Question 1

What is an international money transfer?

Accepted Answer

An international money transfer is a way to make payments from your bank account to another bank account in a different country. Sending international money transfers with a traditional bank can be expensive though — it can be much cheaper with Wise.

Question 2

How long does an international money transfer take?

Accepted Answer

For popular currencies, Wise can send your money within one day — or even within seconds. Sometimes, payment methods or routine checks can affect the transfer delivery time. We’ll always keep you updated, and you can track your transfer in your account.

Question 3

How do I send an international money transfer?

Accepted Answer

Sign up for free online or using our app. All you need is an email address, or a Google or Facebook account.
Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
Add your recipient’s bank details. If you don’t know their details, we can request them for you.
Verify your identity. For some currencies, or for large transfers, we’ll need to verify you — we usually just need a photo ID. This helps us keep your money safe.
Pay for your transfer with a debit or credit card, or bank transfer.
That’s it. You can track your transfer in your account, and we'll tell your recipient the money is on its way.

Question 4

What’s the best way to send money abroad?

Accepted Answer

Choosing how you want to send money with Wise largely depends on your payment method. Some are faster than others, and some may be slower but cheaper.

Question 5

How is Wise regulated?

Accepted Answer

Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the United Kingdom.

Question 6

How much can I send abroad? Are there limits to how much I can send?

Accepted Answer

Yes, there are limits to how much you can send with us. They depend on the currencies you’re sending to and from, and how you pay. You can check the limits for each currency on our Help Centre, or by using our calculator. We’ll also let you know if you try to send too much at one time.

Question 7

How do I know the money will get there?

Accepted Answer

We follow a strict set of rules set by regulatory agencies in every country we operate in, so you can feel assured that we’ll send the money to exactly where you’ve told us to send it. You can check what recipient details you entered by downloading a transfer receipt.

Question 8

How will the money be received?

Accepted Answer

When you send an international money transfer, we’ll simply deposit the money into your recipient’s bank account — unless you’ve selected a method where this works differently, like Interac for CAD, for example.

Question 9

How can I avoid a wire transfer fee?

Accepted Answer

You can avoid a wire transfer fee by selecting a different payment method — like ACH bank debit, credit or debit card. Keep in mind, these payment methods have lower limits. So if you want to send a large amount, you’ll need to send multiple smaller transfers.

Question 10

What documents do I need to send an international money transfer?

Accepted Answer

Because Wise is a regulated financial institution, we need to know who our customers are. It helps us combat money laundering, and keep everyone’s money safe. So depending on multiple factors, we can ask for identifying documents at any time. Typically, we’ll ask for a photo ID and/or proof of address — but sometimes we’ll ask for other information.

Sending 1,000 JPY with	Recipient gets(Total after fees)
	306.12 PHP
Transfer fee 200 JPY Exchange rate(1 PHP JPY) 2.61338 Exchange rate markup 1 JPY Cost of transfer 201 JPY

	288.62 PHP- 17.50 PHP
Transfer fee 246 JPY Exchange rate(1 PHP JPY) 2.61241 Exchange rate markup 0 JPY Cost of transfer 246 JPY

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International money transfers

Save on exchange rate markups

Send money abroad from the US in 3 easy steps

Enter amount to send in JPY.

Choose recipient.

Send JPY, receive PHP.

How much does it cost to transfer JPY to PHP?

Pay a small, flat fee and percentage

Fee depends on your chosen transfer type

No hidden fees

How long will a money transfer take?

Your transfer route

How to send money with Wise

Register for free.

Choose an amount to send.

Add recipient’s bank details.

Verify your identity.

Pay for your transfer.

That’s it.

Best ways to send money internationally

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Send money abroad with the Wise app

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