Send money around the world for less. Low, crystal-clear fees and discounts when you send more.
For residents in Georgia
Sending large amounts is cheaper for us. So, it should be cheaper for you, too. That’s why you get a discount when you send over 25,000 USD (or equivalent).
When you use banks and other providers, they’ll charge you more by hiding extra fees in the exchange rate and say their transfers are “free”. We only use the live mid-market rate, and a small, upfront fee to cover our costs. You’ll always know what you’re paying for — and what your recipient will get.
Yes, there are limits for how much you can send with us. They depend on which currencies you send to and from, and how you pay. You can check the limits for each currency in the Currencies articles. We’ll also let you know if you try to send too much at one time.
To see exactly how much your transfer could cost, visit our pricing page . Or read on for a bit more detail on how we work the price of your transfer out.
How much a transfer costs depends on three things — the amount you’re sending, how you pay, and the exchange rate.
The more money you send, the more your transfer costs. That’s because the Wise fee is worked out as a percentage of the amount you’re sending. The percentage varies from currency to currency, and you can check it on our pricing page. The exception to this is if you’re sending a small amount of money, in which case there’s a cheap, minimum fee.
There are different ways to pay depending on the country you’re sending from. You’ll see how much each payment method or type of transfer costs when you set up your transfer. Sending same-currency transfers between Wise accounts is free.
You always get the mid-market rate — it’s the one banks use to trade between themselves. Because we never mark this rate up, your recipient typically gets more money at the other end.
The mid-market exchange rate is always moving. So for some of our currencies, you can lock in the rate you see when you set your transfer up — and you’re guaranteed to get it, as long as we receive the total amount in the stated timeframe.
It can be stressful sending large amounts abroad. So we do a lot to make sure you, your money, and your data are always safe and protected.
Wise is regulated by local regulators in every country we're in. We operate according to the rules they’ve made to protect consumers in each region.
Learn more about how and where we’re regulated
When you use Wise, we safeguard your money by holding it in dedicated bank accounts or high quality liquid assets.
The money in your account is covered by assets that are worth the same value. We hold the assets in separate accounts with these financial institutions.
You can protect your account with 2-step verification. Every time you log in, and every time you make a transfer, we’ll ask you to verify that it’s you by text message, fingerprint, or face recognition. This way no one else can access your account or make payments on your behalf.
Learn how to set up your 2-step verification
Our fraud team makes sure our customers, and their money and data, are protected from fraud.
We also have a support team dedicated to helping people who send large amounts with us. If you have any questions or concerns along the way, just get in touch .