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Not your average current account

Send, spend and manage your money across 150+ countries and earn a game-changing return. Can your bank say the same?
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The current account that pays up

Unlike banks, Wise is built to save you money internationally and earn standout returns at home.1 It’s good for your money.

Earn 3.29% variable rate

When Wise Assets is on, your money’s invested in a super low-risk fund. Keep spending it every day, just like with other current accounts.1

Bar chart showing steady interest growth from April to August.

Instant international transfers

77% of transfers arrive in under 20 seconds, 95% in a day. That’s fast.1

Get paid around the world

Your bank does GBP. A Wise current account gets you paid fast and free from anywhere with local IBANs, routing numbers and more.

One card, every country

Never leave home without it. Welcomed at 2 million ATMs worldwide and good for spending in 150+ countries.

Two overlapping green Wise debit cards.

Every bill, one account

Set up Direct Debits and repeat payments for rent and utilities, no matter what country they're in.

A person in a kitchen holding a phone while managing bills.

Simply convenient

Friends looking at a phone together and smiling
Spend with pals from one pot
Four people sharing a Wise account pot
Split tabs and tables instantly
A woman scanning a QR code to pay a bill
Take pics, pay bills

No plans, all premium

Unlike banks, a Wise current account is global by default. And it's up to 70% cheaper internationally.1
See our pricing

No fee to sign up

Your account is free to open, and we don't charge a subscription

Use 40 currencies for free

No conversion? No fee. And no foreign transaction costs either

Real mid-market exchange rate

Unlike others, we never add anything to the exchange rate1

Built-in security

Safety checks on every transaction
24/7 fraud monitoring
Eligible for protection up to £85,000 under FSCS (Financial Services Compensation Scheme) with Wise Assets
See how we're secure

Questions answered

A Wise current account is free to open, and there are no ongoing subscriptions. We charge fees when you send, spend or receive money if there's a conversion, to get a Wise card, or turn on Wise Assets. You'll always see our prices clearly.

For a full rundown of our fees, visit pricing.

Where you can use Wise depends on where you live. You can use Wise in most countries around the world if you open a current account in the UK.

See restricted countries to send money.

See restricted countries for the Wise card.

A Wise current account supports over 40 currencies. You can hold, convert, spend and send these currencies, and receive payments from anyone else on Wise too.

You can receive money in 51 currencies from anyone else on Wise. You can receive money from others not on Wise in 23 currencies.

See our full list.

Wise Payments Limited is authorised as an Electronic Money Institution (EMI) by the UK Financial Conduct Authority (FCA) with registration number 900507.

Wise Assets Ltd is authorised and regulated by the Financial Conduct Authority with registration number 839689.

See how we're regulated around the world.