Wise 4+

Money without borders

Wise Payments Ltd

    • Free



The international account

Join over 10 million people and businesses, in more than 170 countries, who use Wise to send, spend, convert, and receive money internationally.

Wise is for anyone — travelers, immigrants, freelancers, organisations — whose money crosses borders. We’re 8x cheaper on average than leading UK banks. And a lot faster, too.

— Cheaper and faster money transfers —
• Send money to over 80 countries
• For a super-low fee, you get the real exchange rate, like on Google, for every money transfer
• 50% of transfers are instant or arrive within an hour
• Secure your transfers with two-factor authentication

— A debit card to spend worldwide —
• Spend or withdraw money in more than 200 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 virtual card whenever you like

— Get paid with real account details —
• Get your own UK account number and sort code, European IBAN, US routing and account numbers, 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 50+ 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 real exchange rate, for a super-low fee

— 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 the FCA in the UK, and by other authorities around the world. Your money’s safe with us.

Send from: GBP (British Pound), EUR (Euro), USD (US Dollar), AUD (Australian Dollar), BGN (Bulgarian Lev), BRL (Brazilian Real), CAD (Canadian Dollar), CHF (Swiss Franc), CZK (Czech Koruna), DKK (Danish Krone), HKD (Hong Kong Dollar), HRK (Croatian Kuna), HUF (Hungarian Forint), JPY (Japanese Yen), NOK (Norwegian Krone), NZD (New Zealand Dollar), PLN (Polish Zloty), RON (New Romanian Leu), SEK (Swedish Krona), SGD (Singapore Dollar)

Send to: EUR (Euro), USD (US Dollar), GBP (British Pound), AED (UAE Dirham), AUD (Australian Dollar), BDT (Bangladeshi Taka), BGN (Bulgarian Lev), BRL (Brazilian Real), CAD (Canadian Dollar), CHF (Swiss Franc), CLP (Chilean Peso), CNY (Chinese Yuan), CZK (Czech Koruna), DKK (Danish Krone), EGP (Egyptian Pound), GEL (Georgian Lari), HKD (Hong Kong Dollar), HRK (Croatian Kuna), 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), NOK (Norwegian Krone), NZD (New Zealand Dollar), PEN (Peruvian Nuevo Sol), PHP (Philippine Peso), PKR (Pakistan Rupee), PLN (Polish Zloty), RON (Romanian Leu), RUB (Russian Rouble), SEK (Swedish Krona), SGD (Singapore Dollar), THB (Thai Baht), TRY (Turkish Lira), UAH (Ukrainian Hryvnia), VND (Vietnamese Dong), ZAR (South African Rand)

What’s New

Version 7.63

We fixed bugs and made minor improvements.
Happy sending, spending, and saving!

Ratings and Reviews

4.7 out of 5
42.6K Ratings

42.6K Ratings

Editors’ Notes

Sending money to friends and family in other countries can be a pricey proposition, unless you can find a way to avoid the unfavorable currency exchange rates set by banks. TransferWise uses the standard exchange rate—not your bank’s—when you wire money abroad. It’s remarkably streamlined and easy to use, especially for frequent transfers, and it’ll save you plenty of dollars, pounds, euros, zloty…whatever money means to you.

DanSinopticum ,

Cant use money from account for transfer unless app re-launch

Use case: User initiates a transfer. At payment discovers he does not have the required balance in his transferwise account. So the user transfers the money while transferwise app is kept open [you’re already guessing what happens]. The user finds the unfinished transfer in his list but seems like the payment option to use his transferwise balance is still disabled. The user normally panics because he just transferred tons of money to transferwise account and maybe for some reasons this feature is disabled for his region or whatever. The user quickly understands that transferring the money back to its source cost some fees on transferwise so he is even more upset. Luckily the user has some software development knowledge and gets the brilliant idea “hmm, maybe just the state of the payment methods does not get updated, let’s try relaunching the app and if it does not work let’s hope hope we should not recreate that transfer with all its complicated details {don’t get the wrong IBAN and reference} “. Relaunches app and celebrates as the option is now enabled. Let’s avoid the users panic and stress (;

Thin Boy Fat ,

Efficiency and economy in financial transfers.

I have been using Wise (formerly TransferWise) for a few years to transfer funds between the U.K. and France. The service is simply excellent.
Transfers are almost instant. I can initiate a payment from my U.K. account app and within minutes it will appear in my Wise app as an available balance. It then takes just a few seconds to instruct Wise to convert GBP to EUR and send a payment to my French bank account.
Things slow down a bit when funds arrive in France as my French bank doesn’t update my account instantly, as U.K. banks do. That is not the fault of Wise, just a feature of regional French banks! Although funds may not show immediately, the inward payment always shows up in the account the next day and as long as I remember to send funds before I need them it isn’t a problem.
When I first started to use Wise I used to check exchange rates elsewhere. I soon worked out it was a pointless exercise. Wise don’t shade the rate for profit, they charge a small fee for the transfer and in every case I checked, the Wise transfer fee was less, in some cases considerably less, than other transfer services would have cost.
I have no qualms about wholeheartedly recommending Wise to anyone needing to move money.

App Privacy

The developer, Wise Payments Ltd, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Contacts
  • User Content
  • Search History
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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