Send money overseas
Send money overseas from our website or mobile app, in just a few clicks.
Compare the best money transfer rates
|Sending 1,000.00 USD with||Recipient gets(Total after fees)||Transfer fee||Exchange rate(1 USD → EUR)|
|Cheapest||929.75 EUR||0.00 USD||0.929749Mid-market rate|
|921.47 EUR- 8.28 EUR||7.30 USD||0.928250Mid-market rate|
|921.43 EUR- 8.32 EUR||1.99 USD||0.923271|
|916.29 EUR- 13.46 EUR||0.00 USD||0.916291|
|915.84 EUR- 13.91 EUR||0.00 USD||0.915838|
|912.89 EUR- 16.86 EUR||0.00 USD||0.912888|
|909.54 EUR- 20.21 EUR||0.00 USD||0.909541|
|896.56 EUR- 33.19 EUR||5.00 USD||0.901065|
|894.16 EUR- 35.59 EUR||0.91 USD||0.894972|
|890.83 EUR- 38.92 EUR||4.99 USD||0.895300|
How to send money overseas in 3 easy steps
Enter amount to send in USD.
Pay in USD with your debit card or credit card, or send the money from your online banking.
Choose recipient .
Select who you want to send money to and which pay-out method to use.
Send USD, receive EUR.
The recipient gets money in EUR directly from Wise’s local bank account.
Wise is easy.
How to send money overseas
- Just tap in how much, and where to.
- Then make a local payment to Wise, whether it's with a wire transfer, ACH or your debit or credit card.
- And that's it.
Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.
Money transfer fees
How much does it cost to send money overseas?
To send money overseas with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always shows you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.
You can use our handy calculator to find out exactly how much will you pay for your transfer. The cost depends on where you will be sending money from and to, as well as on your chosen payment method.;
No big fees, hidden or otherwise. So it's cheaper than what you're used to.
Delivery time for money transfers overseas from the USA
90% of all money transfers from the USA are delivered in 1 business day from the moment we receive payment.
We do everything to complete your money transfer as soon as possible - the final delivery time of your transfer depends on your chosen payment method, where are you sending to and from or when your payment arrives to our account.
As a FinCEN regulated company we occasionally need to run security checks and request extra documentation, which might have impact on your delivery time.
Your transfer route
Should arrivein 2 hours
Best ways to send money internationally
Direct DebitDirect 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 TransferBank 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 CardPaying 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 CardPaying 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.
Wise works nearly everywhere
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.
We're a licensed money transmitter
We’re regulated by authorities around the world. This includes the FCA in the UK and FinCEN in the US.
We make sure your money’s secure, and that Wise is financially stable. As we’re not a bank, your money isn’t FSCS protected — instead we safeguard it.
We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.
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.
Trustpilot score 4.4 out of 5, from 186,562 reviews
It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it.Trustpilot.com. Read our reviews at