With Wise, you can send euros (EUR) to bank accounts in countries outside of SEPA using Swift.
What’s a Swift transfer?
When you send a same-currency transfer, it’s sent via the Swift messaging network. An example would be when you send euros to a EUR bank account outside of SEPA — as opposed to it being converted to another currency.
How does Swift work?
Sending money with the Swift payment network is like travelling from one airport to another – it’s not always possible to take a direct flight, so you may need to travel from city to city via several connecting flights.
Swift works the same way. The money will travel from one country to another through correspondent banks. These correspondent banks often charge their own fees that are separate from our fees.
How to set it up
Set up your transfer on Wise. You’ll need to add a new recipient to get started.
Add your recipient’s account details.
Pay for your transfer. We’ll send the EUR to your recipient as usual.
How much it costs
Your fees
It costs us extra to send money by Swift, so we’ll add that amount to the regular Wise fee. There may also be additional fees from correspondent or recipient banks when sending by Swift.
If you're converting from another currency to EUR we'll charge a conversion fee, but if you're paying with EUR and sending to EUR then we just charge a flat fee.*
Check the tables below for pricing. Your total fee will be the fixed fee plus the variable fee.
You'll see how much the extra fee is when setting up a transfer, but you can also check pricing here and review the Terms of Use for your region.
When sending EUR to to countries outside of SEPA:
| Fixed fee | Variable fee | |
|---|---|---|
| Cross-currency | 2.24 EUR | 0.03% |
| Same currency (EUR) | 5.28 EUR | 0.00% |
*If you're sending to a personal PrivatBank account in Ukraine:
| Fixed fee | Variable fee | |
|---|---|---|
| Cross-currency | 0.76 EUR | 1.03% |
| Same currency (EUR) | 3.80 EUR | 1.00% |
Not applicable to business PrivatBank accounts.
Your recipient’s fees
When sending to EUR bank accounts to countries outside of SEPA the recipient's bank may charge fees to receive Swift payments.**
In addition, correspondent banks along the way might charge additional fees to process the money. We don’t have control over when these fees are charged, or how much they cost.
Learn more about Swift correspondent fees
**Note: if you're sending to a personal PrivatBank account in Ukraine the recipient bank won't charge additional fees.
Where you can send EUR
You can’t send EUR to every country yet. Check where you can send EUR via Swift.