Use Wise to send money abroad, or spend at the real exchange rate when you travel or shop online. Save when you send, receive and spend worldwide.
* Your free transfer may vary depending on the exchange rate at the time of transaction.
Wise combines a multi-currency account, debit card, and international transfers into a single, transparent platform.
Wise uses the mid-market rate — the same rate you see on Google — with no hidden markup. You always know exactly how much your recipient gets before you send.
Pay like a local in 160+ countries. Spend directly from your multi-currency balance, automatically converting at the best available rate. Free for new users via our referral link.
Hold balances in 50+ currencies simultaneously. Get local bank details in the US, UK, EU, Australia and more — so clients can pay you like a local without extra fees.
No hidden charges. Wise shows you the exact fee upfront — typically 0.35%–1.5% depending on the route. Banks often markup rates by 3–7% without telling you.
50% of Wise transfers arrive within 20 seconds. Most complete within 1 business day. Speed depends on currency, payment method and recipient country.
Wise is regulated by the FCA in the UK and licensed by financial authorities in every country where it operates. Funds are safeguarded in tier-1 banks.
Getting started with Wise takes less than 10 minutes. Here's all it takes.
Create a free Wise account using your email. Identity verification is quick and secure.
Fund your account via bank transfer, debit card, or credit card in your local currency.
Enter the amount, choose the destination currency, and see the exact rate before confirming.
Use your Wise card to pay in 160+ countries at the real exchange rate, with zero transaction fees.
After testing Wise extensively for international transfers and travel spending, here's our honest assessment.
Wise is one of the few financial apps that genuinely delivers on transparency and fairness. Whether you're a freelancer, expat, or frequent traveller, it's the smarter alternative to your bank.
Get Started — Free Transfer ↗"As a freelancer working with international clients, Wise has saved me hundreds every month. The real exchange rate is a game-changer compared to what my bank was charging."
"I travel constantly for work. The Wise card is the only travel card I now carry — no nasty surprises at the ATM and I always know exactly what I'm spending."
"Setting up the multi-currency account was incredibly easy. I now receive USD payments from American clients directly without losing money on conversion."
Join 16 million people who use Wise. Send money to 50+ currencies with no hidden fees, no exchange rate markups.
Open Your Free Wise Account ↗* Your free transfer may vary depending on the exchange rate. Wise is regulated and licensed globally.