USD direct debits are here. And they are awesome.

Good news, America, from today, you can now directly link your Wise account to your US bank, brokerage, trading platform, credit card provider, PayPal, and many other services — and automate your payments through direct debits. Which are absolutely, 100%, Totes McGotes free.

No more big fees to pay your bills. No more lousy conversion fees.

Right now, it's available only for US residents. We’re soon launching for everyone outside the US in the coming months, join the waitlist here.

Direct debits explained

Direct debits are when you link your account to another service and give them permission to debit money straight from your account.

Automate card payments and transfers

With direct debits, you can set up automatic payments to your Amex, Chase, or any other card program and avoid those pesky late fees.

And if you frequently move funds to a US bank or savings account, you can avoid the hassle of doing it manually each month and set up a recurring debit from your Wise account.

Avoid fees when you invest and use other services

Paypal, investment apps, and other online services let you add funds using a card or wire transfer, but these often carry hefty fees. Linking your account and adding funds with direct debits is completely free. A penny saved is a penny earned!

Great for paying bills

Direct debits are also great for online bill paying.

Once you link your account to another provider, like Verizon, T-Mobile, or most anyone else, you won’t need to do it again; you’ll be able to set up future payments with a few clicks.

You can also set up recurring debits, where the payments will be automatically taken out on a schedule — no clicks needed. You just set it and forget it. Many providers even offer discounts for setting up automated payments.

How to set them up

It’s simple:

1. Go to your account and add USD as a balance (if you haven’t already).
2. Click Get bank details.
3. Log in to another service you’d like to link to Wise.
4. Follow their steps to link to an external account. You’ll have to enter your USD balance account number and ACH routing number. Make sure to choose “Checking” as the account type.
5. The service will then send 1-2 micro deposits (small amounts) to your Wise account. (Note that your Wise account might show up as “Community Federal Savings Bank” in their system.)
6. Wait for the micro deposits (1-2 small amounts) to appear in your balance, then confirm them to finish linking your account.
7. When it’s time to make a payment, choose your Wise account. (Or “Community Federal Savings Bank”, as we mentioned in step 5.)
8. We’ll take care of the rest.

Happy sending, spending, saving, and now debiting!