Large transfers need
more than a great rate

We don’t do hidden fees or exchange rate markups. And we believe your large transfer deserves dedicated support — as well as a low fee.

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You send exactly

Recipient gets

Arrives

by Monday 16 November

Total fees (0.45%)

Included in AUD amount

59.55 AUD volume discount

Compare our fees to see how much you can save

We want you to have a crystal clear view of how much money arrives at the other end. That’s why we never add a mark-up to the exchange rate and show our fee transparently instead.

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Sending 1,000 AUD with	Recipient gets(Total after fees)
	43,141.89 PHP
Transfer fee 5.89 AUD Exchange rate(1 AUD PHP) 43.3975 Exchange rate markup 0 AUD Cost of transfer 5.89 AUD

	43,060.18 PHP- 81.71 PHP
Exchange rate(1 AUD PHP) 43.0602 Exchange rate markup 7.77 AUD

	42,130.91 PHP- 1,010.98 PHP
Exchange rate(1 AUD PHP) 42.1309 Exchange rate markup 29.19 AUD

	40,854.67 PHP- 2,287.22 PHP
Transfer fee 5.99 AUD Exchange rate(1 AUD PHP) 41.1009 Exchange rate markup 52.60 AUD Cost of transfer 58.59 AUD

This applies when you pay in via bank transfer. How do we collect this data?

We're regulated in every available region
We help 18.9 million customers move $74 billion every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

Send more, pay less

Sending large amounts is cheaper for us. So we’ve made it cheaper for you. That’s why you get a discount when you send over 40,000 AUD.

Send now

Start saving from 40,000 AUD

We apply your discount automatically as soon as you hit 40,000 AUD or equivalent. Whether you send in one or multiple transfers.

Major currencies included

Euro or yen, pounds or pesos. Your transfers in most major currencies will add up to unlock discounts, not just AUD.

Save throughout the month

Once you hit 40,000 AUD, you'll save on transfers for the rest of the month. Resets on the first.

Get dedicated support from our experts

If you’re sending or receiving large amounts our team of experts are ready to help with every step of your transfer.

Get expert help

Track your transfer at every step

It’s easy to view your transfer’s progress using your Wise account. Just log in using our app or website.

*Transaction speed claimed depends on individual circumstances.

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For big money transfers at life’s big moments

Selling in one country to buy a home in another

If you’re selling up overseas to fund buying a home in your country of residence, our team of experts are ready to help. We regularly work with people who want to safely move big money from one country to another so they can complete a property purchase.

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How to move big money

Follow our 6 simple steps to making a large transfer. You can also and download our full PDF guide to learn more.

Online scams are on the rise. Learn more about staying safe when moving money.

Create a free Wise account

Sign up online or in our app for free. All you need is your email, Google or Facebook account. Then we’ll verify your I.D to help keep your money safe.

Check if you need to pay in-branch

Most banks have limits on how much you can send in one go online — and they may need you to visit a local branch to pay in person. To make the process smoother, it’s a good idea to make sure you can go on the day you set up your transfer.

Set up your transfer

Tell us how much you want to send, and who you’re sending money to. We’ll tell you our fees upfront, and when your money should arrive.

Send verification documents

When you send a large amount, we may ask for more info about where your money comes from. It’s one way we keep your money safe.

Pay for your transfer

Depending on your bank’s limits, you’ll probably need to go to your bank branch to pay. We’ll give you all the information you need. If you can’t get to your branch, get in touch with our team.

That’s it

We’ll handle the rest. You can check your transfer’s progress at any time on the Wise app or website.

The paperwork you may need to get your large transfer done

We may ask for documents that show where your money comes from. Here are some that you may need, have them ready to help speed up your transfer. Learn more about the documents you may need.

Bank statement
It needs to have:
1. Name and account number
2. The money going in and out of your account
Sales agreement or solicitor's letter
It needs to have:
1. Signatures of both parties
2. Property address and description
3. Dates of ownership

Your money is safeguarded

We’re licensed to hold your money and follow strict rules to keep it safe. That means we hold it with established institutions, separate from our own accounts.

Learn more about safeguarding