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Fees for holding money

Hold 50+ currencies in your Wise account for free. Pay an annual fee for larger amounts in Euros.

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Holding money with Wise

Holding money with Wise

It’s free to keep most currencies in your Wise account, up to a limit

From US dollars to South African rand, hold your money in different currencies without fees.

Pay a fee to hold more than 15,000 EUR

If you’d like to keep more than 15,000 EUR in your Wise account, we’ll charge a 0.4% fee annually.

  • Annual fees
  • globalCurrency

    Hold 50+ currencies balances


  • Less than 15,000 EUR

    More than 15,000 EUR


    0.4 %

Want to hold a larger amount?

Calculate your fees

15,000 EUR or lessFree
Extra 7,500 EUR (0.4% daily)

It’s free for the first 3 days

You can keep more than the currency holding limit in your account for 3 days. After the third day, we’ll apply a fee.

Then, we’ll charge an annual fee

We’ll take the fee from your account at the end of each month. The amount’s based on the number of days per year you hold money with Wise.

We’ll only charge for the extra amount

For example, if you’ve got 25,000 EUR in your account, we’ll only take a fee for 10,000.

Frequently asked questions

We’ve introduced this fee because interest rates are negative in the Eurozone. This means that it costs us money to hold EUR for our customers.
If you have both a personal and business account, the balances in your personal account don't affect the free allowances in your business account (and vice versa).
We follow a strict set of rules set by regulatory agencies in every country we operate in — like the FCA in the UK. These agencies protect you, and protect the market we operate in.

We always act fairly and honestly, in the best interests of our customers. Our regulators monitor us to make sure what we say and do is in line with regulatory standards — so that we operate in accordance with our licences. Read more here