Wise: International Transfers

Wise Payments Ltd.

About this app

Products available depend on where you live. Check wise.com, or download the app, to see what’s available for you.

Make your money work worldwide, for less. 160 countries. 40 currencies.

Move, send and spend your money internationally with Wise. Get paid like a local. Keep as many currencies as you want. All without any hidden fees, and all at the real mid-market exchange rate.

Join 16+ million people and businesses worldwide.

— International money transfers —
• Send money to 70+ countries, fast
• Get the mid-market exchange rate, for every money transfer
• Over 65% of transfers are instant, arriving in under 20 seconds (transaction speed claimed depends on individual circumstances and may not be available for all transactions)
• Secure your transfers with two-factor authentication, encryption and biometrics

— The Multi-Currency Card that’s always got the right currency —
• Spend or withdraw cash in more than 160 countries
• If you don’t have the local currency, we’ll auto-convert what you have with the lowest possible price
• Freeze and unfreeze your card, and update your digital card details

— Get paid like a local —
• Get your own UK account number and sort code, European IBAN, Australian account details and more, as if you had local bank accounts around the world
• Use these account details to get paid in multiple currencies for free, and for direct debits
• Keep up-to-date with instant push notifications for every transaction

— Hold 40 currencies and convert between them instantly —
• No monthly fee and no maintenance fee to keep money in your account, in most cases
• Convert between currencies instantly, at the mid-market exchange rate, for a super-low fee
• Auto-convert currencies at specific rates, and keep up to date with exchange rates with Rate Alerts

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

Wise is regulated by local authorities around the world. Wise is a Money Service Business (“”MSB”“) registered with FinCen, not an FDIC-insured bank. It is authorized to operate as a MSB in most states. In other states, the MSB program is sponsored by Community Federal Savings Bank, to which we’re a service provider. The Wise Multi-Currency Card Program is issued by Wise’s sponsor Bank(s)*, member(s) FDIC. pursuant to licensing by Visa® U.S.A. Inc. The Wise Multi-Currency Card is available to eligible consumers and commercial entities. Not available in all countries. Fees vary based on type of transaction. T&C apply. Find more info at https://wise.com/us/
*Lead Bank and Community Federal Savings Bank.

Send to: EUR (Euro), USD (US dollar), GBP (British pound), AED (UAE dirham), ARS (Argentine peso), AUD (Australian dollar), BDT (Bangladeshi taka), BGN (Bulgarian lev), BRL (Brazilian real), CAD (Canadian dollar), CHF (Swiss franc), CLP (Chilean peso), CNY (Chinese yuan), CRC (Costa Rican colón), CZK (Czech koruna), DKK (Danish krone), EGP (Egyptian pound), GHS (Ghanaian cedi), GEL (Georgian lari), HKD (Hong Kong dollar), HUF (Hungarian forint), IDR (Indonesian rupiah), ILS (Israeli shekel), INR (Indian rupee), JPY (Japanese yen), KES (Kenyan shilling), KRW (South Korean won), LKR (Sri Lankan rupee), MAD (Moroccan dirham), MXN (Mexican peso), MYR (Malaysian ringgit), NPR (Nepalese rupee), NOK (Norwegian krone), NZD (New Zealand dollar), PEN (Peruvian sol), PHP (Philippine peso), PKR (Pakistan rupee), PLN (Polish zloty), RON (Romanian leu), SEK (Swedish krona), SGD (Singapore dollar), THB (Thai baht), TRY (Turkish lira), UAH (Ukrainian hryvnia), VND (Vietnamese dong), ZAR (South African rand), ZMW (Zambian kwacha)

Ratings and reviews

I have been using Wise for several months now and I am very pleased with how intuitive and responsive it is. I look up exchange rates quickly and easily and I have been able to pay for things in local currency with no issue at all. The security is very high, as I learned, since some of my US paperwork was not fully up to date and I had to correct things to become approved! That has also given me confidence in the platform.

Update Oct 2024: Used to be great when it was called Transferwise. A LOT has changed since then. They charge a lot more (almost a 200% fee increase on transfers). Transfers that used to take mere seconds now take an opaque amount of time AND twice they have just bounced back to me as undelivered one week later. Not good at all for emergencies. Plus, their customer service is completely unhelpful and rude. I've switched to one of their competitors after too many shenanigans. No longer recommend!

It worked great until there was a problem. It was fast, smooth, cheap. Then I switched bank accounts, and my new bank blocked the transfer, even though wise sent the funds. Leaving me owing wise $500. That was on my bank, not wise, but then I tried to pay wise the $500. Unfortunately there is not enough space in these reviews to go into detail, but nobody I could reach by phone could do anything at all. It wasn't until a month after my balance was sent to collections that they told me it was.

What’s new

We fixed bugs and made minor improvements.

Happy sending, spending, and saving!