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Compare exchange rates

Get more for your money with Wise

Unlike most banks, Wise uses the real exchange rate for sending money — just like the one used by Google or Reuters. Combine that with a low, upfront fee, and you get international transfers that are cheap, fair and transparent.

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How sending money with Wise works

Enter an amount and tell us where it’s going

Tell us who you’re sending to, and what currency they need. If you’re sending a lot of money, we might need to run a few identity checks.

Pay in by card or make a local bank transfer

Pay into Wise’s bank account in the country you’re sending from. You’ll see the fees upfront, and we’ll convert your money at the mid-market rate.

Your recipient gets paid into their bank account

Next, Wise’s account in your recipient’s country pays the money straight into their account. Your money never crosses borders.

How to spot unfair money transfers

There’s only one fair exchange rate

Banks and other providers often set their own, unfriendly exchange rates. It means that you pay more than you need to, and they pocket the difference.

We do it differently. We always give you the real, mid-market exchange rate — like you’d find on Google or Reuters.

There’s no such thing as a free transfer

Lots of providers offer transfers that are ‘free’ or ‘0% commission’. Truth is, ‘free’ international money transfers don’t exist. Because every time you send money, you pay something. In lots of cases, you lose money on that unfriendly exchange rate — even if there are no fees advertised upfront.

Check the fees and the exchange rate

How much a transfer really costs is made up of two things — the fees, and the exchange rate. So make sure you check both. To see whether you’re getting a good deal, look at how much of your money arrives on the other side.

The Wise secret

Mathu from India

I live abroad & also have my connection back to India by sending money to my family.

Frequently asked questions

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Send money with the real exchange rate