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Fees for holding money

Hold 50+ currencies in your Wise account for free. Pay a small fee for larger amounts.

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Wise currency accounts illustration

Holding money with Wise

It’s free to keep most currencies in your Wise account, up to a limit

From US dollars to South African rand, hold your money in different currencies without fees.

There’s an annual fee to hold large amounts

For example, if you keep more than 70,000 EUR in your Wise account, we’ll charge a 0.033% fee monthly (fee accrues daily, starting with the third day after the balance exceeds the stated limits).

Monthly fees
Less than 18,000 USD
Free
Less than 70,000 EUR
Free
Less than 23,000 AUD
Free
Less than 13,000 GBP
Free
See full list of currencies

Want to hold a larger amount?

Calculate your fees

23,000 AUD or lessFree
Extra 11,500 AUD

It’s free for the first 3 days

You can keep more than the currency holding limit in your account for 3 days. After the third day, we’ll apply a fee.

Then, we’ll charge an annual fee

We’ll take the fee from your account at the end of each month. The amount’s based on the number of days per year you hold money with Wise.

We’ll only charge for the extra amount

For example, if you’ve got 46000 EUR in your account, we’ll only take a fee for 23000.

Convert currencies in your Wise Account

You always get the real exchange rate. You'll only pay a small fee to convert the money in your account into another currency.

Frequently asked questions