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Wise multi-currency account pricing.

Everything you need to know about our account, card, receive, and send pricing. Say bye bye to bank fees for good.
Wise multi-currency account pricing

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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.

Account pricing
Create your accountFree
Get a UK account number and sort codeFree
Get a U.S. account and routing numberFree
Get a European IBANFree
Get an Australian account and BSB numberFree
Get a New Zealand account numberFree
Get a Hungarian account numberFree
Get a Romanian account numberFree
Get a Singaporean account numberFree
Hold 50+ currency balancesFree

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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.

Card pricing
Order a Wise debit card

1,200 JPY

Replacement card

640 JPY

Spend in currencies in your accountFree
Convert a currency using your card


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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.

Account pricing
Receive money in EUR, GBP, AUD, NZD, RON, HUF & SGDFree
Receive USD using ACH or bank debitFree
Receive USD wire transfers

7.50 USD

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Sending money

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.

Account pricing
Convert currencies


Fixed fee to send money (varies by currency)


GBP Direct DebitFree
EUR Direct DebitFree
AUD Direct DebitFree

Calculate any fee.

For total transparency, we built a calculator so you can check the fee for any currency, and any amount.

Calculate with any currency

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.

Wise financial regulation

For expats like me this is a total game-changer.

Sophie, British living in Sydney

Get started
Bye bye bank fees, hello world.

Bye bye bank fees, hello world.

Open multi-currency account