{ "@context": "https://schema.org", "@type": "FinancialService", "name": "TransferSmartly", "description": "Money transfer comparison service helping users find the best rates and lowest fees for international transfers", "url": "https://transfersmartly.com", "logo": "https://transfersmartly.com/logo.png", "serviceType": "Money Transfer Comparison", "areaServed": "Worldwide", "hasOfferCatalog": { "@type": "OfferCatalog", "name": "Money Transfer Providers", "itemListElement": [ { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "International Money Transfer Comparison" } } ] } }

Paysend Review

Global card-to-card transfers with a flat fee

Paysend is a UK-based fintech that specialises in card-to-card international transfers. Its flat fee pricing model (typically £1–£2 per transfer) makes it exceptionally cheap for smaller amounts. Paysend is particularly strong for transfers to Eastern Europe (Ukraine, Poland, Romania) and some Asian corridors.

Key facts

  • Typical fee: £1 – £2 flat
  • Exchange margin: ~1%–2.5% above mid-market
  • Delivery time: Minutes – 1 business day
  • Best for: Card-to-card transfers, Eastern Europe
  • Min transfer: £1
  • Max transfer: £5,000 per transaction

Pros

  • Very low flat fee (often £1–£2)
  • Card-to-card delivery — recipient needs only a Visa/Mastercard
  • Fast transfers, often within minutes
  • Great for Eastern Europe and Central Asia
  • FCA authorised

Cons

  • Lower transfer limits than competitors
  • Not as widely available for African or Latin American corridors
  • No cash pickup option

Popular corridors

FAQs

What is card-to-card transfer?

With Paysend, your recipient receives money directly on their Visa or Mastercard debit card — no bank account number or IBAN needed. Just the 16-digit card number.

Is Paysend cheaper than Wise?

For small amounts (under £200), Paysend's flat £1–£2 fee can be cheaper than Wise. For larger amounts, Wise is typically cheaper because Wise's rate margin is lower.

Which countries does Paysend support?

Paysend supports 170+ destination countries. It is particularly well-optimised for Poland, Ukraine, India, Philippines, and Pakistan.

Is Paysend safe?

Yes. Paysend is authorised by the FCA in the UK. It uses bank-level encryption for all transactions.