What are Wise's wire transfer fees?

Gabriela Peratello

Wise offers low-cost international transfers which use the mid-market exchange rate, to 80+ countries, and in 50+ currencies.

Need information about the Wise wire transfer costs, or the Wise incoming wire transfer fee? This guide covers all you should know.

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Wise wire transfer fees

Let’s take a look at the different Wise wire fees that may apply, depending on the type of transaction you need to make.

Fees can vary from time to time, and are based on the service or payment you require — but you’ll always be able to see a breakdown of the charges before you confirm your transaction.

Learn more about Wise transfers, and get all you need to set up or receive a payment, including the Wise routing numbers, over on the Wise desktop site.

If you're paying for your transfer via wire

You can pay for a Wise transfer in USD using ACH, card, or wire. If you choose to fund your Wise payment with a wire you’ll pay any fee your own bank charges for a wire transfer, plus the following Wise fees, which are split out for transparency:

  • Variable fee*: around 0.47% is common for major currencies
  • Fixed fee*: normally in the region of 4.15 USD per transfer

Wise international transfers use the mid-market exchange rate — which is usually far better than the rate you’ll get with your bank, leading to lower overall costs.

If you're sending money from your Wise Account via wire

Once you hold a Wise USD Balance you can choose to send it in a range of currencies. In this case, if you make a wire transfer from your Balance, there will be a low Wise fee* to pay, which is clearly shown before you confirm your payment.

You’ll also be able to compare the costs of sending money with Wise against some other popular banks and providers, within the Wise app.

If you're receiving a wire transfer into your USD Balance

If you hold a Wise USD Balance and need to receive a wire payment, you’ll pay a low fee of 4.14 USD per incoming wire. You can also receive USD payments to your Wise Account by ACH, with no Wise fee to pay.


Wise wire transfer fees summary

Here’s a quick reminder of the costs which may apply when you use wire transfers with Wise. Don’t forget, charges are subject to change and may vary based on the specific transfer or service you require.

Wise wire transfer serviceCosts*
Pay for your Wise transfer by wire

Variable fee of around 0.47% + fixed fee of around 4.15 USD

Your own bank may also charge for sending a wire

Send money from your Wise AccountLow Wise fee which is shown before you confirm the transfer
Receive a wire into your Wise Account4.14 USD

See how wise compares to other providers when sending money

If you're still not sure whether Wise is the right answer for you when making an international transfer, check out below how it compares with other providers:

You can use wire transfers to send and receive payments with Wise, with low costs and the mid-market exchange rate whenever you need to switch from one currency to another.

Check out the costs of your transaction — and compare the fees, exchange rates and delivery speeds against other providers, online or in the Wise app.

*Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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