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Wise - Budgeting & financial planning

Unlock financial wellness with personalized budgeting, savings goals, and investment tracking

Wise
  • 8.57.1 Version
  • 4.3 Score
  • 16M+ Downloads
  • Free License
  • 3+ Content Rating
Download Android APK (102.70 MB)
Old Versions
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Some transfers may be subject to additional fees

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.

Wise

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.

Wise

2. Select bank transfer in the payment step

Wise

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

Wise

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.

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Tags
Information
  • Version8.57.1
  • UpdateAug 13, 2024
  • DeveloperWise Payments Ltd.
  • CategoryFinance
  • Requires AndroidAndroid 5.0+
  • Downloads16M+
  • Package Namecom.transferwise.android
  • Signature022c944663ec29977c871e8a7f5dc877
  • Available on
  • ReportFlag as inappropriate
Old Versions
User Reviews
4.3 9 Reviews
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  • Rio McGee
    Rio McGee

    One of my favorite apps is so important for me when I travel. I have their physical credit card to pay in local currency and manage my exchange rate and fees. I also send money overseas to friends and family through it. Never had any problems with the app and always tell my friends about it for their trips. I also use their virtual credit cards for safer internet payments, keeping a close eye on each card's balance.

  • David Cortez
    David Cortez

    It was awesome before, super simple, cheap and fast. But now they've increased security, which is making it difficult to move money from your bank to your Wise account. This really limits its usefulness for me. Also, the fees have gone way up. Even both my kids tried to sign up and faced issues. And getting help from support? Almost nonexistent.

  • MD LiYan
    MD LiYan

    There was an update, and all the buttons got rearranged. The send button was moved to a different corner. It took me 5 minutes to get used to the new look. Why did they change it? Did someone find the old arrangement bothersome? Was it ugly? Stop updating and changing things without reason! Everything was fine the way it was!

  • Peter Ketteringham
    Peter Ketteringham

    Cost-effective and fast solution. Received prompt response with detailed information for an issue not related to TransferWise. Highly recommend. Some recent charges for debit card usage were not ideal, but can opt for free simple bank transfer with more effort required. Many businesses have similar charges. You get what you pay for - lower cost means fewer benefits. Proceed cautiously if there are cheaper options available. Despite exploring other alternatives out of curiosity, I prefer using Wise.

  • Phil Knightbridge
    Phil Knightbridge

    Setting up the transfer details was quick and easy. The app is user-friendly, even more so than the website. Setting up the app after first opening my account with TransferWise was simple. It feels like each time I use it, the app gets quicker and easier to navigate. Update: I had an issue where the Authenticator pairing failed and I risked being locked out of my account.

  • Darya Alekseeva
    Darya Alekseeva

    Wise is really a fantastic company. I have a lot of faith in it. The app is so-so. I hope it could be simpler to transfer money into my account through the app. It always seems to take forever. It's really irritating. Fast forward... Wise has done an amazing job in improving the app's usability. I recently transferred money from my UK account to my US account, and it was completed in just 30 seconds. Big thanks to all the folks at Wise! You guys are awesome!

  • Jan-Marten Daling
    Jan-Marten Daling

    Using Wise to spend money abroad has been really convenient. I recently got their travel card and I'm excited to use it. The only downside is that when you transfer money between accounts, it can take up to a week to show up in the other account. It feels a bit sketchy when your money disappears for a while before reappearing in the destination account.

  • Michael Ortiz
    Michael Ortiz

    I found this app for traveling through many countries and it really lives up to its promises. It's easy to use, has low fees, and lets you transfer money quickly between currencies. I've done at least 7 transactions for less than 2 Euros each. The exchange rates are fair too. Thanks for making such a secure and user-friendly service. Your team's effort is truly impressive.

  • Darryl Ferguson
    Darryl Ferguson

    At first, using this app was great. It helped me send resources to my family abroad easily. But then they changed the money management system and the services became very limited. Adding money went from taking 3 to 7 seconds to almost 1 hour. I plan to talk about this on my show on VoiceAmerica with 90+ million viewers in 190 countries. Stay tuned for updates. By the way, Wise has made significant improvements since my last post. Thank you, Wise!

Security Status
Clean

It’s extremely likely that this software program is clean.

What does this mean?

We have scanned the file and URLs associated with this software program in more than 50 of the world's leading antivirus services; no possible threat has been detected.

  • Name: Wise
  • Package Name: com.transferwise.android
  • Signature: 022c944663ec29977c871e8a7f5dc877