With Wise, you can receive money in multiple different currencies to your unique account details.
You can receive money:
Locally — receive the currency you want from the country that uses that currency. For example, receiving GBP from relatives in the UK if you live in the US.
Globally — also known as Swift, receive the currency you want from almost any country in the world. For example, receiving USD from relatives in Australia while you're living in the US
Learn how to open account details to receive money
Receiving locally
Local account details allow you to receive money by bank transfer in the country, or countries, that use that currency.
For example, let's say you’ve moved from the UK to the US, and you’d like to receive money in British pounds from your family living in the UK. We’ll provide GBP account details that your family can send money to — this means no conversion or international fees. Similarly, you can receive GBP from your relatives in the UK even if you live in the UK.
When receiving EUR, we give you one set of account details for the entire SEPA zone.
Receiving globally
Global, also known as Swift or international payments, are a way for someone to send money in a currency from almost any country in the world — even if that country doesn’t use that currency. When someone sends you a global payment, it comes through the Swift network.
Learn where you can receive Swift payments from
For example, you’ve moved from the UK to Canada and you'd like to receive Canadian dollars from your family abroad. We'll provide global Swift account details Swift that your family an send money to from almost anywhere in the world — not just those with a bank account in Canada.
We currently offer global account details in 20+ currencies. Always check if there are account details that can support the currency you want to receive.
How do I receive money with my local account details?
After you've opened account details for a currency you want, just go on that currency, select the account details under it, and share those details to your sender. Check the individual Using your account details currency pages for more info.
How do I receive money with my global account details?
Decide which currency you'd like to receive, then find the global account details for that currency in your account.
You'll need to give your sender the account details shown under the Global-Swift account details tab of that currency:
How long do global payments take?
They usually take up to 5 working days, but the time can vary.
What fees do I have to pay?
You can receive money from bank accounts across the world for a lower fee than what most banks charge.
Check our pricing page for the latest fees in your region — just make sure to switch to the region you're in.
Correspondent banks that help send this money can sometimes deduct their own fees from the sender's amount — Wise can't change this. You can ask your sender to opt for the OUR charges. This option allows the sender to cover all the correspondent charges.
What if my sender needs more details?
Your sender might ask you for some other information, like an institution number, transit number, routing number, or other details.
In some currencies, our partner bank doesn’t use these for global Swift payments, but you can still ask your sender to:
pay through a different bank that doesn’t need these details
check if their bank can process the payment with only the Swift/BIC code and account number we provide