Pay invoices and people abroad
Receive money like a local
Integrate seamlessly with Xero
Spend with a free debit card
Get paid with zero fees.
Invoice your clients in their currency and receive money with no fees.
Get your own US, Eurozone, Australian, New Zealand, and UK bank details for free in minutes — without a local address. Use them to invoice clients or withdraw money from platforms like UpWork and Freelancer.com.
Spend anywhere with no hidden fees.
Use your Wise Business Mastercard® to pay business expenses and spend online or in-store all over the world.
If you don’t have the currency in your account, we’ll automatically convert the amount for you.
The features freelancers love.
- Connect with Xero and your favourite accounting tools. Learn more →
- Automate payments and workflows with our API. Explore our docs →
- Download statements for every balance you hold. Get started today →
- Spend and track your expenses in one place. Order your card →
By the people who made Skype
Richard Branson is a key investor
6 million customers globally
Authorised by the FCA
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.
It's free to set up your Wise Business account.
It's free to get international bank details and free to receive money using your bank details.
There's a cheap, transparent fee to convert between currencies — either in your account or if you spend on your Wise Business Mastercard® in a currency you don't have in your account.
When you convert money in your account it's always with the real exchange rate, and you always see our low, transparent fee up front so there's never any surprises. And if you spend on your Business Mastercard in a currency you don't have, it autoconverts the balance with the lowest fee, so you never have to worry.
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, however it is not covered by the Financial Services Compensation Scheme (FSCS) and therefore is deposited at your own risk. You also cannot earn interest on the money in your borderless account.
Millions of customers trust Wise with their money. We move billions 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.
There's a small fixed fee to withdraw funds from your Wise Business account to another account in the same currency.
This is the lowest we can charge to cover costs, and we're committed to getting the fee down over time.
We use the real exchange rate plus a small conversion fee when you convert a balance in your account to a different currency.
A full list of our currencies and pricing is available here →
No. Your client can send you money just like they would for anyone else. It goes right into your Wise Business account just like a normal bank account.
Business without borders.
Open a free account in minutes.