Send money online
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
Savings on this transfer, and eligible transfers for the rest of the month.
Send money online
- Low fees — fees get cheaper the more you send
- Lightning fast — money typically arrives in seconds
- Perfectly predictable — lock in an exchange rate for your international transfer
Savings on this transfer, and eligible transfers for the rest of the month.
Find out how much it costs to send money online
The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer "no fee", while hiding a markup in the exchange rate, making you pay more. At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.
 Wise |  Barclays |  Lloyds |  Halifax | |
|---|---|---|---|---|
Recipient gets (Total after fees) | 28,435.36 EUR | 28,224.65 EUR | 27,717.12 EUR | 27,615.70 EUR |
Exchange rate (1 GBPEUR) | 1.14090 | 1.12899 | 1.10868 | 1.10463 |
Exchange rate markup | 0 GBP | 261.07 GBP | 705.92 GBP | 794.81 GBP |
Transfer fee | 76.38 GBP | 0 GBP | 0 GBP | 0 GBP |
Total transfer cost | 76.38 GBP | 261.07 GBP | 705.92 GBP | 794.81 GBP |
How to send money online from the UK
Enter amount to send in GBP.
Pay in GBP with your debit card or credit card, or send the money from your online banking.
Choose your recipient.
Select who you want to send money to and which pay-out method to use.
Send GBP, receive EUR.
The recipient gets money in EUR directly from Wise’s local bank account.
How we keep your money safe
Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.
- Rock-solid technologySuper smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
- People who care, 24/7With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
- Your money, not oursYour money is safeguarded, and held completely separate from ours, so it’s available to you all the time.
Online money transfer fees
How much does it cost to send money online?
To send money online with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.
You can use our handy calculator to find out exactly how much will you pay for your transfer. The cost depends on where you will be sending money from and to, as well as on your chosen payment method.
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
Best ways to send money internationally with WISE
The best way to send British pound to Euro is by using money that's in your Wise account. It's cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.
Wise account
Wise account
If you have a Wise multi-currency account, you can use money in your account to fund your transfer. It’s cheap and fast — just set up your money transfer as you normally would, and choose a Wise account transfer when paying.
PISP (Payment Initiation Service Provider) payments are instructions you give Wise to make a bank transfer directly from your bank account — without having to leave our app and log in to your online banking. This option is as cheap as a manual bank transfer, but it isn’t supported by all banks yet.
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Using Swift to fund your transfer usually means that your transfer will take longer and be more expensive, as your bank will charge a fee. You should also bear in mind that other correspondent banks in between may also deduct their handling fees. Your bank should be able to advise on those fees.
How to receive money
When you transfer with Wise, you can receive to local bank accounts — no need for a Wise account. And since our price is transparent, you know exactly what you’ll get on the other side.
IBAN
IBAN
You can make easy IBAN transfers from both inside and outside Europe. All you need is the recipient’s name and account details. Learn more about IBAN transfers.
Swift
Swift
To send a quick and secure Swift payment, all you'll need is your recipient’s IBAN number. It’s that easy. Learn more about Swift payments.
Email
Email
To make payments using only email, all you need is your recipient’s email address. Learn more about Email transfers.
Cheapest way to send money abroad from the UK
The cheapest way to send 25,000 GBP to EUR is by using money that's in your Wise account and costs 77.69 GBP. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.
GBP
EUR
| Sending 25,000 GBP | Transfer cost | ||
|---|---|---|---|
| Wise account | 77.69 GBP | ||
| PISP | 77.84 GBP | ||
| Bank transfer | 77.84 GBP | ||
| Swift | 77.84 GBP | ||
Fastest way to send money abroad from the UK
Sending money with Wise is super fast: 74% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.
GBP
EUR
| Sending 25,000 GBP | Should arrive | ||
|---|---|---|---|
| Wise account | in seconds | ||
| PISP | in seconds | ||
| Bank transfer | by Monday | ||
| Swift | by Tuesday, 3 March | ||
Send money online with the Wise app
Looking for an app to send money online? Sending money is easy with Wise app.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
Send money online with the Wise app
Looking for an app to send money online? Sending money is easy with Wise app.
Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.
4.3 / 5 on Trustpilot from 280,561 reviews
Do more with Wise in the UK
You can use Wise for much more than just sending money. Here is what's available, based on where you live.
Receive money fast
Get paid easily in other currencies with global account details.
Save on spending abroad
Pay and withdraw cash worldwide without any foreign transaction fees.
- 3.26%On GBP
Earn returns
Earn returns every working day, and spend them instantly. Capital at risk, growth not guaranteed.1
Let's answer some of your questions
See where Wise works
- Send money
- Account details
- Hold and convert money
- Investments can fluctuate, and your capital is at risk. The Variable rate is based on the performance of the Fund over a 7-day period ending on 11/02/2026. The Fund has achieved an average annual return of 3.03% over a 5-year rolling period exclusive of fees. Interest is offered by Wise Assets UK Ltd, a subsidiary of Wise Payments Ltd. Wise Assets UK Ltd is authorised and regulated by the Financial Conduct Authority with registration number 839689. When facilitating access to Wise investment products, Wise Payments Ltd acts as an Introducer Appointed Representative of Wise Assets UK Ltd. Please be aware that we do not offer investment advice, and you may be liable for taxes on any earnings. If you're uncertain, we urge you to seek professional advice. To find out more about the Funds, visit our website.