Fee credit is a discount on your transfer fees. It works like a gift card — you can use it across one or multiple transfers until the credit balance runs out.
What fee credit applies to
Fee credit automatically applies when you’re paying fees for:
Regular send money transfers
Cross-currency top-ups (adding money to your account in a different currency)
Withdrawals from Wise currencies
Fee credit doesn't apply when you:
Add money to your account in the same currency
Spend with your Wise card
Make batch transfers
How fee credit is applied
If you have a fee credit, it will automatically apply to your next eligible transaction.
Example: If you have a 10 GBP fee credit and make a transfer with a 5 GBP fee, your fee credit covers the full 5 GBP. You will have 5 GBP in fee credit remaining for future transfers. If your transfer fee is 12 GBP, your 10 GBP credit is used completely, and you only pay the remaining 2 GBP.
If you have a free transfer and fee credit at the same time, we’ll use the free transfer first.