Wise 4+

Money without borders

Wise Payments Ltd

    • Free



Money for here, there, and everywhere

170+ countries. 50 currencies. One card. This is the account built to save you money round the world.

Use money. Make money. Get Wise. Convert, send, receive and spend just like that. And we’re up to 6x cheaper on average than leading UK banks.

Join 15+ million people and businesses worldwide.

— Worldwide money transfers, universal savings —
• Send money to 70+ countries, fast
• Get the real exchange rate, like on Google, for every money transfer, for a tiny fee
• Over 50% of transfers are instant
• Secure your transfers with two-factor authentication

— The debit card that’s always got the right currency —
• 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 like a local —
• 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

— Put your money to work with Assets —
• Try Interest or Stocks in a few taps. Only available in the UK and Singapore, for now
• Capital at risk. Wise Assets is a trading name of TINV Ltd, a business subsidiary created to carry out investment activities and regulated by the FCA

— 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.

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), HUF (Hungarian forint), JPY (Japanese yen), MYR (Malaysian ringgit), 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), 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)

What’s New

Version 8.62

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

Ratings and Reviews

4.8 out of 5
122.6K Ratings

122.6K 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 unfavourable 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.

use Revolut ,

Spencer Mosley

I have never left a review for any company before, but after receiving the worst service I’ve ever encountered I decided I needed to let other people know what to expect from Wise. At first I thought the app and service was good. That is until something goes wrong. I made a transfer to my own account in Spain but the money was held for checks for 12 days with the excuse that it may be a sanctioned bank or a fraudulent transaction. Which it is Not. I provided photos of the actual bank, paperwork that showed it was indeed my account. Screenshots of the account and account details and much much more. NO REPLY. Over 10 days I made 4 phone calls to find out what was happening and on 4 occasions I was told by each member of the staff that they would call me back or that the money would be released that day or the day after. NO ONE EVER DID! Eventually after speaking to the FINANCIAL OMBUDSMAN the transfer was cancelled. Still no response to calls or emails. The customer service team are unknowledgeable, and without any ability to resolve the simplest of matters. They do not respond to any emails. If you ask to make a complaint they say that’s not possible and refuse to put you through to a senior person. This is against all Financial Services Authority Regulations. Any many of staff can take a complaint and escalate a problem. I warn all of you! If you have the slightest problem, they will not be able to help!

Developer Response ,

Hello there,

While our goal is to complete all payments as fast as we can, we’re a regulated financial institution and as such, we need to carry extra checks on transfers from time to time. This is a routine procedure to help us ensure we’re keeping our platform safe for everyone using (including you) while complying with local regulations.


Fifike ,

So far the best banking app for multi currencies!

Wise is the best banking service for single and or multi currencies with physical and virtual card. Instant transfers, instant conversion between account currency, and the rest.
The transfer fee is relatively low. The only negative that I can say is the currency exchange rate to sell back currency is not good. But you still can get it in a few click and seconds in the wise account or transferred into your bank account.
I cannot appraise the virtual card option enough! I was hacked 4 times in the past 2 years after using my other cards for online purchases.
Wise has the option for a new virtual card that has lots of extra security features. You can delete it than generate a new one with a complete new set of numbers in a second. You can copy card details, account details from screen in the app then paste the info into an other website. … I highly recommend it! Made my travelling and spending my with card much easier and safer! Oh and my favourite feature is I can have one card for all currencies, I can withdraw in the country and abroad. The card detect the currency and it deduct the transaction from the matching currency account! How good is that?! Brilliant! 🙌

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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Location
  • Identifiers
  • Other Data

Data Linked to You

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

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

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


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