Wise

Wise Payments Ltd.

About this app

Going somewhere? The Wise account is built to save you money round the world.

170 countries. 50+ currencies. One account. All in one place. So you can send, spend, and receive money simply, with high speeds and low fees. Join 16+ million people moving and saving money internationally.

Take on the world with Wise
- You’ll always get the mid-market exchange rate on every transaction
- Our tiny fees are always shown upfront

Send and save money worldwide
- Send money to 70+ countries
- Do it fast: over half of international transfers arrive instantly

Get a debit card that’s always got the right currency
- Spend and withdraw money in 170+ countries
- Always pay in the local currency. Our automatic currency conversion gets you the lowest possible price
- Shop online safely with a disposable digital card

Hold and convert 50+ currencies
- Keep all your currencies in one place — for free
- Convert between your different currencies instantly

Get paid like a local
- Get your own account details for the UK, US, EU and more
- Use them to get paid or have direct debits in multiple currencies, without the extra fees

A business account for going global
- Pay invoices and bills faster, at a fairer exchange rate
- Use account details to get paid by clients and customers around the world
- Quickly connect to supported platforms like Amazon, Stripe, Xero, and more

Wise is regulated by the FCA in the UK, and other authorities globally. Check out wise.com for our full coverage and product availability.

Ratings and reviews

Was great for transferring money internationally when living abroad. However, they've started charging a stabilization fee to guarantee the quoted conversing rate. This added ~$50 to the transfer. Stated it'll be refunded if not needed. But why need it in the first place?!? They've quoted a set conversion price, this additional fee changes the quoted price no matter what they call it. It's still the best app I've found for international transfers. We'll see if they actually refund it.

Once the initial transfer information (sender/recipient/banking) has been set up, the process from start to finish is eye-blinkingly fast. The app is very intuitive; perhaps even smoother than the online process, and setting up the app after initially opening my account with TansferWise a few weeks ago was a breeze. Each time I use it it seems that the app is actually faster and more intuitive. ⬇️ Update: Authenticator pairing fails and has the potential to lock me out of my own account.

Wise has been the easiest, fastest way to spend money abroad, with the ACTUAL exchange rates instead of getting jacked on rates. I just received the card for travel, and I look forward to putting it to good use. What I hate, though, is that you initiate an exchange to put money in your account via ACH, and it leaves one account and doesn't show up in the other account for a week sometimes! That is shady. It shows up eventually, but money should not ever disappear like that.

What's new

If you've got your phone language set to Simplified Chinese or Thai language, you'll now be able to send, spend and receive in Simplified Chinese or Thai too.

And we fixed bugs and made minor improvements.

Happy sending, spending, and saving!