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Wise Business

Everything you need for your money at home and abroad, with zero monthly fees.

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Save on fees abroad. Get standout returns at home. Our current account does both.

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The fast, cheap way to send money abroad.

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The international account for sending, spending and converting money like a local.

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Where banks, financial institutions and enterprises can plug into our network.

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Wise offers different features depending on where you live.

If you have a complaint, <a class="footer-link" rel="noopener noreferrer" href="https://wise.com/help" target="_blank">get in touch with us</a> — we'll try and fix the problem. But if you're still not happy, talk to our Ombudsman Service. You can call them on <a class="footer-link" href="tel:08008782802">0800 878 2802</a> or email them at <a class="footer-link" href="mailto:ouvidoria@wise.com">ouvidoria@wise.com</a> — be sure to have your protocol number ready.

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© Wise Payments Limited {year}

© Wise Australia Pty Ltd {year}

© Wise Payments Canada Inc. {year}

© Wise Europe SA {year}

© Wise Payments New Zealand Ltd {year}

© Wise US Inc {year}

Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference <a class="footer-link" href="https://register.fca.org.uk/s/firm?id=001b000001EjC6SAAV" target="_blank" rel="noopener noreferrer">900507</a>, for the issuing of electronic money.

Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money. All investment services are provided by the respective Wise Assets entity in your location.

Non-cash payment and foreign currency exchange services are provided by Wise Australia Pty Ltd ACN 616 463 855. Wise Australia Pty Ltd holds an Australian Financial Services licence (AFSL) number 513764 and is a Purchased Payment Facility (PPF) provider authorised by the Australian Prudential Regulation Authority (APRA). © Wise Australia Investments Pty Ltd {year} Assets service is provided by Wise Australia Investments Pty Ltd ACN 659 961 083. Wise Australia Investments Pty Ltd holds an Australian Financial Services licence (AFSL) number 545411.

Wise Payments Canada Inc is registered as a money service business with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) under registration number M15193392. Wise has an MSB licence with Revenu Québec under business number 1171229694.

This website is jointly operated by Wise Europe SA and Wise Assets Europe AS. Wise Europe SA is responsible for any content related to payment services. Wise Assets Europe AS is responsible for any content related to investment services, including marketing. Wise Europe SA is a company incorporated in Belgium with registered number 0713629988. Our registered office is at Rue du Trône 100, 3rd floor, 1050 Brussels, Belgium. Wise is a payment institution authorised in Belgium. All investment services are provided by Wise Assets Europe AS, incorporated in Estonia under registration number 16267372. Wise Assets Europe AS is authorised and regulated as an investment firm by the <a target="_blank" rel="noopener noreferrer" href="https://www.fi.ee/en/investment-market/investment-firms-0/investment-market/licenced-investment-firms-estonia/wise-assets-europe">Estonian Financial Supervision and Resolution Authority</a> under licence number 4.1-1/174. The registered address is Kopli tn 68a, Põhja-Tallinna linnaosa, Tallinn, Estonia.

Wise Europe SA has established a branch in Spain, Sucursal en España ("Wise España"), registered with the Bank of Spain under number 6946, with its address at Paseo de la Castellana, 43, C.P. 28046, Madrid, Spain. For customers located in Spain, all payment services are provided by Wise España.

Wise Payments Hong Kong Limited is licensed in Hong Kong as a Money Service Operator by the Customs and Excise Department, licence number: 25-03-03263.

This website is jointly operated by Wise Europe SA and Wise Assets Europe AS. Wise Europe SA is responsible for any content related to payment services. Wise Assets Europe AS is responsible for any content related to investment services, including marketing. Wise Europe SA is a company incorporated in Belgium with registered number 0713629988. Our registered office is at Rue du Trône 100, 3rd floor, 1050 Brussels, Belgium. Wise is a payment institution authorised in Belgium. Wise Europe SA, trading as Wise, is authorised by the National Bank of Belgium in Belgium and is regulated by the Central Bank of Ireland for consumer protection rules. All investment services are provided by Wise Assets Europe AS, incorporated in Estonia under registration number 16267372. Wise Assets Europe AS is authorised and regulated as an investment firm by the <a target="_blank" rel="noopener noreferrer" href="https://www.fi.ee/en/investment-market/investment-firms-0/investment-market/licenced-investment-firms-estonia/wise-assets-europe">Estonian Financial Supervision and Resolution Authority</a> under licence number 4.1-1/174. The registered address is Kopli tn 68a, Põhja-Tallinna linnaosa, Tallinn, Estonia. Wise Assets Europe AS, trading as Wise Assets, is authorised by the Estonian Financial Supervision and Resolution Authority in Estonia and is regulated by the Central Bank of Ireland for consumer protection rules.

Vaho Forex Private Limited ("Vaho") is an Authorised Dealer Category-II (AD-II) authorised by the Reserve Bank of India (RBI). Registered office: Shop No. 3, 4/55 W.E.A. Saraswati Marg, Karol Bagh, New Delhi - 110005. Online outward remittances under the Liberalised Remittance Scheme (LRS) are facilitated by Vaho, which is responsible for applicable LRS regulatory compliance, customer dealings and pricing. Banking infrastructure, foreign exchange settlement and payment services are provided in partnership with JPMorgan Chase Bank, N.A. (Mumbai Branch, India). Customer data is handled in accordance with applicable laws and regulations and Wise's privacy policy.

Wise Payments Limited is a registered money service business. In Japan, services are provided by Wise Payments Japan K.K., a registered Type 1 and Type 2 Funds Transfer Service Provider (<a class="footer-link" href="https://lfb.mof.go.jp/kantou/" target="_blank" rel="noopener noreferrer">Kanto Local Finance Bureau</a> Director No. 00040) and a member of the <a class="footer-link" href="https://www.s-kessai.jp/" target="_blank" rel="noopener noreferrer">Japan Payment Service Association</a>.

Wise Payments Malaysia Sdn. Bhd. (formerly known as TransferWise Malaysia Sdn. Bhd.) is a company incorporated under the laws of Malaysia with company registration number 201701025297. Wise Payments Malaysia Sdn. Bhd. is regulated under the laws of Malaysia as a remittance, money-changing and e-money issuance business. You can verify our licenses/approvals for remittance and money changing <a target="_blank" rel="noopener noreferrer" href="https://www.bnm.gov.my/documents/20124/1326831/1c_total_licensees_by_type_of_business_moneychanging_and_remittance.pdf">here</a> and for e-money issuance <a target="_blank" rel="noopener noreferrer" href="https://www.bnm.gov.my/list-of-regulatees">here</a>. Consumer advisory: Customer Due Diligence is a requirement under the Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 and Money Services Business Act 2011.

Wise Payments New Zealand Limited (NZBN: 9429052623806) is a company incorporated in New Zealand under the Companies Act 1993.

<a class="footer-link" rel="noopener noreferrer" href="https://wise.com/ph/legal/terms-of-use-english" target="_blank">Wise Pilipinas Inc.</a> is licensed by the Bangko Sentral Ng Pilipinas (BSP) as a Remittance and Transfer Company (RTC) with a Type “C” Electronic Money Issuer (EMI) / Money Changing (MC) / Foreign Exchange Dealing (FXD) registration with institution code 53-0044-00-000.

Wise is the trading name of Wise Asia-Pacific Pte Ltd, which is a company incorporated under the laws of Singapore with Unique Entity Number 201422384R. Wise Asia-Pacific Pte Ltd is regulated as a Major Payment Institution by The Monetary Authority of Singapore (MAS) license: PS20200413. You can verify this information at the MAS website <a target="_blank" href="https://eservices.mas.gov.sg/fid/institution/detail/200786-TRANSFERWISE-SINGAPORE-PTE-LTD" rel="noopener noreferrer">here</a>. Consumers are advised to read this Customer Agreement carefully. Customer support is available 24/7.

Wise is a Money Service Business ("MSB") registered with FinCen, not an FDIC-insured bank. It is authorized to operate as a MSB in <a class="footer-link" href="https://wise.com/us/legal/state-licenses" target="_blank">most states</a>. In other states, the program is sponsored by Community Federal Savings Bank, to which we’re a service provider. The Wise Multi-Currency Card Program is issued by Wise’s sponsor Bank(s)*, member(s) FDIC. pursuant to licensing by Visa® U.S.A. Inc. The Wise Multi-Currency Card is available to eligible consumers and commercial entities. Not available in all countries. Fees vary based on type of transaction. T&C apply. *Lead Bank and Community Federal Savings Bank.

Wise is the trading name of TransferWise Brasil Corretora de Câmbio Ltda. (CNPJ/ME n. 36.588.217/0001-01), an Authorised Exchange Brokerage Institution licensed and authorised to function by the Central Bank of Brazil.

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