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Your free multi-currency account in minutes.

28 currencies, international bank details and a debit card to spend around the world with the real exchange rate.

Always clear, transparent pricing

Borderless EUR balance

28 currency balances.

Hold up to 28 currencies in your account and switch between them in seconds — on the move, in the moment, or just when the rate is right.

You'll always get the real exchange rate and the low, transparent fees we're known for.

See currencies

28 currency balances.

International bank details.

Once your account's set up, get your international bank details with a single click. You'll get:

  • Australian account number and BSB code
  • British account number and sort code
  • European IBAN
  • US account number and routing number

Use your bank details to get paid in Australia, Eurozone, US and UK and no-one pays any fees.

Get started

International bank details.

Wise debit Mastercard®

Use your Wise debit Mastercard around the world, with no sneaky fees or hidden charges.

  • Free to pay with currencies in your account
  • Free ATM withdrawals up to £200 / month
  • You only pay a small fee if you need to convert a currency, always fair and transparent — between 0.35% and 1%

Debit cards are currently available by invitation-only. Create your borderless account to be eligible for a beta invite. Coming soon for everyone.

Wise debit Mastercard®

Easy online setup.

Get your free account quickly and easily online.

Just complete your profile and upload your ID documents to verify your account for security. Then start sending and receiving money around the world.

Easy online setup.

I use it to pay my son’s tuition fees, my mortgage and spending abroad.

Gavin, father & business-owner

Get your borderless account

Coverage.

Get local bank details.

These currencies come with your very own bank details. Anyone can use these to pay you just like they'd pay a local.

GBPBritish Pound

Get your own Account Number and Sort Code.

EUREuro

Get your own SWIFT/BIC and IBAN details.

USDUS Dollar

Get your own Routing (ABA) and Account Number.

AUDAustralian Dollar

Get your own BSB Code and Account Number.

NZDNew Zealand Dollar

Get your own Account Number.

HUFHungarian Forint

Get your own Account Number.

RONRomanian Leu

Get your own SWIFT/BIC and IBAN details. Currently only available to residents of the UK and Romania.

SGDSingapore Dollar

Get your own Account Number.


Hold & manage money.

You can hold and manage money in more than 50 currencies. This lets you avoid exchange rate movements and prep for future transfers.

GBPBritish Pound

AUDAustralian Dollar

AEDUnited Arab Emirates Dirham

ARSArgentine Peso

BDTBangladeshi Taka

BWPBotswana Pula

BGNBulgarian Lev

CHFSwiss Franc

CLPChilean Peso

CNYChinese Yuan

CRCCosta Rican Colón

CZKCzech Koruna

DKKDanish Krone

EGPEgyptian Pound

GELGeorgian Lari

GHSGhanaian Cedi

HKDHong Kong Dollar

HRKCroatian Kuna

EUREuro

CADCanadian Dollar

HUFHungarian Forint

IDRIndonesian Rupiah

ILSIsraeli Shekel

INRIndian Rupee

JPYJapanese Yen

KESKenyan Shilling

KRWSouth Korean Won

LKRSri Lankan Rupee

MADMoroccan Dirham

MXNMexican Peso

MYRMalaysian Ringgit

NGNNigerian Naira

NOKNorwegian Krone

NPRNepalese Rupee

PENPeruvian Sol

PHPPhilippine Peso

NZDNew Zealand Dollar

USDUS Dollar

PLNPolish Zloty

PKRPakistani Rupee

RONRomanian Leu

RUBRussian Ruble

SEKSwedish Krona

SGDSingapore Dollar

THBThai Baht

TRYTurkish Lira

TZSTanzanian Shilling

UAHUkrainian Hryvnia

UGXUgandan Shilling

UYUUruguayan Peso

VNDVietnamese Dong

XOFWest African CFA Franc

ZARSouth African Rand

ZMWZambian kwacha


Send money to 80+ countries.

You can use money in your multi-currency account to send to any of the currencies on Wise.

United Arab Emirates Dirham

Argentine Peso

Australian Dollar

Bangladeshi Taka

Bulgarian Lev

Brazilian Real

Botswana Pula

Canadian Dollar

Swiss Franc

Chilean Peso

Chinese Yuan

Costa Rican Colón

Czech Koruna

Danish Krone

Egyptian Pound

Euro

British Pound

Georgian Lari

Ghanaian Cedi

Hong Kong Dollar

Croatian Kuna

Hungarian Forint

Indonesian Rupiah

Israeli Shekel

Indian Rupee

Japanese Yen

Kenyan Shilling

South Korean Won

Sri Lankan Rupee

Moroccan Dirham

Mexican Peso

Malaysian Ringgit

Norwegian Krone

Nigerian Naira

Nepalese Rupee

New Zealand Dollar

Peruvian Sol

Philippine Peso

Pakistani Rupee

Polish Zloty

Romanian Leu

Russian Ruble

Swedish Krona

Singapore Dollar

Thai Baht

Turkish Lira

Tanzanian Shilling

Ukrainian Hryvnia

Ugandan Shilling

Uruguayan Peso

US Dollar

Vietnamese Dong

West African CFA Franc

South African Rand

Zambian kwacha

Wise financial regulation

Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the UK.

This means we're required by law to keep your money safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo.

The Wise debit Mastercard® is issued by TransferWise Ltd under license by Mastercard International Inc. Mastercard is a registered trademark, and the circles design on the card is a trademark of Mastercard International Incorporated.

Wise financial regulation

Frequently asked questions

It's free to set up your borderless account.

It's free to get your international bank details and free to receive money using those bank details.

There's a cheap, transparent fee to convert between currencies. You'll always see this upfront, so there's no nasty surprises.

[Read more about pricing] (https://wise.com/help/article/2736166/borderless-account/borderless-account-pricing)

We're currently inviting groups of customers with borderless accounts in the EEA to order a debit card.

If you already have a borderless account and are based in the EEA, you should receive an invitation from us before long. If you don’t have a borderless account yet, you can get set up today to make sure you get an early invitation to receive a card.

If you have any issues just get in touch with customer support, we’re always happy to help.

There's a cheap, upfront fee to convert currencies in your account. It depends on the currencies you're converting, but here are a few examples:

  • from GBP to EUR 0.35%
  • from GBP to INR 0.55%
  • from EUR to GBP 0.5%
  • from EUR to USD 0.5%
  • from USD to GBP 0.85%
  • from USD to EUR 1%
  • from AUD to GBP 0.7%
  • from AUD to USD 0.7%

You'll always see these fees upfront, so there are no nasty surprises. And you're guaranteed the mid-market exchange rate — like the one you see on Google.

[Read more about pricing] (https://wise.com/help/article/2736166/borderless-account/borderless-account-pricing)

Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the UK.

This means we're required by law to keep your money safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo.

These accounts are reserved for customer money, this means your money is kept in a separate account from the money we use to run the business.

In the unlikely event Wise ceased to exist, your money would be paid back from this account, ie from Barclays or Wells Fargo.

Millions of customers trust Wise with their money. We move over £1 billion every month, and we take the safety and security of your money seriously.

The Wise debit Mastercard is issued by TransferWise Ltd under license by Mastercard International Inc. Mastercard is a registered trademark, and the circles design on the card is a trademark of Mastercard International Incorporated. Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.

Bye bye bank fees, hello world.

Bye bye bank fees, hello world.

Let's get started