Setting up your account
It’s free to create a Wise account, and there are never any monthly fees or minimum balances to worry about.
For businesses, it costs a small one-time setup fee of 3,000 JPY to get your own international bank details, which you can use to receive money for free.
|Create your account||Free|
|Get a UK account number and sort code||Free|
|Get a U.S. account and routing number||Free|
|Get a European IBAN||Free|
|Get an Australian account and BSB number||Free|
|Get a New Zealand account number||Free|
|Get a Hungarian account number||Free|
|Get a Romanian account number||Free|
|Get a Singaporean account number||Free|
|Hold 50+ currency balances||Free|
Using your debit card
With your own Wise debit card, you can spend in the local currency — wherever you are. It's accepted anywhere that takes Mastercard.
You can spend on your Wise debit card in any currency, and our smart tech will auto-convert it with the lowest possible fee. You'll always get the real exchange rate.
You get two free overseas ATM withdrawals up to ¥30,000 each month. We charge a 1.75% fee on withdrawals over ¥30,000 + ¥70 per transaction after the first two withdrawals.
|Order a Wise debit card|
|Spend in currencies in your account||Free|
|Convert a currency using your card|
Adding and receiving money
Get paid with your own bank details. Anyone can use them to pay you like a local. You can hold more than 50 currencies at once, and convert between them in seconds.
|Receive money in EUR, GBP, AUD, NZD, RON, HUF & SGD||Free|
|Receive USD using ACH or bank debit||Free|
|Receive USD wire transfers|
We never, ever inflate the exchange rate.
With the Wise account, you'll always get the real exchange rate. You only pay a small fee to convert currencies in your account.
Calculate any fee.
For total transparency, we built a calculator so you can check the fee for any currency, and any amount.
Wise financial regulation
We’re regulated by the Kanto Local Finance Bureau in Japan and numerous authorities around the world. They hold us to the same standards as your bank.
All money in your Wise multi-currency account is stored and safeguarded securely in our bank accounts in New Zealand, Australia, the UK or USA depending on the country of residence in your profile.