Wise fees: Only pay for what you use

For residents in

Transfer money between banks, or from your account.

Get a new card, spend abroad, and get cash out from ATMs.

Get paid into or add money to your account.

Keep 50+ currencies in your account.

Fair prices, no hidden fees

No subscriptions, no monthly fees. You’ll always see the fee upfront, and only pay for what you use.

Registering with Wise
Opening an account	Free
Sending money
Sending money Fee varies by currency	From 0.41%
Spending with your card
Withdrawing 30,000 JPY per month 2 or less withdrawals	Free
ATM fees over 30,000 JPY per month + 70.00 JPY per withdrawal	1.75%
Getting the Wise debit card No subscription fees	1200 JPY
Converting money Fee varies by currency	From 0.41%
Holding money in your account
Hold 50+ currencies	Free
Hold more than 3,000 EUR Charged monthly, accrues daily (starting the third day after your balance exceeds the limit)	0.07%
Receiving money
Getting account details in 10 currencies Details for AUD, CAD, EUR, GBP, HUF, NZD, RON, SGD, TRY and USD	Free
Receiving money Receive AUD, CAD, EUR, GBP, HUF, NZD, RON, SGD, TRY and USD (non-wire)	Free
Receiving USD wire payments Fixed fee per payment	4.14 USD

We charge as little as possible, and we’re on a mission to drop prices until we’re eventually free.

We’re honest and upfront about what things cost, we use the mid-market rate, and never hide fees.

You pay for what you use. No more. No less. We believe no one should pay the cost of someone else’s ‘free’.