Wise - Budgeting & financial planning

Planning a trip? The Wise app is designed to help you save money wherever you go.

It covers 170 countries and supports 50+ currencies all under one account. You can easily send, spend, and receive money with fast transactions and low fees. Join the community of over 16 million users who are efficiently managing and saving money internationally.

What can you get?

Embrace global opportunities with Wise:

- Enjoy the mid-market exchange rate for all transactions

- Transparent display of negligible fees in advance

Global money transfers and savings made easy:

- Transfer money to over 70 countries

- Experience swift transfer times, with more than half of international transfers processed instantly

Access a debit card with multi-currency support:

- Utilize your card for spending and withdrawing money in over 170 countries

- Opt for local currency payments every time; our automated currency conversion guarantees the best rates

- Securely shop online with a disposable digital card

Convenient currency management with support for 50+ currencies:

- Centralize all your currencies cost-free

- Instantly convert between different currencies

Receive funds effortlessly like a local:

- Obtain personal account details for the UK, US, EU, and other regions

- Use these details for receiving payments or setting up direct debits in various currencies without additional charges

Facilitate global business operations with a dedicated account:

- Settle invoices and bills promptly at competitive exchange rates

- Share your account details with clients worldwide to receive payments smoothly

- Easily integrate with popular platforms such as Amazon, Stripe, Xero, and others

Choose how to pay

1. Send the money directly from your bank

2. Set up a direct debit in our app

3. With a debit or credit card - it’s easy and fast. It’s usually cheaper to pay by debit than credit card due to its more expensive processing fees.

4. Use Apple Pay or Google Pay in our app

Sending money to another Wise account doesn’t have sending fees (only our low conversion fees apply)

How do I send an international money transfer in the Wise app?

1. Sign up for free online or in the app. All you need is an email address, or a Google or Facebook account.

2. Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.

3. Add your recipient’s bank details. If you don’t know their details, we can request them for you.

4. Verify your identity. For some currencies, or for large transfers, we’ll need to verify you — we usually just need a photo ID. This helps us keep your money safe.

5. Pay for your transfer with a debit or credit card, or bank transfer.

That’s it. You can track your transfer in your account, and we'll tell your recipient the money is on its way.

FAQs:

How do I remit money?

A: If you’ve made a transfer before and want to repeat it, you can do this automatically from 3 different places:

When you are logged in to Wise, click on the transfer you wish to repeat. Then choose Repeat transfer. You’ll have a chance to review all the details before you confirm the transfer and pay

From the transfer page of a completed transfer. Click Repeat this transfer in the top right-hand corner

From a payment confirmation page. You can access the transfer status page from the link in the email we send you when a transfer has been completed. Just click Repeat this transfer in the top right-hand corner when you reach the transfer status page

This will create a transfer with exactly the same details as your previous transfer, except with the current mid-market exchange rate.

How much does it cost to send money outside the US?

A: The easiest way to see actual prices is to set up a transfer and we'll calculate all the fees for you and show you how much you'll pay up front.

Our prices vary based on your source currency and the payment method you're sending money to (e.g., wire, ACH, or Wise balance).

If you're not expected to pay a correspondent bank fee, we'll charge you a fee of 1-16 USD* depending on your payment method

If you're expected to pay a correspondent bank fee, we'll charge you a fee of 3-37 USD* depending on your payment method and where you're sending money to

How to pay via bank transfer?

A: You need to set up your remittance on Wise. Then, you need to log out of your Wise account and send the money directly through your bank via bank transfer. You can also do this:

Online, through your online banking

Over the phone, with your phone bank

Or in person at a bank branch.

Here is a detailed guide with more details.

1. Set up your remittance on Wise

Set up your remittance - select the amount you want to send, then enter the recipient's bank details.

2. Select bank transfer in the payment step

When you get to the payment step, select Bank Transfer. This will bring up the Wise account details, as well as a reference. Write these down - you'll need them to make a bank transfer payment through your bank.

3. Make a bank transfer payment directly from your Wise account to your bank

IMPORTANT: To ensure your transfer is not delayed, double check the following:

The name on your bank account matches the name on your Wise account - if the names don't match, we won't be able to process your transfer. If you use someone else's bank account and a power of attorney to fund your transfer, we won't be able to accept your deposit. However, if you have a joint bank account, see here.

You have included the reference correctly - this helps us identify your deposit and make the transfer.

You enter the exact amount you want to send via Wise - a payout may delay your transfer more or less.

If you are making a bank transfer from a UK bank and are below the limit set by your bank, you may also see a button called Login and approve which is a faster and easier way to make an online bank transfer. If you choose this option, you will need to enter your online banking details, select the account you want to pay from, and click Approve. That's it - we'll take care of the rest.

4. You're done - wait for confirmation

We'll send you an email as soon as your funds arrive in Wise's bank account. We'll then convert and pay it to your recipient.

Wise operates under the regulation of the FCA in the UK and complies with other authorities worldwide. Visit wise.com for comprehensive information about our services and product availability.