Merchant MCC Guide

Transferwise MCC & rewards

Reported MCC 4829 · Wire Transfers and Money Orders

· OnlineVisit Transferwise website

Transferwise

Online storefront · SG

MCC 4829 · Website checkout

Officially verified · Website checkout

Verified MCC 4829 for Website checkout.

Processing can still vary by channel or card network for some merchants, which may change the MCC.

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Cards that may earn bonus rewards

General comparison — no shortlist or Wallet in use.

  • The American Express Platinum Charge Card5.0 MPD at 10Xcelerator partners enrolled, first S$16,000 partner spend/yr (20 MR per S$1.60)

    MCC is not excluded from the bonus blacklist

    • Merchant-list bonus: 10Xcelerator is a named-partner list (not MCC); requires annual enrolment (go.amex/bonusmrenrolment-plat), direct partner payment only (Kris+/PayPal excluded); above the S$16,000 partner-spend cap earns 10 MR/S$1.60 (~2.5 MPD). SIA/Scoot direct flights earn 5 MR/S$1.60 (1.25 MPD)
    • Annual fee: S$1,744 charge card, non-waivable. Category exclusions per amex-sg-exclusions.pdf; education exclusion does NOT apply to The Platinum Card
    Editorial review (reviewed 2026-10-18)
  • The American Express Platinum Credit Card~2.84 MPD at 10Xcelerator partners (10 MR per S$1.60, merchant-list based)

    MCC is not excluded from the bonus blacklist

    • Merchant-list bonus: 10Xcelerator bonus applies at ~50 named luxury/dining/retail partners (go.amex/10xceleratorsg), not MCCs; bonus posts ~12 weeks after spend; excludes third-party payments (Kris+, PayPal)
    • Annual fee: S$327 non-waivable. Category exclusions (cash advance, insurance, SPC, utilities, education etc.) per amex-sg-exclusions.pdf §2
    Editorial review (reviewed 2026-10-18)
  • AMEX KrisFlyer Credit Card2 MPD on SIA/Scoot/KrisShop/Pelago (+Grab subcap)

    MCC is not excluded from the bonus blacklist

    • Bonus categories: 2 MPD on SIA/Scoot/KrisShop/Pelago (uncapped) and Grab (capped S$200/mo); 1.1 MPD flat elsewhere. Same category-based exclusion list as Ascend
    Editorial review (reviewed 2026-10-18)
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What is Transferwise's MCC Code?

Transferwise uses MCC 4829 (Wire Transfers and Money Orders). This Merchant Category Code is used by credit card networks to classify transactions at Transferwise.

When you use your credit card at Transferwise, the transaction is tagged with MCC 4829. Your credit card issuer uses this code to determine what rewards you earn—whether it's bonus miles, cashback, or base points.

Best Credit Cards for Transferwise

No bonus cards found for Transferwise (MCC 4829). Most cards will earn base rewards (1 MPD) on this category.

Tips for Maximizing Rewards at Transferwise

  • Use the card with the highest bonus rate for MCC 4829
  • Track monthly caps to avoid missing out on bonus rewards
  • Check if mobile wallet vs direct payment affects your rewards rate
  • Verify the MCC before making large purchases to ensure bonus eligibility
  • Consider having multiple cards to maximize rewards across different spending categories

Related Merchants

These merchants use the same MCC code (4829) as Transferwise:

Upcakes
• offline

Related Resources

Best cards for TransferwiseView MCC 4829 DetailsBrowse All MCC Codes

Frequently Asked Questions

What MCC code does Transferwise use?

Transferwise uses MCC 4829 (Wire Transfers and Money Orders). This code classifies the merchant as a wire transfers and money orders business.

Which credit cards earn rewards at Transferwise?

Most credit cards earn base rewards (1 MPD) at Transferwise. Check our MCC lookup tool to find cards with bonuses.

What should I check before choosing a card for Transferwise?

Compare the reward rate, monthly caps, minimum spend and payment-mode conditions. The issuer's terms determine the final reward for a transaction.

How do I verify Transferwise's MCC code?

Use CheckMCC's merchant lookup tool to verify Transferwise's MCC code before making large purchases. MCC codes can change, so it's always good to double-check.

🔍 Look Up Any Merchant's MCC Code

Not sure if a merchant uses MCC 4829? Search by merchant name to verify their code and find eligible bonus cards.

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