Question 1

How do I receive money to my Wise account details?

Accepted Answer

With Wise, you can get account details that you can share with others to receive payments.

Once you get account details, you can share them with the person or business that wants to pay you and they can send you money directly from their bank.

How your account details work

How do I open account details?

If you live in a country that’s eligible for Wise balances, you can get account details by selecting one of the eligible currencies from the home screen and selecting Get account details.

We’ll guide you through the setup process — there may be requirements if it’s your first time.

Learn more about getting account details

What currencies and types of payments can I receive?

You can get account details in over 10 different currencies including USD, EUR, and GBP.

Learn what currencies and payment types you can receive

With GBP account details, you can receive international Swift payments from outside the UK in 23 different currencies. Learn more about receiving to your GBP account details
With EUR account details, you can receive international Swift payments from outside the SEPA region in 5 different currencies. Learn more about receiving with your EUR account details

Wise doesn’t accept cash or cheque payments. We can receive from some Cryptocurrency platforms, but not from all.

Learn more about receiving from Cryptocurrency platforms

What happens after I receive the money?

Your payment will be added directly into the relevant currency balance on your Wise account — you'll see it under Transactions.

Once the money is on your balance, you can convert it to any available currency, hold it on your Wise account, or send it to an external bank account.

Fees and limits

Most currencies have no receiving fees, with the exception of USD domestic and international wires and CAD international wires.

And most currencies have no receiving limits with the exception of USD and SGD. Read more on fees and limits here

Checking and sharing your account details

How do I check my account details?

Once you've opened your account details, on app or web:

From Home, select one of your balances
Select the account details button just under the currency
You can view and copy your account details to share with others.

What details should I provide for domestic payments?

Domestic account details are available for many currencies. These allow you to get paid like a local, wherever you are. For example, someone can pay you USD as if you’re located in the US — even if you’re actually somewhere else.

Domestic payments are usually the cheapest and fastest way to receive money with your account details.

When receiving a domestic payment, you'll typically need to provide the sender with these details:

Account Number: Your account’s unique identifier within the bank.
IBAN (International Bank Account Number): Used in many countries, it includes your country code, bank code, and account number.
Routing Number - can be for ACH and Wire payments (for U.S.): A 9-digit code identifying your bank.
Sort Code (for the UK): A 6-digit code identifying your bank and branch.
BSB Code (for Australia): A 6-digit number used to identify the individual branch of an Australian financial institution.

What details should I provide for international payments?

For international payments, provide the sender with:

Swift/BIC: A unique code to identify your bank globally.
IBAN (International Bank Account Number): Used in many countries, it includes your country code, bank code, and account number.
Name: Name as it appears on your account.

Are there other ways to receive money to my Wise account?

You can also receive payments in other ways such as through your email address or phone number, your Wise card details, or by sending a request. Learn more about these other ways to receive here

Question 2

How do I add money to a balance?

Accepted Answer

If you have a Wise balance, you can add and hold money in it, make payments, transfer funds, or spend money with your Wise card.

There's a few different ways that you can add money to your Wise balances.

How do I add money from Wise?

To add money via Wise:

From Home, select Add Money, or select the specific balance you want to top up, then select Add.
Enter the amount and currency that you want to add.
Choose your preferred payment method and select Continue to payment.
Follow the on-screen instructions to complete the payment.

Note for BRL: due to Brazilian regulations, IOF tax will be charged if you add money to a BRL balance when paying in another currency.

How do I add money directly from my bank?

Another way to add money is to send it directly from your bank to your Wise account details via a bank transfer (direct deposit). You don’t have to set up a Wise transfer with this method.

To do this:

You’ll first need to get account details, if you don’t have them already.
Select the currency balance that you want to receive money to, and select the account details button to view and copy them.
Then, from your online banking, set up a bank transfer and add your Wise account details as the recipient.
Follow the on-screen instructions from your bank to complete the payment. Contact your bank if you have any questions for this step.

Check here for fees and limits when receiving money this way

Once you have money in your balance, you can:

Learn more about what you can do with your money in your Wise account

Question 3

How Wise keeps your money safe

Accepted Answer

Wise is licensed to hold your money, and as part of keeping it safe, we follow strict rules set out by the regulators in the countries where we operate.

As of 30 September 2024, our customers are trusting us with the equivalent of 14.7 billion GBP in their Wise accounts.

If you keep money with us, our regulatory obligation is to hold all of it in cash, secure liquid assets, or insured by a comparable guarantee.

How is this different from a bank?

We don’t lend out your money. Banks do. This is why governments require them to insure their deposits by participating in country-specific deposit insurance schemes, like the FSCS in the UK.

Because we’re not lending your money, we handle it differently by safeguarding it.

What is safeguarding?

Safeguarding means we look after your money by keeping it separate from our own money, and making it available to you whenever you need it.

How we hold your money can vary by country, for example:

Learn which Wise group entity provides services to you

Learn more about where we’re regulated

How we keep your money available to you even during market turmoil

We make sure your money is safe and readily available to you. Most of your money is in secure liquid assets — such as EU, UK and US Government bonds, and money market funds as of 1 April 2024.

For a government bond to fail, the government would need to default on their loan payments, which almost never happens with stable governments.

The bonds we hold are mostly short-term bonds, so we’re not materially exposed to increasing interest rates, making us more resilient.

The average duration of the bonds we hold is under 6 months, with the majority of bonds having a remaining term of 3 months or less.

The money that we put into banks, we hold it in several reputable banks with strong liquidity.

	Poplatky
Jak získat detaily účtu pro příjem peněz v 23 měnách Zjistěte více	Zdarma
Přijímání tuzemských plateb (neplatí pro SWIFT a bankovní převody) Dostanete AUD, CAD, EUR, GBP, HUF, NZD, SGD, TRY, USD	Zdarma
Přijímání USD převodem wire a platby SWIFT Fixní poplatek za každou platbu	6.11 USD
Přijímání plateb SWIFT v GBP Fixní poplatek za každou platbu	2.16 GBP
Přijímání plateb SWIFT v EUR Fixní poplatek za každou platbu	2.39 EUR
Přijímání plateb SWIFT v dalších 20 měnách Ceny vidíte zde

Poplatky za příjem a dobití peněz

Nechávejte si posílat peníze – s Wise to máte zdarma

Nechávejte si posílat peníze – s Wise to máte zdarma

Získejte detaily zahraničního účtu podle vašeho výběru – zdarma

Pak si nechte poslat peníze na kterýkoli účet

Zvolte váš poplatek za dobití peněz

Cena závisí na zvoleném způsobu platby

Zaplaťte bankovním převodem a poplatky se vás netýkají

Top tipy pro přijímání peněz

Nechávejte si posílat peníze jako doma

Nechávejte si posílat plat na Wise

Nechte si posílat peníze rychle a zdarma od ostatních uživatelů Wise

Často kladené otázky

How do I receive money to my Wise account details?

How do I add money to a balance?

How Wise keeps your money safe