Always the real exchange rate
Banks and other providers sneak hidden fees into a marked-up exchange rate. We use the mid-market rate — the one you find on Google — and show our fee upfront.
Typical bank fee
48.00
Wise fee
3.61
Skip the bank queues. Send from anywhere.
No appointments, no paperwork, no waiting on hold. Set up a transfer from your phone or laptop in minutes — most arrive faster than you can finish your coffee.
- 60%
- of transfers arrive instantly
- 40+
- currencies supported
- 24/7
- send money anytime
Send money in three simple steps
It really is this easy. Millions of people move money with Wise every single day.
Tell us where to send it
Choose the amount and currency. See exactly what your recipient will get before you pay.
Add the recipient
Enter their bank details once and we save them securely for next time.
Pay and relax
Pay with your card or bank transfer. Track every step until the money lands.
Trusted by 16 million people and businesses
Regulated by financial authorities around the world and built on transparency. Your money is safeguarded, and your data is yours alone.
“I moved my savings across three countries without losing a fortune to fees. Wise just works.”
Everything you need to move money smarter
One account for all your international money needs, built to save you time and money.
40+ currencies
Hold and convert money in dozens of currencies in one account.
Safeguarded funds
Your money is kept separate and protected by regulation.
Manage on the go
A beautiful app to send, spend and track from anywhere.
Fast transfers
Most transfers arrive within hours, many are instant.
No hidden fees
One clear fee shown upfront — no markups, ever.
Bank-level security
2-step login and dedicated fraud protection by default.