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Spend, receive and manage money internationally, as easily as you do at home.
Make fast and cheap international transfers and save on fees.
Get paid easily in other currencies with global account details.
Pay and withdraw cash worldwide without any hidden fees or markups.
*Receive interest is not available to residents of New York and Alaska at this time.
We move £12B worldwide every month
All funds are deposited with banks like JPMorgan Chase Bank in the US
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1 FDIC insurance is provided as pass-through insurance with our current program bank. (Wise is not a bank). The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account "swept" into a Federal Deposit Insurance Corporation ("FDIC") insured account at one or more participating banks (each, a "Program Bank") that will hold the deposit funds. For a complete list of Program Banks, please see Appendix 1 of the Program Agreement. Availability of FDIC deposit insurance for the deposit funds is subject to certain conditions. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.
There is no minimum balance required to earn the advertised APY. Fees may reduce earnings.
For customers opted in to receive interest on EUR and GBP, the FDIC passthrough insurance provided by our program bank is for up to the equivalent of $250,000 in total for your USD, EUR and GBP combined balance amounts (collectively, the "Eligible Balances").
2 Annual Percentage Yield (APY) - rates on all currencies shown are true and displayed in APY as of 09/18/2026. The rate may change after the account is opened. See Program Agreement for details.