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Two small steps towards mission 0: New Zealand and Hong Kong transfers are now cheaper 🎉

In March, we got two steps closer to achieving our mission 0 — fast, transparent and eventually free transfers. Because customers can now send to and from both New Zealand dollars and Hong Kong dollars for less.
Thanks to building better local partnerships, and operational improvements (such as opting for faster verification processes), we’ve reduced the costs of onboarding customers. And thanks to you, too — our community of customers. As more of you switch to Wise, we’re able to drop more prices. Because scaling our costs, means we can pass savings on to you. So thank you for being part of the journey 🚀

Why prices change

We’re on a mission to make Wise as cheap as possible. So we only ever charge what it costs to send your money, plus a small margin that we reinvest into growing Wise. Sometimes, when our costs go up, our prices go up too — and we work to bring them back down. But in the long run, we’re consistently lowering prices over time.

Read more about our mission

Average price over time

Transfer paid by bank transfer

Why prices change chart

What your fees pay for

Normal companies aren’t always 100% honest about their fees and profits. We believe in radical transparency. Across our business globally, this is what your fees pay for.

Our costs
  • 10% Offices and other overheads
  • 14% Operations and customer support teams
  • 18% Building and improving Wise
  • 19% Margin and growing Wise
  • 39% Banking partners and money-moving costs

Our three principles


Be radically transparent.

Normal companies aren't always 100% honest about their fees and profits. We believe in having nothing to hide.


Charge as little as possible.

Normal companies charge as much as they can get away with. We believe in upside-down pricing.


Make it simple, make it instant.

Normal companies make you pay more for 'premium' stuff. We believe the best-possible should be standard.