Wise

Wise, formerly TransferWise

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

So far, to set up an account took 90 minutes. Should have taken 5. The app kept locking up during the verification, backed out and tried again two times. Then restarted the app and found three pending deposit transfers. Canceled two easy enough, thumbs up for that forethought👍. But still shouldn't have happened. Anyway, after about 9 more tries to verify my info the one transfer did go through. Not sure what I'll do with it now. Not very confident about using it to send money to anyone.

I ended up paying over $4 in fees because the option for scheduling was hard to find. "Dark pattern" UX which shows the worst option. If the devs want to talk to me, reach out for an easy fix. Was really frustrated to pay fees because the option to not pay them was hidden and I didn't find it until later.

Works... most of the time. Don't count on it if you need it for an emergency, though. You pretty much have to initiate your transfer and cross your fingers hoping it will transfer in the 13 minutes it claims. I have a real problem with it not being reliable. Been many times I've had to jump through some SERIOUS hoops because it just decided to take a LOT longer to transfer, for no apparent reason, and with no reliable indication of how long its going to take.

What's new

It’s not a bug. It’s a rebrand.

Sure, we look different. Bolder, cleaner and a whole lot greener.

But what we’re building for you will never change: money without borders. Your money, moving freely wherever it wants to go.

And this beautiful little green icon on your phone? We know you’ll love what’s going on in there. This is how you take on the world.