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160 countries. 40 currencies. Take on the world with Wise — the international account for sending, spending and converting money like a local.

Manage money on the go globally

Keep your currencies to hand in one place, and convert them in seconds. Receive money internationally too, with account details for 8 currencies. Use them to get money from overseas fee-free.

Send money overseas, save on fees

Make your money go further, no matter the distance. We charge as little as possible on international transfers, and you’ll always know what you’re paying. Send money now, or schedule transfers whenever suits you.

Boost your balance with our interest feature

Earn 4.95% APY on your USD balance. You’ll benefit from the same instant access when sending, spending and receiving money with your Wise account, so your money is available to you when you need it. 1
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Trust us to look after your money

We help over 15 million people move $8.5 billion every month — here’s how we make sure it’s secure.
Send the money from your online banking

Privacy and data

We protect your details through strict standards and 2FA.

Dedicated support

Questions? Get help in 14 languages.

International safeguarding

We’re regulated by national authorities around the globe.
  • *Annual Percentage Yield (APY) - rates shown are true as of 01/01/2024. 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 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”).