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