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International money transfers

Join over 12.8 million people who choose Wise for fast and secure online money transfers. Save up to 3x when sending money abroad.

Millions of happy customers
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Is Wise safe?
Yes, here’s why
 Rate guaranteed (8h)
  • Connected bank account (ACH) fee

    2.49 USD

  • Our fee

    6.97 USD


Total included fees (0.95%)

9.46 USD

  • You could save up to 40.08 USD

Should arrive by Tuesday

Save on exchange rate markups

The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

How do we select providers and collect this data?
Sending 1,000 USD withRecipient gets(Total after fees)
Wise
941.57 EUR
Transfer fee
6.26 USD
Exchange rate(1 USD EUR)
0.947500
Exchange rate markup
983.66 USD

Cost of transfer
989.92 USD

Western Union
933.39 EUR- 8.18 EUR
Transfer fee
0.99 USD
Exchange rate(1 USD EUR)
0.934312
Exchange rate markup
983.89 USD

Cost of transfer
984.88 USD

Wells Fargo
918.20 EUR- 23.37 EUR
Transfer fee
0 USD
Exchange rate(1 USD EUR)
0.918199
Exchange rate markup
984.16 USD

Cost of transfer
984.16 USD

Chase
915.09 EUR- 26.48 EUR
Transfer fee
5 USD
Exchange rate(1 USD EUR)
0.919684
Exchange rate markup
984.14 USD

Cost of transfer
989.14 USD

PayPal
898.01 EUR- 43.56 EUR
Transfer fee
4.99 USD
Exchange rate(1 USD EUR)
0.902515
Exchange rate markup
984.43 USD

Cost of transfer
989.42 USD

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Send money abroad from the US in 3 easy steps

How much does it cost to transfer USD to EUR?

Pay a small, flat fee and percentage

To send money in USD to EUR, you pay a small, flat fee of 7 USD + 0.29% of the amount that's converted (you'll always see the total cost upfront). See our transfer calculator.


Fee depends on your chosen transfer type

Some transfer types have different fees which are usually tiny.


No hidden fees

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Wise
Fees for our low cost transfers
Fixed fee
7 USD
Variable feeup to 25,497 USD/month
0.29%
Variable feemore than 25,497 USD/month

How long will a money transfer take?

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Sometimes, different payment methods or routine checks may affect the transfer delivery time. We’ll always keep you updated, and you can track each step in your account.

Your transfer route

USD
PHP

Should arrive

by Tuesday

How to send money with Wise

Best ways to send money internationally

  • Direct Debit

    Direct Debit is a convenient option that lets us take money from your account once you have authorised the payment on our site. It takes a little more time for your money to reach Wise, and it can be more expensive than a bank transfer.
  • Bank Transfer

    Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.

Protecting you and your money

Safeguarded with leading banks

We hold your money with established financial institutions, so it’s separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe.

Send money abroad with the Wise app

Looking for an app to send money abroad? Send money, receive payments from abroad, check exchange rates – all in one app.

  • Cheaper transfers abroad - free from hidden fees and exchange rate markups.
  • Check exchange rates - see on the app how exchange rates have changed over time.
  • Repeat your previous transfers - save the details, and make your monthly payments easier.
Learn more about the Wise app

See what the world’s largest publications have to say

Wired

Smart tech and sharp thinking are disrupting high-street banks

Financial Times

Wise is looking to use the internet to spark a digital revolution in current financial services

The Economist

Wise takes a machete to the hefty fees that banks levy to send money across borders

Wise works nearly everywhere

  • United Arab Emirates dirham
  • Australian dollar
  • Bangladeshi taka
  • Bulgarian lev
  • Canadian dollar
  • Swiss franc
  • Chilean peso
  • Chinese yuan
  • Costa Rican colón
  • Czech koruna
  • Danish krone
  • Egyptian pound
  • Euro
  • British pound
  • Georgian lari
  • Hong Kong dollar
  • Hungarian forint
  • Indonesian rupiah
  • Israeli shekel
  • Indian rupee
  • Japanese yen
  • Kenyan shilling
  • South Korean won
  • Sri Lankan rupee
  • Moroccan dirham
  • Mexican peso
  • Malaysian ringgit
  • Nigerian naira
  • Norwegian krone
  • Nepalese rupee
  • New Zealand dollar
  • Philippine peso
  • Pakistani rupee
  • Polish złoty
  • Romanian leu
  • Swedish krona
  • Singapore dollar
  • Thai baht
  • Turkish lira
  • Tanzanian shilling
  • Ukrainian hryvnia
  • Ugandan shilling
  • United States dollar
  • Uruguayan peso
  • Vietnamese dong
  • West African CFA franc
  • South African rand

See why customers choose Wise for their international money transfers

It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it. Read our reviews at Trustpilot.com.

Let's answer some of your questions