Available for you in
Send money up to 7x cheaper than banks.
We’re on average 7x cheaper than banks, and we use the real exchange rate.
Spend abroad without the hidden fees.
We haven’t reached Hong Kong with our debit card feature yet.
Receive payments with account details.
We haven’t reached Hong Kong with our account details feature yet.
Convert and hold multiple currencies.
We haven’t reached Hong Kong with our currency balances feature yet.
Moving and living abroad just got simpler
Receive your salary, pension, and more. Spend in local currency with your card. Move your money between countries with ease. It’s the better way to send money home.
Receive your salary, pension, and more.
Spend in local currency with your card.
Move your money between countries.
Shopping through overseas online stores
Pay at the real exchange rate. Avoid sneaky bank exchange rate markups and high foreign transaction fees. Pay only a low upfront conversion fee, and no annual card fee.
Pay at the real exchange rate.
Always pay in the local currency.
Pay online securely with instant notifications.
Take the stress out of managing property
Save when you buy property abroad. Pay your bills remotely. Receive payments from tenants.
Save when you buy property abroad.
Pay your bills remotely.
Receive payments from tenants.
Get set up and start spending with your card in minutes.
Sign up online, or in our app. Verify your identity with a government ID and top up your account. Then you’re all set.
Global support in a range of languages
We don’t do complicated, automated systems. We have offices around the world, and we’re here to help you whenever you need it.
Protecting you and your money
Every month, our customers trust us to move over $7 billion of their money. Here are some of the important ways we protect them.
Send money to 80 countries
You can use money in your multi-currency account to send to any of the currencies on Wise.
Costa Rican colón
Hong Kong dollar
South Korean won
Sri Lankan rupee
New Zealand dollar
West African franc
South African rand
Let's answer some of your questions
What is a multi-currency account and how does it work?
You can hold, receive, send, and spend money using a Wise multi-currency account.
You can hold more than 50 currencies, and convert between them at the real exchange rate whenever you need.
You can get account details for some currencies to receive money from around the world.
You can send money from your account to a bank account whenever you like — we'll charge a fixed fee when you do this, and a conversion fee when you send to a different currency.
And, you can spend the currencies in your account around the world with the Wise debit card. Find out if the Wise card is available in your country.
How is the Wise account different from a bank account?
Your Wise account is an electronic money account. It’s different from a bank account because:
- Your money is safeguarded and not covered by the Financial Services Compensation Scheme (FSCS) or another protection scheme that you would get with a bank account.
- You can’t get an overdraft or loan.
- You won’t earn interest.
Can I hold multiple currencies in a Wise account?
You can add money to your account in 19+ currencies and hold 50+ currencies.
You can convert money between any of the currencies in your account — always with the real exchange rate. We’ll charge a low conversion fee to do this.
What is a multi-currency card?
The Wise debit card lets you spend money around the world with low conversion fees and zero transaction fees. It’s currently available for multi-currency account-holder residents in the UK, US, Australia, New Zealand, Singapore, Japan, Switzerland and EEA.
What happened to the borderless account?
The Wise multi-currency account is the same account you know and love. The only change is in the name — we used to call it the borderless account.