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Cheapest international money transfer

Choosing the cheapest way to send money with Wise will depend on where you’re sending money and a payment method you choose. Pick the best money transfer option and start saving on your money transfers today.

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  • 2.49 USD
  • 3.77 USDOur fee
  • 6.26 USDTotal fees
  • =
    993.74 USDTotal amount we’ll convert
  • ×
    0.9509

Should arrive in 4 hours

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Find the best way to transfer money internationally

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
945 EUR
Transfer fee
6.26 USD
Exchange rate(1 USD EUR)
0.950950
Exchange rate markup
0 USD

Cost of transfer
6.15 USD

Western Union
934.50 EUR- 10.50 EUR
Transfer fee
0.99 USD
Exchange rate(1 USD EUR)
0.935429
Exchange rate markup
16.22 USD

Cost of transfer
17.21 USD

Wells Fargo
921.64 EUR- 23.36 EUR
Transfer fee
0 USD
Exchange rate(1 USD EUR)
0.921640
Exchange rate markup
30.72 USD

Cost of transfer
30.72 USD

Chase
918.50 EUR- 26.50 EUR
Transfer fee
5 USD
Exchange rate(1 USD EUR)
0.923114
Exchange rate markup
29.17 USD

Cost of transfer
34.17 USD

PayPal
900.04 EUR- 44.96 EUR
Transfer fee
4.99 USD
Exchange rate(1 USD EUR)
0.904551
Exchange rate markup
48.69 USD

Cost of transfer
53.68 USD

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.
  • Debit Card

    Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
  • Credit Card

    Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
  • Apple Pay

    If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
  • Google Pay

    If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
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How to send a cheap money transfer in 3 easy steps

Things to consider to find a truly best way to send money internationally

  • Fees

    Many businesses state low fees or even offer consumers fee-free transfers, but most of the expense of sending money abroad is hidden. The bulk of consumer costs can be concealed in poor exchange rates.

  • Exchange rates

    A quick Google search will show you an exchange rate. But if you compare it to the exchange rate offered by banks and traditional money transfer services, you’ll find their rate is often much worse.

  • Transfer time

    Traditional banks and international money remittances often take several working days. Wise is often much faster: a lot of transfers are completed within 1 business day. Many of our transfers are even instant.

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.

Sending money is cheap with the Wise app

Looking for an app to send money with low fees? Sending money is easy with Wise 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

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

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