Skip to content

The current account for Everyday spenders

Finance essentials, day-to-day money management and quick transfers that work at home and abroad. 1

A person making a purchase using their Wise digital card through Apple Pay

Make every day easier

Spend every day

Keep on top of groceries, travel and general spending

Bills and subscriptions

Manage your budgets and stay in control of regular bills

Spending with friends

Easily share payments with the people around you

All the essentials

Get paid, from anywhere

Earn your salary at home, or receive payments from abroad with IBANs, routing numbers and more.

Manage your bills effortlessly

Set up Direct Debits and we'll remind you if your balance gets low so you never miss a payment.

Give your money a boost

Earn variable returns with Interest, and keep spending your money like normal. Capital at risk, growth not guaranteed. 2

3.76%

3.02%

Ready for any payment

Add digital cards to your wallet to use online or in person, and get a physical card to take out cash.

Wise digital cards in a flow composition

Send money in the same currency for free

Transfers arrive in seconds, and if you send from your Wise account it's completely free.

A phone screen showing a Wise account sending 45 AUD to another Wise account. There is no fee and the money will be sent immediately

Completely convenient

A breakdown of expenditures showing General at 57%, Bills at 31%, and Transport at 12% with corresponding progress bars and icons.
Track all your spending in the app
Two friends looking at a phone outdoors with a UI overlay of a payment link being shared

Split any payment with family and friends

Three Wise jars organised for travel, rainy day and savings
Stash your cash and organise it in Jars

Deliberately different to banks

Unlike banks, your Wise account works the same abroad as it does at home. And it’s up to 75% cheaper internationally.3

Pay without any hidden foreign transaction fees
Open an account for free, with no subscriptions
Always get our best rates with auto conversions

FAQ

A Wise account is free to open and we don’t charge a subscription. You only pay when you convert money. If you have EUR in your account and spend in EUR, we won’t charge a conversion fee. If you have GBP in your account and spend EUR, we charge a fee. See a full breakdown of our prices here.

Using your card anywhere free, and if you don’t convert money we don’t charge a fee. If you take out cash, the first £200 is free every month and after that we charge a fee. See our prices here.

LOVED WORLDWIDE

1 Your Wise Current Account is an e-money account, which means that funds are not protected under the Financial Services Compensation Scheme (FSCS). Instead, we safeguard your funds in line with our regulatory obligations. Learn more.

2 This general advice presented by Wise Australia Investments Pty Ltd (AFSL: 545411) has been prepared without taking into account your objectives, financial situation or needs. You should consider whether the product is appropriate for your financial circumstance and read the fund's Product Disclosure Statement before making a decision on the advice.

Investments can fluctuate, and your capital is at risk. Interest is not a deposit product and your capital is not protected under the Financial Claims Scheme. The Variable rate is based on the Yield to Maturity as of 31/07/2026 and is exclusive of Wise fees. Past performance does not guarantee future growth. Franklin Templeton is the issuer and fund manager of the Franklin Government Cash Fund.

Interest is offered by Wise Australia Investments Pty Ltd ACN 659 961 083. Wise Australia Investments Pty Ltd holds an Australian Financial Services licence (AFSL) number 545411 issued by the Australian Securities & Investments Commission (ASIC). The currency account is provided by Wise Australia Pty Ltd (AFSL: 513764).

Please be aware that we do not offer investment advice, and you may be liable for taxes on any earnings. If you're uncertain, we urge you to seek professional advice. To find out more about the Funds, visit our website.

3 Savings based on comparisons with select competitors in July 2025. Learn more.