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The Wise account: The most international student account ever.

Hold, receive, spend, and send money from one account. Use it as a local account, or as a multi-currency account to hold 50+ currencies. For students and supporters.

See how it works →

international student

Everything a student needs. Financially, at least.

$0 monthly fee, receive money for free
You can hold up to 23,000 AUD for free. And you can get account details to receive money for free in AUD, NZD, GBP, SGD, EUR, USD and more. We’re regulated like a bank, so your money’s safe with us.
Open your free account
Easy-to-use app
Manage your money anytime, anywhere with our mobile app. It tracks your transactions in real time to help you stay on budget. Use our Jar feature to stash away money you want to use later.
Check out Jar feature
Get a debit card
Pay in foreign currencies, always at the real exchange rate. Withdraw cash locally or overseas. Add your card to Apple or Google Pay for fast and secure payments in stores and online. Get virtual cards to pay safely online.
Get your card for 10 AUD
Easy bill, rent, and tuition payments
Make local bank transfers to bank accounts or BPAY billers. Set up scheduled transfers or direct debits and we’ll take care of the rest. You can also pay using the Wise debit card.

For students and supporters worldwide.

Receiving money from your friends or loved ones? Anyone can use Wise to send you money at the real exchange rate, with no hidden fees. Sign up online and send money to a Wise account or any local bank account.

Banks and money transfer services often mark up their exchange rates and charge high fees for sending money overseas. At Wise, we give you the real exchange rate, with transparent, upfront fees.

See how Wise helps students and their families save money.

Pay tuition fees in 3 easy steps.

1. Set up a transfer

1. Set up a transfer

Once you've created your account, log in and set up a transfer. Tell us how much you'd like to send. Set up a transfer now >

2. Add your recipient’s details

2. Add your recipient’s details

Choose the university you want to pay to and fill in the Customer Reference Number (often the student ID or reference number provided by the university).

3. Pay for your transfer

3. Pay for your transfer

And that’s it! Once your money reaches Wise, we’ll send it to the university.

Simple, transparent pricing

The Wise student account is free to set up and use. And there are never any minimum balance or recurring fees to worry about.

Account pricing
Create your accountFree
Get an Australian account and BSB numberFree
Receive money in EUR, GBP, AUD, NZD, RON, HUF & SGDFree
Order a Wise debit card

10 AUD

Convert a currency using your card


First 2 ATM withdrawals up to $350 / monthFree
Hold 50+ currency balances

See free allowances


Wise gives you the real exchange rate (the mid-market rate) — like the one you see on Google, with a low, upfront fee.

Banks and money transfer services often mark up the exchange rate, and charge a transaction fee on top. Some banks and money transfer services promise a 0% fee or no commission, but they hide those costs in their version of the exchange rate. So watch out for that! Learn more about mid-market rate.

You can sign up for a Wise account for free. Check out our pricing calculator here.

Send money: We give you the real exchange rate and charge a low, upfront fee for sending money.

Receive money: It’s free to receive money with your Wise account in 9 different currencies, including AUD.

Spend money: You can spend at the real exchange rate, with a low conversion fee, if you need to convert currency with your Wise account.

Most providers and banks have to go through intermediary banks to get your money to your recipient. Each intermediary bank takes a fee from your transfer, which increases the total cost.

Wise developed new technology and payment rails that let us cut out the middlemen, and offer you the real exchange rate for a low fee and no hidden charges.

Learn more about sending money with banks.

We’ve been around for 10 years and we’re regulated by the Financial Conduct Authority (FCA), and numerous authorities around the world.

In Australia, Wise Australia Pty Ltd is authorised by the ASIC and APRA. Wise Australia Pty Ltd holds an Australian Financial Services licence (AFSL: 513764) issued by the Australian Securities & Investments Commission (ASIC). We’re also a Purchased Payment Facility provider authorised by the Australian Prudential Regulation Authority (APRA).

We support all universities worldwide. You can easily pay your tuition fees directly to your university’s bank account using the details they’ve given you. In Australia, you can pay to your university’s bank account number or their BPAY biller code.

Once you’ve signed up for a free Wise account:

  1. Create your transfer and tell us how much you’d like to send
  2. Tell us which university you’re paying and we’ll show you the BPAY biller code for the university. Enter the Customer Reference Number (often the Student ID or reference number provided by the university).
  3. Pay Wise for the transfer using a bank transfer, or debit or credit card (depending on which country you’re paying from). Once we’ve received your money, we’ll send the money to the university.

Once we receive your money, it usually takes 0-2 working days to get to your university’s bank account. We’ll always give you an estimate of how long your transfer will take when you set it up. You can also keep track of its status on our app or website.

Yes, you can use Wise to send money to over 80 countries.

Yes, there are limits for how much you can send with us. They depend on which currencies you send to and from, and how you pay. You can check the limits for each currency here. If you’re sending money to Australia, you can send up to 1.5 million AUD per transfer.

Yes, besides sending money, the Wise multi-currency account offers local account details for 9 different currencies, including an Australian account number and BSB code.

These are the account details you can share with others to receive money like a local. If you’re a student, you can use your unique account number to receive money from your supporters. If you’re a supporter living outside Australia, you can send money to the student’s Australian account for their daily expenses.

You can hold, receive, send, and spend money using your Wise multi-currency account.

You can hold more than 50 currencies, and convert between them at the real exchange rate whenever you need.

You can get account details for some currencies to receive money from around the world.

You can send money from your account to a bank account whenever you like — we'll charge a fixed fee when you do this, and a conversion fee when you send to a different currency.

And you can spend the currencies in your account around the world with the Wise debit card.

The multi-currency account is currently available in the UK, US, Australia, New Zealand, Singapore, Japan, Switzerland, and EEA.

Once you’ve created your Wise account, you can apply for the debit card online. It lets you spend money with low conversion fees and zero transaction fees, at the real exchange rate.

The Wise card is currently available for multi-currency account holder residents in the UK, US, Australia, New Zealand, Singapore, Japan, Switzerland, and EEA.

Save money on tuition fees.

Save money on tuition fees.

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