • Indian rupee
  • Japanese yen
  • Kenyan shilling
  • South Korean won
  • Sri Lankan rupee
  • Moroccan dirham
  • Mexican peso
  • Malaysian ringgit
  • Nigerian naira
  • Norwegian krone
  • Nepalese rupee
  • New Zealand dollar
  • Philippine peso
  • Pakistani rupee
  • Polish złoty
  • Romanian leu
  • Swedish krona
  • Singapore dollar
  • Thai baht
  • Turkish lira
  • Tanzanian shilling
  • Ukrainian hryvnia
  • Ugandan shilling
  • United States dollar
  • Uruguayan peso
  • Vietnamese dong
  • West African CFA franc
  • South African rand

Trust Wise with safe & secure money transfers

Safeguarded with leading banks

We hold your money with established financial institutions, so it's separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.