Finance essentials, day-to-day money management and quick transfers that work at home and abroad. 1

Spend every day
Keep on top of groceries, travel and general spending
Bills and subscriptions
Manage your budgets and stay in control of regular bills
Spending with friends
Easily share payments with the people around you



Unlike banks, your Wise account works the same abroad as it does at home. And it’s up to 70% cheaper internationally.3

A Wise account is free to open and we don’t charge a subscription. You only pay when you convert money. If you have EUR in your account and spend in EUR, we won’t charge a conversion fee. If you have GBP in your account and spend EUR, we charge a fee. See a full breakdown of our prices here.
Using your card anywhere free, and if you don’t convert money we don’t charge a fee. If you take out cash, the first £200 is free every month and after that we charge a fee. See our prices here.
1 Your Wise Current Account is an e-money account, which means that funds are not protected under the Financial Services Compensation Scheme (FSCS). Instead, we safeguard your funds in line with our regulatory obligations. Learn more.
2 If you choose to opt in to Wise Assets, 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 02/01/2026. 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. Learn more.
3 Savings based on comparisons with select competitors in July 2025. Learn more.