Meet the October Paysend Giveaway Winners

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.

每个月，数以千计在捷克工作的人都会把部分工资寄回家——其中许多是支持着边境另一边家人的乌克兰人。而传统方式让本应简单的事情变得更复杂：银行汇款需要 IBAN 和 SWIFT 代码，手续费往往在钱汇出后才显现，还要等上好几天，而家里的人正等着这笔钱应急。

多年来，Pavel Štich 一直在帮助他的读者解决这个问题。他是 Moneyo.cz 的联合创始人兼财经主编——这是一个独立的捷克平台，专门比较汇款服务、股票经纪商和另类投资；同时他也是 Paysend 大使，这意味着他会亲自试用自己推荐的一切，用通俗易懂的方式讲解，并为读者带来专属福利。我们请他谈了谈 Moneyo 是如何诞生的、谁在阅读它，以及他为什么选择了 Paysend。