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Wise fees

Whether you're sending money, or spending on your Wise card, this is your place for all things pricing.
There's a small fee to convert currencies — either within your account, or when you pay with your Wise debit card in a currency you're not holding in your account.

What your fees pay for

We only ever charge you what it costs us to send your money, plus a small margin. We reinvest that back into improving Wise.

Our costs
  • 12% Offices and running costs
  • 14% Operations and customer support teams
  • 18% Margin and growing Wise
  • 20% Building our products
  • 36% Banking partners and money-moving costs

We calculated this data on 2nd August 2019, and it shows the average cost of transfers across all currencies.

Our three principles


Be radically transparent

Most companies aren't always 100% honest about their fees and profits. We believe in having nothing to hide.


Charge as little as possible

Most companies charge as much as they can get away with. We do the opposite.


Make premium the new normal

Most companies make you pay more for ‘premium’ stuff. We believe the best-possible should be standard.