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

The first transfer I made was virtually instantaneous and was a teeny bit better total charge than another app I had. The second took 5 days! Their tech support wouldn't admit it but when I sampled a few transactions it seems that at $2,000 US it changes to the longer method, I'm assuming for security reasons. But why not simply tell me so I can plan around that? Bunch of mumbo jumbo as to other things that can influence the time.

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.

Signing in requires approving the login from my cell phone, entering my password twice then verifying with an email link. I am then forced to enter my password 5 more times to send funds to 4 people. Each transfer asks the same questions over and over again (who are you sending too, why, how much, etc..) only to require re-entering my password on every transfer even after I have just logged in using 2 approval methods. The app security is so annoying that I am looking for an alternative.

What's new

We fixed bugs and made minor improvements.

Happy sending, spending, and saving!