How to Check Rates and fees, Choose a Sending Method and Track Your Transfer with Paysend
When it comes to sending money internationally, three things matter most: knowing the exchange rate, understanding your delivery options, and being able to track your transfer from start to finish.
Whether you’re sending to a bank account, card or mobile wallet, Paysend makes the process fast, secure and transparent – and gives you full visibility every step of the way. Here’s how.
1. Check real-time exchange rates before you send
Before confirming your transfer, Paysend shows you the live exchange rate – so you always know exactly how much your recipient will receive.
Here’s what makes Paysend’s exchange rate experience stand out:
- Live rates in the app or web – no guessing or estimates
- Full transparency – see exactly how much your recipient gets
- Fixed transfer fees – shown upfront alongside the exchange rate
Once you enter the amount and select the recipient country, Paysend automatically calculates the total cost of the transfer and displays the real exchange rate before you confirm.
2. Understand your fees upfront
With Paysend, fees are low, fixed and shown upfront — so you always know what you're paying before you send.
There are no hidden charges or unexpected costs. You’ll see the transfer fee, exchange rate, and total amount your recipient will get, all before you confirm your payment.
- Fixed fees (e.g. £1 or local equivalent)
- Shown clearly alongside the exchange rate
- No surprise deductions for your recipient
3. Understand your sending options
Paysend offers multiple ways to send money, depending on the country you’re transferring to. The app will show you all available methods based on your recipient’s location:
- Bank card transfers — Send money straight to a Visa® or Mastercard® debit card
- Bank account transfers* — Direct delivery to recipient bank accounts
- Mobile wallet transfers — For destinations that support wallet payments
- Cash pickup — Available in selected countries through local partners
- SEPA transfers — Fast and easy payments across the EU and UK in EUR
* We will send your money in real-time, but it could take up to 3 business days depending on your recipient's bank.
The app will automatically display the best available delivery methods based on where you’re sending money. They’re convenient choices tailored to each country, and your recipient doesn’t need to have a Paysend account.
Visa is a registered trademark of Visa International Service Association and used under license. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
4. Track your transfer in real time
Once your transfer is sent, Paysend gives you real-time updates so you know exactly when it arrives.
After you confirm and send:
- You’ll receive an in-app confirmation
- You can follow the progress of your transfer under the “Activity” section
- You’ll see a status for each transaction (e.g. pending, sent, completed)
- The recipient doesn’t need to do anything – they’ll receive the money automatically
Most transfers are finished in only a few minutes, but the app will keep you updated if delays arise due to bank processing times or public holidays. Your money will be sent in real-time; however, transfer delivery times may vary based on the recipient's bank processing, compliance checks, or other factors.
Everything on one place
Paysend takes the guesswork out of international money transfers by offering clear exchange rates, multiple sending options and real-time tracking — all in one easy-to-use app.
If you’re ready to send, just log in, check your rate, choose your method, and track your transfer all the way through.
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Here's the short answer: yes, you can use a credit card to get money into someone's bank account abroad. "Credit card to bank transfer" means exactly that — you fund the transfer with your credit card, and your recipient receives it in their bank account. Or on their card, in their wallet, or as cash to collect, depending on where they are.
The card and the bank account do different jobs. Your card pays for the transfer. A provider like Paysend then pays the money out through local systems on the other end. It's one flow, and it takes about a minute in the app.
One thing worth knowing before you start: a credit card is usually the most expensive way to fund a transfer. Some issuers treat it as a cash advance, and credit tends to carry higher payment fees than debit. You'll always see the full cost, exchange rate included, before you confirm anything. What follows is: the ways your money can arrive, what each one costs, how fast it gets there, and the cheaper routes worth checking first.
Every month, thousands of people working in the Czech Republic send part of their payday home — many of them Ukrainians supporting family across the border. And the traditional route makes it harder than it should be: bank wires that ask for IBANs and SWIFT codes, fees that only show up after the money's gone, and days of waiting while someone at home is counting on it.
Pavel Štich has spent years helping his readers solve exactly that. He's Co-Founder and Lead Financial Editor at Moneyo.cz, an independent Czech platform that compares money transfer services, stock brokers, and alternative investments — and a Paysend Ambassador, which means he tests what he recommends, explains it plainly, and brings his readers reader-only perks. We asked him how Moneyo started, who reads it, and why he chose Paysend.
