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Banks and other providers add markups to the exchange rate to make you pay more. Not us — see for yourself.

Sending 1,000 GBP with	Recipient gets(Total after fees)
	1,190.25 EUR
Transfer fee 3.88 GBP Exchange rate(1 GBP EUR) 1.19489 Exchange rate markup 0 GBP Cost of transfer 3.88 GBP

	1,167.35 EUR- 22.90 EUR
Exchange rate(1 GBP EUR) 1.16735 Exchange rate markup 23.05 GBP

	1,152.90 EUR- 37.35 EUR
Exchange rate(1 GBP EUR) 1.15290 Exchange rate markup 35.14 GBP

	1,152.34 EUR- 37.91 EUR
Exchange rate(1 GBP EUR) 1.15234 Exchange rate markup 35.61 GBP

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This applies when you pay in via bank transfer or ACH payments. How do we collect this data?

Amount

From

	Wise	NatWest	Lloyds	Halifax
Recipient gets (Total after fees)	1,190.25 EUR	1,167.35 EUR	1,152.90 EUR	1,152.34 EUR
Exchange rate markup	0 GBP	23.05 GBP	35.14 GBP	35.61 GBP
Exchange rate (1 GBPEUR)	1.19489	1.16735	1.15290	1.15234
Transfer fee	3.88 GBP	0 GBP	0 GBP	0 GBP
Total transfer cost	3.88 GBP	23.05 GBP	35.14 GBP	35.61 GBP

This applies when you pay in via bank transfer or ACH payments. How do we collect this data?

Investments can fluctuate, and your capital is at risk. The Variable rate is based on the performance of the Fund over a 7-day period ending on 26/03/2025. The Fund has achieved an average annual return of 1.31% over a 5-year rolling period exclusive of fees. Interest is offered by Wise Assets UK Ltd, a subsidiary of Wise Payments Ltd. Wise Assets UK Ltd is authorised and regulated by the Financial Conduct Authority with registration number 839689. When facilitating access to Wise investment products, Wise Payments Ltd acts as an Introducer Appointed Representative of Wise Assets UK Ltd. Please be aware that we do not offer investment advice, and you may be liable for taxes on any earnings. If you're uncertain, we urge you to seek professional advice. To find out more about the Funds, visit our website.