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The current account for expats and relocators

Less paperwork, more savings. Everything you need to move and live abroad, and stay connected to your life back home.1

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Wise app interface showing a balance of £2,862.22

The account that moves with you

Career movers

Relocate your finances, earn your new salary and spend it

International students

Set up your everyday money, pay fees and save the stress

Retirees

Buy property abroad, get your pension and make memories

Everything you need from Day One

Get payments from different countries in a click

IBANs, routing numbers, sort codes and more get you paid fast, without losing on the conversion.

Spend in your new home currency instantly

Set up your digital card and convert money at our best rate to cover transport, groceries and bills.

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Send fast, low-cost transfers to 160+ countries

Support family and friends and maintain your life back home. The more you send, the more you save.

Completely convenient

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Manage subscriptions, direct debits and bills in multiple countries, effortlessly
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GBP

3.29%

EUR

2.25%

USD

3.61%

Earn a return with turning on Wise Assets. Capital at risk, growth not guaranteed.2

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Get your friends and family on Wise for our fastest, cheapest transfers

Take your finances with you

Unlike banks, a Wise current account is global by default. And it’s up to 70% cheaper internationally.3

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100% transparent, with no hidden fees
A fully digital set up and one clever app
Always get our best rates with auto conversions

Where’s next?

Use our cost of living index to see, share, and compare information on the cost of living worldwide.

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FAQ

Yes, you can set up your Wise account before you move. A Wise debit card works in 160+ countries, and you can get country-specific account details like IBANs, sort codes or routing numbers so you can receive money in your new home currency ahead of time. When you move, you will have to tell us your new address.

You can hold and convert 40+ currencies in your account.

A Wise account is free to open and we don’t charge a subscription. You only pay when you convert money, e.g. if you spend in a currency you don’t have in your account. For a full breakdown of our prices, visit wise.com/pricing.

LOVED WORLDWIDE

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For travellers

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For frequent senders

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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.