TransferWise is now Wise.

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International business banking for freelancers.

A free multi-currency account for freelancers to invoice like a local around the world and receive multiple currencies for free.

Now 19x cheaper than PayPal →

Wise Business - customers and balances shown on screen

Pay invoices and people abroad

Receive money like a local

Integrate seamlessly with Xero

Automate work with our API

Get paid with zero fees.

Invoice your clients in their currency and receive money with no fees.

Get your own UK, Eurozone, Australian, New Zealand, and US bank details for free in minutes — without a local address. Use them to invoice clients or withdraw money from platforms like UpWork and

Get started now →

Get paid with zero fees.

Pricing as it should be.

Unlike PayPal and banks, we never inflate exchange rates or charge you to receive international payments.

There are only low, transparent fees to convert currencies, add money, and send money to a bank account.

More details on pricing here →

Account pricing
Create your accountFree
Hold 50+ currency balancesFree
Receive money in EUR, GBP, AUD, NZD, RON, HUF & SGDFree
Convert currencies


Add money with Direct debit


The features freelancers love.

Xero integration
Connect with Xero and your favourite accounting tools.
Learn more →
Open API
Automate payments and workflows with our API.
Explore our docs →
Monthly statements
Download statements for every balance you hold.
Get started today →
Coming soon! Debit card
Spend and track your expenses in one place.
Get started today →

By the people who made Skype

Richard Branson is a key investor

6 million customers globally

Regulated like a bank

International payments, 19x cheaper.

Pay invoices and buy inventory with the real exchange rate in over 70 countries — for way cheaper than PayPal.

Send money directly from your own debit card or bank, or make payments from your account balance. Your recipient doesn't need a Wise account to receive their money.

See how we compare to PayPal →

Coverage around the world.

You can send money to 70+ countries, and receive and hold 40+ currencies.

You also get your own Eurozone, UK, Australia, New Zealand, and US bank details to get paid like a local.

See what currencies we cover →

Coverage around the world.


Business without borders.

Business without borders.

Open a free account in minutes.

Create your account