Wise (formerly TransferWise) builds products that solve the problems of the clunky old-school financial system, making international banking and cross-currency payments fast, easy, transparent, and ridiculously cheap. Today, over 10 million people and businesses use Wise products to make money easier when they live, work, travel or do business around the world.

With a Wise account you can:

• Send money to 80 countries at fees up to 7 times cheaper than traditional banks
• Open international bank details for 9 currencies, including likes of Euro, US Dollar, British Sterling, Singaporean Dollar and Australian Dollar. You can do this online in minutes and use these account details to receive payments in these currencies for free
• Hold over 50 currencies within your Wise account, converting between then at the mid-market exchange rate as and when you need them
• Spend money around the world with the Wise debit card at the best exchange rate and low fees
• 34% of Wise’s transfers are instant
• Track the status of your transfer via your Wise account or receive notifications via email
• Account can be opened online in minutes with access via desktop and mobile app
• Customer support provided over phone, live chat and email in multiple languages

Who is the Wise account for?

The Wise account is ideal for anyone with a need to:

• Send money overseas to friends and family
• Receive payments in multiple currencies for personal or business use
• Hold money in multiple currencies
• Get access to international bank details without the hassle and fees of visiting a bank branch - ideal for those living across two countries or with mortgages or fees to pay overseas
• Frequent travellers looking for the best way to avoid high exchange rate markups and transaction fees when spending abroad

Is Wise safe and secure?

Yes it is. Since 2011, more than 10 million customers in 170 countries have used Wise. They move over £4.5 billion every month of customers’ money.

They are regulated in every single country they operate in, from the FCA in the UK to FinCen in the US. They have a specialised, in-house team that looks after security.

By law, Wise has to safeguard customer funds. That means they keep all of their customers’ money in accounts that are completely separate to the ones they use to run their business. So if anything were to happen to Wise, your money would be safe (though please note Wise does not protect your money in financial protection schemes like the Financial Services Compensation Scheme (FSCS) as they don’t lend out customers’ money.) Instead money is held with established financial institutions like JP Morgan Chase and Barclays to protect customers’ funds.

What are the fees?

• Free to open a personal account
• No monthly minimums or monthly account charges
• Pay a small fixed fee & a % of the transfer volume sent when you send money overseas (differs dependent on currency route)
• Money is always converted at the mid-market rate
• £5 fee for ordering debit card
• Discounted fees available for transfers above £100K either in one transfer or made within a one month period
• See how much it would cost you via the calculator below

GBP - USD 1.2496 GBP - EUR 1.1658 GBP - JPY 195.0897 GBP - AUD 1.9170 GBP - CAD 1.7069 GBP - SGD 1.7009 GBP - NOK 13.7122 GBP - EGP 59.8638 GBP - DKK 8.6938 GBP - AZN 2.1305 GBP - BOB 8.6515 GBP - XAF 764.1056 GBP - AFN 90.1140 GBP - DZD 168.3237 GBP - ARS 1,091.7958 GBP - AMD 487.2658 GBP - AWG 2.2493 GBP - BSD 1.2493 GBP - BHD 0.4710 GBP - THB 46.3168 GBP - PAB 1.2493 GBP - BBD 2.5224 GBP - BYN 4.0885 GBP - BYR 24,492.3579 GBP - BZD 2.5182 GBP - BMD 1.2496 GBP - VEF 4,526,778.2225 GBP - BRL 6.4481 GBP - BND 1.6983 GBP - BGN 2.2799 GBP - BIF 3,581.2643 GBP - CVE 128.4446 GBP - KYD 1.0411 GBP - XOF 764.1056 GBP - XPF 139.3942 GBP - CLP 1,185.2568 GBP - COP 4,945.6569 GBP - KMF 573.4149 GBP - CDF 3,498.9079 GBP - BAM 2.2783 GBP - NIO 45.9773 GBP - CRC 627.9822 GBP - CUP 33.1147 GBP - CZK 29.3115 GBP - GMD 84.8798 GBP - MKD 71.7318 GBP - DJF 222.4672 GBP - STD 25,864.4060 GBP - DOP 73.3986 GBP - VND 31,643.2517 GBP - XCD 3.3771 GBP - SVC 10.9312 GBP - ETB 71.1505 GBP - FKP 1.0031 GBP - FJD 2.8596 GBP - HUF 458.1702 GBP - GHS 16.8965 GBP - GIP 1.0031 GBP - XAU 0.0005 GBP - HTG 165.5974 GBP - PYG 9,280.5314 GBP - GNF 10,741.2302 GBP - GYD 261.3739 GBP - HKD 9.7841 GBP - UAH 49.5169 GBP - ISK 174.9952 GBP - INR 104.1468 GBP - IRR 52,577.3448 GBP - IQD 1,636.5280 GBP - JMD 194.7549 GBP - JOD 0.8856 GBP - KES 168.6981 GBP - PGK 4.8121 GBP - HRK 8.8474 GBP - KWD 0.3848 GBP - AOA 1,045.3024 GBP - MMK 2,623.5236 GBP - LAK 26,638.2819 GBP - GEL 3.3488 GBP - LVL 0.7559 GBP - LBP 111,874.8985 GBP - ALL 117.4190 GBP - HNL 30.8458 GBP - SLL 26,203.7035 GBP - LRD 241.5484 GBP - LYD 6.0795 GBP - SZL 23.7529 GBP - LTL 3.6898 GBP - LSL 23.7557 GBP - MGA 5,541.2938 GBP - MWK 2,165.4962 GBP - MYR 5.9700 GBP - MUR 58.0072 GBP - MXN 21.5169 GBP - MDL 22.2503 GBP - MAD 12.6428 GBP - MZN 79.3570 GBP - NGN 1,599.5256 GBP - ERN 18.7442 GBP - NAD 23.7554 GBP - NPR 166.3423 GBP - ANG 2.2516 GBP - ILS 4.7540 GBP - TWD 40.7354 GBP - NZD 2.0986 GBP - BTN 103.9651 GBP - KPW 1,124.6495 GBP - MRO 450.1266 GBP - TOP 2.9858 GBP - PKR 347.9288 GBP - MOP 10.0688 GBP - CUC 1.2496 GBP - UYU 47.9112 GBP - PHP 72.3050 GBP - BWP 17.2436 GBP - QAR 4.5493 GBP - GTQ 9.7197 GBP - ZAR 23.7939 GBP - OMR 0.4810 GBP - KHR 5,071.8270 GBP - RON 5.8013 GBP - MVR 19.3194 GBP - IDR 20,275.5486 GBP - RUB 115.3138 GBP - RWF 1,612.0657 GBP - SHP 1.5788 GBP - SAR 4.6868 GBP - XDR 0.9493 GBP - RSD 136.5674 GBP - SCR 16.8825 GBP - XAG 0.0455 GBP - PEN 4.6612 GBP - SBD 10.5907 GBP - KGS 111.0159 GBP - SOS 714.1319 GBP - TJS 13.6298 GBP - LKR 371.0465 GBP - SDG 732.2712 GBP - SRD 42.7360 GBP - SEK 13.6083 GBP - CHF 1.1413 GBP - SYP 3,139.6833 GBP - BDT 137.1054 GBP - WST 3.5034 GBP - TZS 3,236.4899 GBP - KZT 555.6838 GBP - TTD 8.4897 GBP - MNT 4,311.1553 GBP - TND 3.9338 GBP - TRY 40.6869 GBP - TMT 4.3736 GBP - AED 4.5897 GBP - UGX 4,759.6650 GBP - CLF 0.0430 GBP - UZS 15,853.9014 GBP - VUV 148.3563 GBP - KRW 1,722.7378 GBP - YER 312.8711 GBP - CNY 9.0552 GBP - ZMK 11,247.9979 GBP - ZMW 32.8880 GBP - ZWL 402.3739 GBP - PLN 5.0299 USD - GBP 0.8002 USD - EUR 0.9329 USD - JPY 156.1205 USD - AUD 1.5341 USD - CAD 1.3660 USD - SGD 1.3611 USD - NOK 10.9732 USD - EGP 47.9060 USD - DKK 6.9572 USD - AZN 1.7049 USD - BOB 6.9234 USD - XAF 611.4753 USD - AFN 72.1137 USD - DZD 134.7010 USD - ARS 873.7093 USD - AMD 389.9343 USD - AWG 1.8000 USD - BSD 0.9998 USD - BHD 0.3769 USD - THB 37.0650 USD - PAB 0.9998 USD - BBD 2.0186 USD - BYN 3.2718 USD - BYR 19,600.0015 USD - BZD 2.0152 USD - BMD 1.0000 USD - VEF 3,622,552.8145 USD - BRL 5.1601 USD - BND 1.3591 USD - BGN 1.8245 USD - BIF 2,865.9056 USD - CVE 102.7877 USD - KYD 0.8331 USD - XOF 611.4753 USD - XPF 111.5502 USD - CLP 948.5014 USD - COP 3,957.7603 USD - KMF 458.8751 USD - CDF 2,799.9999 USD - BAM 1.8232 USD - NIO 36.7933 USD - CRC 502.5426 USD - CUP 26.5000 USD - CZK 23.4565 USD - GMD 67.9250 USD - MKD 57.4034 USD - DJF 178.0293 USD - STD 20,697.9826 USD - DOP 58.7372 USD - VND 25,322.5020 USD - XCD 2.7025 USD - SVC 8.7477 USD - ETB 56.9381 USD - FKP 0.8028 USD - FJD 2.2884 USD - HUF 366.6506 USD - GHS 13.5214 USD - GIP 0.8028 USD - XAU 0.0004 USD - HTG 132.5192 USD - PYG 7,426.7423 USD - GNF 8,595.6660 USD - GYD 209.1644 USD - HKD 7.8298 USD - UAH 39.6259 USD - ISK 140.0399 USD - INR 83.3434 USD - IRR 42,075.0033 USD - IQD 1,309.6310 USD - JMD 155.8525 USD - JOD 0.7087 USD - KES 135.0006 USD - PGK 3.8509 USD - HRK 7.0802 USD - KWD 0.3079 USD - AOA 836.5029 USD - MMK 2,099.4739 USD - LAK 21,317.2765 USD - GEL 2.6799 USD - LVL 0.6049 USD - LBP 89,527.8515 USD - ALL 93.9646 USD - HNL 24.6843 USD - SLL 20,969.5053 USD - LRD 193.2990 USD - LYD 4.8651 USD - SZL 19.0082 USD - LTL 2.9527 USD - LSL 19.0105 USD - MGA 4,434.4186 USD - MWK 1,732.9376 USD - MYR 4.7775 USD - MUR 46.4202 USD - MXN 17.2189 USD - MDL 17.8058 USD - MAD 10.1174 USD - MZN 63.5054 USD - NGN 1,280.0198 USD - ERN 15.0000 USD - NAD 19.0103 USD - NPR 133.1153 USD - ANG 1.8018 USD - ILS 3.8044 USD - TWD 32.5985 USD - NZD 1.6794 USD - BTN 83.1981 USD - KPW 900.0004 USD - MRO 360.2137 USD - TOP 2.3894 USD - PKR 278.4299 USD - MOP 8.0576 USD - CUC 1.0000 USD - UYU 38.3409 USD - PHP 57.8620 USD - BWP 13.7992 USD - QAR 3.6406 USD - GTQ 7.7782 USD - ZAR 19.0411 USD - OMR 0.3849 USD - KHR 4,058.7279 USD - RON 4.6425 USD - MVR 15.4604 USD - IDR 16,225.5013 USD - RUB 92.2798 USD - RWF 1,290.0551 USD - SHP 1.2635 USD - SAR 3.7506 USD - XDR 0.7597 USD - RSD 109.2880 USD - SCR 13.5102 USD - XAG 0.0364 USD - PEN 3.7302 USD - SBD 8.4752 USD - KGS 88.8404 USD - SOS 571.4838 USD - TJS 10.9073 USD - LKR 296.9299 USD - SDG 585.9998 USD - SRD 34.1995 USD - SEK 10.8900 USD - CHF 0.9133 USD - SYP 2,512.5306 USD - BDT 109.7185 USD - WST 2.8036 USD - TZS 2,590.0000 USD - KZT 444.6858 USD - TTD 6.7939 USD - MNT 3,450.0006 USD - TND 3.1480 USD - TRY 32.5597 USD - TMT 3.5000 USD - AED 3.6729 USD - UGX 3,808.9204 USD - CLF 0.0344 USD - UZS 12,687.0795 USD - VUV 118.7220 USD - KRW 1,378.6203 USD - YER 250.3750 USD - CNY 7.2464 USD - ZMK 9,001.2067 USD - ZMW 26.3186 USD - ZWL 321.9996 USD - PLN 4.0252 EUR - GBP 0.8578 EUR - USD 1.0719 EUR - JPY 167.3442 EUR - AUD 1.6444 EUR - CAD 1.4642 EUR - SGD 1.4590 EUR - NOK 11.7620 EUR - EGP 51.3500 EUR - DKK 7.4574 EUR - AZN 1.8275 EUR - BOB 7.4211 EUR - XAF 655.4351 EUR - AFN 77.2981 EUR - DZD 144.3848 EUR - ARS 936.5215 EUR - AMD 417.9672 EUR - AWG 1.9294 EUR - BSD 1.0716 EUR - BHD 0.4040 EUR - THB 39.7296 EUR - PAB 1.0716 EUR - BBD 2.1637 EUR - BYN 3.5070 EUR - BYR 21,009.0744 EUR - BZD 2.1601 EUR - BMD 1.0719 EUR - VEF 3,882,983.4496 EUR - BRL 5.5311 EUR - BND 1.4568 EUR - BGN 1.9557 EUR - BIF 3,071.9398 EUR - CVE 110.1773 EUR - KYD 0.8930 EUR - XOF 655.4351 EUR - XPF 119.5697 EUR - CLP 1,016.6905 EUR - COP 4,242.2895 EUR - KMF 491.8643 EUR - CDF 3,001.2960 EUR - BAM 1.9542 EUR - NIO 39.4384 EUR - CRC 538.6711 EUR - CUP 28.4051 EUR - CZK 25.1428 EUR - GMD 72.8082 EUR - MKD 61.5302 EUR - DJF 190.8281 EUR - STD 22,185.9909 EUR - DOP 62.9599 EUR - VND 27,142.9738 EUR - XCD 2.8968 EUR - SVC 9.3765 EUR - ETB 61.0315 EUR - FKP 0.8605 EUR - FJD 2.4529 EUR - HUF 393.0096 EUR - GHS 14.4935 EUR - GIP 0.8605 EUR - XAU 0.0005 EUR - HTG 142.0462 EUR - PYG 7,960.6616 EUR - GNF 9,213.6210 EUR - GYD 224.2015 EUR - HKD 8.3926 EUR - UAH 42.4747 EUR - ISK 150.1076 EUR - INR 89.3351 EUR - IRR 45,099.8370 EUR - IQD 1,403.7823 EUR - JMD 167.0570 EUR - JOD 0.7596 EUR - KES 144.7060 EUR - PGK 4.1277 EUR - HRK 7.5892 EUR - KWD 0.3300 EUR - AOA 896.6403 EUR - MMK 2,250.4082 EUR - LAK 22,849.8068 EUR - GEL 2.8725 EUR - LVL 0.6484 EUR - LBP 95,964.1401 EUR - ALL 100.7198 EUR - HNL 26.4589 EUR - SLL 22,477.0338 EUR - LRD 207.1956 EUR - LYD 5.2148 EUR - SZL 20.3748 EUR - LTL 3.1650 EUR - LSL 20.3772 EUR - MGA 4,753.2154 EUR - MWK 1,857.5210 EUR - MYR 5.1210 EUR - MUR 49.7574 EUR - MXN 18.4568 EUR - MDL 19.0859 EUR - MAD 10.8448 EUR - MZN 68.0709 EUR - NGN 1,372.0423 EUR - ERN 16.0784 EUR - NAD 20.3770 EUR - NPR 142.6852 EUR - ANG 1.9314 EUR - ILS 4.0779 EUR - TWD 34.9421 EUR - NZD 1.8001 EUR - BTN 89.1793 EUR - KPW 964.7028 EUR - MRO 386.1100 EUR - TOP 2.5611 EUR - PKR 298.4467 EUR - MOP 8.6368 EUR - CUC 1.0719 EUR - UYU 41.0973 EUR - PHP 62.0218 EUR - BWP 14.7912 EUR - QAR 3.9023 EUR - GTQ 8.3374 EUR - ZAR 20.4099 EUR - OMR 0.4126 EUR - KHR 4,350.5158 EUR - RON 4.9763 EUR - MVR 16.5718 EUR - IDR 17,391.9763 EUR - RUB 98.9139 EUR - RWF 1,382.7990 EUR - SHP 1.3543 EUR - SAR 4.0202 EUR - XDR 0.8143 EUR - RSD 117.1449 EUR - SCR 14.4815 EUR - XAG 0.0390 EUR - PEN 3.9983 EUR - SBD 9.0845 EUR - KGS 95.2273 EUR - SOS 612.5686 EUR - TJS 11.6914 EUR - LKR 318.2766 EUR - SDG 628.1282 EUR - SRD 36.6582 EUR - SEK 11.6729 EUR - CHF 0.9790 EUR - SYP 2,693.1601 EUR - BDT 117.6064 EUR - WST 3.0052 EUR - TZS 2,776.1989 EUR - KZT 476.6549 EUR - TTD 7.2823 EUR - MNT 3,698.0262 EUR - TND 3.3743 EUR - TRY 34.9005 EUR - TMT 3.7516 EUR - AED 3.9370 EUR - UGX 4,082.7493 EUR - CLF 0.0368 EUR - UZS 13,599.1722 EUR - VUV 127.2571 EUR - KRW 1,477.7314 EUR - YER 268.3748 EUR - CNY 7.7674 EUR - ZMK 9,648.3166 EUR - ZMW 28.2107 EUR - ZWL 345.1486 EUR - PLN 4.3145