With Wise, you can get account details that you can share with others to receive payments. 

Once you get account details, you can share them with the person or business that wants to pay you and they can send you money directly from their bank.

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How your account details work

How do I open account details?

If you live in  a country where you’re eligible to hold money in your account , you can get account details by selecting one of the eligible currencies from the home screen and selecting Get account details. 

We’ll guide you through the setup process — there may be requirements if it’s your first time. 

Learn more about getting account details

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What currencies and types of payments can I receive?

You can get account details in over 10 different currencies including USD , EUR , and GBP . 

Learn what currencies and payment types you can receive

• With GBP account details , you can receive international Swift payments from outside the UK in 23 different currencies.  Learn more about receiving to your GBP account details  

• With EUR account details , you can receive international Swift payments from outside the SEPA region in 5 different currencies.  Learn more about receiving with your EUR account details

Wise doesn’t accept cash or cheque payments. We can receive from some Cryptocurrency platforms, but not from all.

Learn more about receiving from Cryptocurrency platforms

Customers in the UK, Australia, Israel, Canada, the Philippines and Singapore can hold account details across their Main Account, Jars, and Business Groups, with limits based on the payment method and currency:

• Up to 10 sets of account details per currency available for local receiving locally in AUD, EUR, GBP, HUF , CAD and SGD (via FAST).

• Up to 10 sets of account details per currency available for receiving Swift payments in CHF, CZK, CNY, ZAR, UGX, AED, ILS, DKK, JPY, NOK, SEK , and PLN .

• Up to 5 sets of account details available specifically for business accounts receiving SGD locally via GIRO.

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What happens after I receive the money? 

Your payment will be added directly into the relevant currency in your Wise account — you'll see it under Transactions.

Once the money is in your account, you can convert it to any available currency , hold it on your Wise account, or send it to an external bank account . 

Fees and limits 

Most currencies have no receiving fees for domestic payments, with the exception of USD domestic wires. There is a fee to receive international (Swift) payments in most currencies.

And most currencies have no receiving limits with the exception of USD and SGD. Read more on fees and limits here

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Checking and sharing your account details

How do I check my account details?

Once you've opened your account details, on app or web:

1. From Home, select one of your currencies

2. Select the account details button just under the currency

3. You can view and copy your account details to share with others. 

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What details should I provide for domestic payments?

Domestic account details are available for many currencies. These allow you to get paid like a local, wherever you are. For example, someone can pay you USD as if you’re located in the US — even if you’re actually somewhere else.

Domestic payments are usually the cheapest and fastest way to receive money with your account details.

When receiving a domestic payment, you'll typically need to provide the sender with these details:

• Account Number : Your account’s unique identifier within the bank.

• IBAN (International Bank Account Number) : Used in many countries, it includes your country code, bank code, and account number.

• Routing Number - can be for ACH and Wire payments (for U.S.): A 9-digit code identifying your bank.

• Sort Code (for the UK): A 6-digit code identifying your bank and branch.

• BSB Code (for Australia): A 6-digit number used to identify the individual branch of an Australian financial institution.

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What details should I provide for international payments?

For international payments, provide the sender with:

• Swift/BIC : A unique code to identify your bank globally.

• IBAN (International Bank Account Number) : Used in many countries, it includes your country code, bank code, and account number.

• Name : Name as it appears on your account.

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Are there other ways to receive money to my Wise account?

You can also receive payments in other ways such as through your email address or phone number, your Wise card details, or by sending a request.  Learn more about these other ways to receive here

Note , the name for your 'main account' in Wise can vary based on your location. To find the exact terminology used in your region, please check the product directly.

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You can use money in your account to make payments, convert money between currencies, or spend money with your Wise card. 

There are a few different ways that you can add money to your account. The methods on this page are for adding money to your main account within Wise, and not for adding money to jars or groups.

How do I add money in the Wise app?

This is also known as a top-up. You're topping up your account by adding money within the Wise app.

To add money: 

1. From Home , select Add Money, or select the specific currency you want to top up, then select Add.

2. Enter the amount and currency that you want to add.

3. Choose your preferred payment method and select Continue to payment.

4. Follow the on-screen instructions to complete the payment.

For BRL: due to Brazilian regulations, IOF tax will be charged if you add BRL when paying in another currency.

Sending from AUD, MYR, NZD and SGD: When sending money through a bank transfer make sure the name and transfer amount matches. Otherwise your transfer might get deposited to the source currency, instead of the one you wanted to add.

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How do I send myself money directly from my bank?

This is also known as a third-party payment. Another way to add money to your account is to send it directly from your bank to your Wise account details via a bank transfer (direct deposit) like a third-party payment. You don’t have to set up a Wise transfer with this method. It will be the same as someone else sending you money to your account details.

To send yourself money: 

1. You’ll first need to get account details , if you don’t have them already. 

2. Select the currency that you want to receive money in, and select the account details button to view and copy them.

3. Then, from your online banking, set up a bank transfer and add your Wise account details as the recipient. 

4. Follow the on-screen instructions from your bank to complete the payment. Contact your bank if you have any questions for this step. 

Check here for fees and limits when receiving money this way

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Once you have money in your account, you can:

• send money to recipients

• spend with your Wise card

• convert between currencies

• and eligible customers can hold money as Interest or Stocks

Learn more about what you can do with your money in your Wise account

Wise is licensed to hold your money, and as part of keeping it safe, we follow strict rules set out by the regulators in the countries where we operate. 

As of 30 June 2025, our customers are trusting us with the equivalent of 18.1 billion GBP in their Wise accounts.

If you keep money with us, our regulatory obligation is to hold all of it in cash, secure liquid assets, or insured by a comparable guarantee. 

How is this different from a bank?

We don’t lend out your money. Banks do. This is why governments require them to insure their deposits by participating in country-specific deposit insurance schemes, like the FSCS in the UK. 

Because we’re not lending your money, we handle it differently by safeguarding it. 

What is safeguarding?

Safeguarding means we look after your money by keeping it separate from our own money, and making it available to you whenever you need it. 

How we hold your money can vary by country, for example:

• Wise Payments Ltd (UK)

• Wise Europe SA (EEA)

• Wise US Inc (USA)

• Wise Payments Japan KK (Japan)

• Wise Brasil Instituição de Pagamento Ltda (Brazil)

• Wise Payments Canada Inc (Canada)

Learn which Wise group entity provides services to you

Learn more about where we’re regulated

How we keep your money available to you even during market turmoil

We make sure your money is safe and readily available to you. Most of your money is in secure liquid assets — such as EU, UK and US Government bonds, and money market funds as of 1 April 2024. 

For a government bond to fail, the government would need to default on their loan payments, which almost never happens with stable governments.

The bonds we hold are mostly short-term bonds, so we’re not materially exposed to increasing interest rates, making us more resilient. 

The average duration of the bonds we hold is under 6 months, with the majority of bonds having a remaining term of 3 months or less.

The money that we put into banks, we hold it in several reputable banks with strong liquidity.