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The current account for Everyday spenders

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

A person making a purchase using their Wise digital card through Apple Pay

Make every day easier

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

All the essentials

Get paid, from anywhere

Earn your salary at home, or receive payments from abroad with IBANs, routing numbers and more.

Manage your bills effortlessly

Set up Direct Debits and we'll remind you if your balance gets low so you never miss a payment.

A person using a phone to scan a bill with a UI overlay showing an electricity bill direct debit

Earn returns every day

When you turn on Wise Assets is on, you can keep spending your money like normal.Capital at risk, growth not guaranteed. 2

3.29%

0%

Traditional banks

Ready for any payment

Add digital cards to your wallet to use online or in person, and get a physical card to take out cash.

Wise digital cards in a flow composition

Send money in the same currency for free

Transfers arrive in seconds, and if you send from your Wise account it's completely free.

A phone screen showing a Wise account sending 45 GBP to another Wise account. There is no fee and the money will be sent immediately

Completely convenient

A breakdown of expenditures showing General at 57%, Bills at 31%, and Transport at 12% with corresponding progress bars and icons.
Track all your spending in the app
Two friends looking at a phone outdoors with a UI overlay of a payment link being shared

Split any payment with family and friends

Three Wise jars organised for travel, rainy day and savings
Stash your cash and organise it in Jars

Deliberately different to banks

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

Pointing arrow in a green circle and United States, Europe, United Kingdom and India flags
Pay without any hidden foreign transaction fees
Open an account for free, with no subscriptions
Always get our best rates with auto conversions

FAQ

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.

LOVED WORLDWIDE

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.