### ###Setting up your account
It’s free to create a Wise account, and there are never any monthly fees or minimum balances to worry about.
|Create your account||Free|
|Get a UK account number and sort code||Free|
|Get a U.S. account and routing number||Free|
|Get a European IBAN||Free|
|Get an Australian account and BSB number||Free|
|Get a New Zealand account number||Free|
|Get a Hungarian account number||Free|
|Get a Romanian account number||Free|
|Get a Singaporean account number||Free|
|Hold 50+ currency balances||Free|
|Hold more than €15,000 in EUR balance|
### ###Using your debit card With your own Wise debit card, you can spend in the local currency — wherever you are. It's accepted anywhere that takes Mastercard or Visa.
You can spend on your Wise debit card in any currency, and our smart tech will auto-convert it with the lowest possible fee. You'll always get the real exchange rate.
|Order a Wise debit card|
|Spend in currencies in your account||Free|
|Convert a currency using your card|
|First 2 ATM withdrawals up to $100 / month||Free|
|ATM withdrawals over $100 / month|
|Over 2 ATM withdrawals / month|
1.50 USD / withdrawal
### ###Adding and receiving money
Get paid with your own bank details. Anyone can use them to pay you like a local. You can hold more than 50 currencies at once, and convert between them in seconds.
|Receive money in EUR, GBP, AUD, NZD, RON, HUF & SGD||Free|
|Receive USD using ACH or bank debit||Free|
|Receive USD wire transfers|
### ###Sending money We never, ever inflate the exchange rate.
With the Wise account, you'll always get the real exchange rate. You only pay a small fee to convert currencies in your account.
Calculate any fee.
For total transparency, we built a calculator so you can check the fee for any currency, and any amount.
Wise financial regulation
Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the UK.
This means we're required by law to keep your money safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo.
These accounts are reserved for customer money, this means your money is kept in a separate account from the money we use to run the business.