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How much does it cost to receive large amounts into my account?

Check the latest fees for receiving money

Fees when receiving USD

Receiving US dollars, domestic or SWIFT wires, to your account details will cost you 4.14 USD per transaction. 

When you receive a wire transfer to your account details, we’ll take 4.14 USD off the amount received from the sender. For example, if you’re sent 1,000 USD, we’ll take off 4.14 USD and add 995.86 USD to your USD account.

There’s no fee to receive ACH payments, or any other kind of payment that uses your ACH routing number.

Other fees

The sender’s bank may charge fees before it reaches us, so it might be worth getting the sender to check with them.

We also charge a fee for holding large amounts of EUR in your Wise account.

Learn more about the fee for holding EUR

You can receive a large amount for free, and we'll start charging the fee after 3 days.

Learn more about receiving large amounts

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Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.