Manage money across borders with one simple account
Send money to family from the US fast, and keep money in other currencies in your account. Convert to 40+ currencies in just a tap.
Connect your money worldwide
Pay and get paid globally. Move money where it matters: from paying your mortgage in euros to sending rupees overseas. Fast, simple and secure.
High speed, low fee transfers
Use our calculator to check prices for transfers in any of 40+ currencies. Whether scheduling payments or putting down deposits — over half our transfers get there in under 20 seconds.1 Use it to believe it.
Learn how to send money Rate guaranteed (20h)
Connected bank account (ACH) fee
2.49 USD
Our fee
6.97 USD
Total included fees (0.95%)
9.46 USD
- You could save up to 38.77 USD
Should arrive by Wednesday
Never pay a hidden fee again
Banks and other providers add markups to the exchange rate to make you pay more. Not us — see for yourself.
| Sending 1,000 USD with | Recipient gets(Total after fees) | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
 | 58,197.69 PHP | ||||||||||
Transfer fee 9.46 USD Exchange rate(1 USD PHP) 58.7535 Exchange rate markup 0 USD Cost of transfer 9.46 USD | |||||||||||
 | 57,528.20 PHP- 669.49 PHP | ||||||||||
Transfer fee 0.99 USD Exchange rate(1 USD PHP) 57.5852 Exchange rate markup 19.88 USD Cost of transfer 20.87 USD | |||||||||||
 | 55,919.53 PHP- 2,278.16 PHP | ||||||||||
Transfer fee 4.99 USD Exchange rate(1 USD PHP) 56.2000 Exchange rate markup 43.46 USD Cost of transfer 48.45 USD | |||||||||||
This applies when you pay in via ACH payments. How do we collect this data?
All funds are deposited with banks like JPMorgan Chase Bank
Registered with the Financial Crimes Enforcement Network (FinCEN)
Federally regulated. Check how we’re licensed state by state
All under lock and key
Every cent of the $11 billion we move each month is protected. We use HTTPS encryption and 2-step verification to make sure your transactions are secure.
Plus our customer service is here to help. We’ve got dedicated fraud and security teams if you ever need them.
Ready for businesses of all sizes
Pay invoices and employees worldwide, and keep your cash flow in check. Join over 400,000 freelancers, micro businesses and SMBs using Wise.
For people going places
"They make our life split between two continents possible. Transfers are simple and very, very fast."
"Always fast transactions and good fees. An invaluable online bank for those who live outside their own country or are frequent travellers."
Meet money without borders
We’re building the best way to move and manage the world’s money. Min fees. Max ease. Full speed.
Wise works nearly everywhere
Find the account details you need to get paid in any of 8 currencies. Use them to receive salaries, pension payments and more.
- Account details
- Hold and convert money
- Send money
- United States dollarRouting number, Swift/BIC, Account number, and Account typeGet USD account details
- Transaction speed claimed depends on funds availability, approval by Wise’s proprietary verification system and systems availability of our partners’ banking system, and may not be available for all transactions.
- Annual Percentage Yield (APY) - rates shown are true as of 06/12/2024. See Program Agreement for details.
- The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account “swept” into a Federal Deposit Insurance Corporation (“FDIC”) insured interest-bearing account at one or more participating banks (each, a “Program Bank”) that will hold and pay interest on the deposit funds. For a complete list of Program Banks, please see Appendix 1 of the Program Agreement. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.
For customers opted in to receive interest on EUR and GBP balances, the FDIC passthrough insurance provided by our program bank is for up to the equivalent of $250,000 in total for your USD, EUR and GBP combined balance amounts (collectively, the “Eligible Balances”).