TransferWise is now Wise.

Read more.
Skip to main content

Open an international business account in minutes.

A business account to send, spend, and receive multiple currencies with the real exchange rate. Do business without borders.
Wise Business - customers and balances shown on screen

Pay invoices and people abroad

Receive money with low fees

Seamlessly integrate with Xero

Spend with a free debit card

International payments, 19x cheaper.

Pay invoices, buy inventory, and handle payroll with the real exchange rate in over 50 currencies — for way cheaper than PayPal.

Send money directly from your own debit card or bank, or make payments from your business account balance. Your recipient doesn't need a Wise account to receive their money.

Send money today →

Receive money with zero or low fees.

Get your own UK, Eurozone, Australian, New Zealand, and US bank details for a small, one-time setup fee — without a local address. Use them to get paid or withdraw money from platforms like Amazon.

Hold that money in your account for future payments or move it to your bank.

Get started →

Receive money with zero or low fees.

Spend anywhere with no hidden fees.

Use your Wise Business Mastercard® to pay business expenses and spend online or in-store all over the world.

If you don’t have the currency in your account, we’ll automatically convert the amount for you.

Get my account and card today →

Spend anywhere with no hidden fees.

The features your business loves.

Xero integration
Connect with Xero and your favourite accounting tools.
Connect now →
Batch payments
Make multiple payments in one go with ease.
Learn more →
Open API
Automate payments and workflows with our API.
Explore our docs →
Monthly statements
Download statements for every balance you hold.
Get started today →

The real exchange rate, always.

There’s a small fee to convert currencies in your account and no hidden fees in the rate we offer you.

Account pricing
Create your accountFree
Fixed fee to send money (varies by currency)

€0.63

Hold 50+ currency balancesFree
Get bank details to receive currencies

€23

Receive money in EUR, GBP, AUD, NZD, RON, HUF & SGD

Free for some currencies

Add money to your account

See price checker

Convert currencies

See price checker

Always check your account for the latest pricing update.

By the people who made Skype

Richard Branson is a key investor

6 million customers globally

Authorised by the FCA

A powerful open API.

Businesses big and small can access our open API to automate payments, connect business tools, and create beautiful ways to manage finances.

Explore our docs →

A powerful open API.

Coverage around the world.

You can send money to 70+ countries, and receive and hold 50+ currencies.

You can also get your own Eurozone, US, Australia, New Zealand, and UK bank details to get paid like a local.

See what currencies we cover →

Coverage around the world.

FAQs

It's free to set up your Wise Business account.

There's a cheap, transparent fee to convert between currencies — either in your account or if you spend on your Wise Business Mastercard® in a currency you don't have in your account.

If you want to get international bank details, there's a one-time €23 fee (or equivalent).

When you convert money in your account it's always with the real exchange rate, and you always see our low, transparent fee up front so there's never any surprises. And if you spend on your Business Mastercard in a currency you don't have, it autoconverts the balance with the lowest fee, so you never have to worry.

Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the UK.

This means we're required by law to keep your money safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo.

These accounts are reserved for customer money, this means your money is kept in a separate account from the money we use to run the business.

In the unlikely event Wise ceased to exist, your money would be paid back from this account, ie from Barclays or Wells Fargo, however it is not covered by the Financial Services Compensation Scheme (FSCS) and therefore is deposited at your own risk. You also cannot earn interest on the money in your borderless account.

Millions of customers trust Wise with their money. We move billions of pounds every month, and we take the safety and security of your money seriously.

The Wise debit Mastercard is issued by TransferWise Ltd under license by Mastercard International Inc. Mastercard is a registered trademark, and the circles design on the card is a trademark of Mastercard International Incorporated. Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.

There's a small fixed fee of 50p / €0.60 to withdraw funds from your Wise Business account to another account in the same currency.

This is the lowest we can charge to cover costs, and we're committed to getting the fee down over time.

Learn more about our pricing →

We use the real exchange rate plus a small conversion fee when you convert a balance in your account to a different currency.

A full list of our currencies and pricing is available here →

No. When you send money with Wise Business it goes directly into your recipient's bank account.

Business without borders.

Business without borders.

Open a free business account online in minutes.

Create your account