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Not sure how to transfer money overseas? π€
Well Iβm here to help! π
Here are my GO-TO apps that I use to transfer money overseas:
1) Wise
Linked with VISA
βοΈ 50 currencies available
βοΈ Used for both DIGITAL and PHYSICAL payments (with their physical card)
βοΈ RECEIVE payments in 9 currencies (GBP, EUR, USD, AUD, NZD, SGD, CAD, HUF, TRY)
βοΈ SEND money to 77 countries (e.g. Malaysia, South Korea, Japan, Sweden, Germany)
βοΈ Regulated by the Money Authority of Singapore (MAS)
βοΈ Transaction fees depend on the amount, currency youβre sending money to and payment method
βοΈ NO hidden and subscription fees
βοΈ Top-up manually using bank transfer or PayNow
Wise card (for spending abroad):
- Pay S$9 for a Wise card
- Used as a debit card
- Withdraw money from 2.3mil overseas ATMs
- Make 2 withdrawals of up to S$350 / month for FREE per account. After that, S$1.50 per withdrawal
- 1.75% of amount for withdrawals over S$350
- Tap or swipe anywhere (and use Google Pay & Apple Pay in supported countries)
E.g. of fees: S$1.69 to send S$22 to KRW, S$0.50 to send S$22 to MYR, S$2.51 to send S$22 to JPY
ππ» Physical travel card available
ππ» Lower withdrawal fee for small sum of money as compared to YouTrip (flat rate S$5)
π© Need pay for card
π© If key in wrong recipient details, money gets stuck for a long time
*I use Wise a lot to send money to Korean sellers
2)YouTrip
Linked with Mastercard, Co-branded with EZ-Link
βοΈ 150+ currencies available
βοΈ Used for both DIGITAL and PHYSICAL payments (with their physical card)
βοΈ SEND money through 10 wallet currencies
βοΈ NO transaction, platform or subscription fees
βοΈ Top up using PayNow (min. S$1) or any Singapore debit/credit card (min. S$20)
βοΈ 24/7 in-app money changer for 10 currencies (see the best rates, lock them, make in-app exchanges)
βοΈ Enjoy cashback with your favourite brands (e.g. Shopee, Lazada, foodpanda)
YouTrip card (for spending abroad):
- Card is FREE
- Used as a debit card
- Withdraw money from any overseas Mastercard, Maestro or Cirrus ATMs
- Withdraw money at a flat fee of S$5
ππ» Higher security (requires passcode)
ππ» Physical travel card available (free)
π© After topping up wallet, money gets stuck there, unable to send back to own bank
π© High withdrawal fee for small sum of money
*I always use YouTrip to buy goods from overseas shops (set Mastercard as payment method) as well as when traveling
3)Remitly
βοΈ 75+ currencies available
βοΈ Used for DIGITAL payments only
βοΈ SEND money to 145+ countries
βοΈ NO transaction fees on your FIRST transfer
βοΈ NO hidden and subscription fees
βοΈ Transaction fees depend on the amount and transfer options you select (usually S$3.99)
βοΈ Pay your transfer using debit/credit card such as Visa, Mastercard & Maestro
ππ» Good to transfer large sum of money for FIRST transfer (no fee)
ππ» Send to many countries
π© Troublesome to transfer money as need to use NRIC to verify identity
π© Higher transactions fees (e.g. S$7.99 to change S$100 to JPY in Remitly but S$2.91 to change S$100 to JPY in Wise)
*I used Remitly when I had to transfer S$500+ to overseas sellers. No fees were charged as it was my first transfer :)
All in all, all apps are good to transfer money overseas! π It really depends on your preference and how much you're transferring/withdrawing.
P.S. I used POSB to make overseas transfers before cuz it claims there's $0 transfer fee. HOWEVERR, some overseas banks charge the recipient when you transfer to them so PLS BE CHECK & BE CAREFUL!!! I was charged β©10,000 for every transfer to certain Korean banks π₯²π₯² Also I can't track my transfers and my transfers took pretty long... (longer than the 3 mentioned apps). So yea, I won't rec using POSB yea...
π WISE
For more info, click here
To sign up, click here to enjoy fee-FREE transfer up to S$900!!!
π YOUTRIP
For more info, click here
To sign up, click here to get FREE S$5 when you make your first top-up
π REMITLY
For more info, click here
To sign up, click here to get FREE S$15 when you send S$100 or more
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