Wise

Wise is a borderless money platform that enables individuals and businesses to move, hold, and spend money across 40+ currencies with transparent, low fees. It offers a multi-currency account, local account details for receiving money, and fast international transfers. Wise Platform extends these capabilities to third-party products and platforms, enabling APIs, card issuance, and payouts.

• Multi-currency account (40+ currencies) with local account details for receiving money
• Send, receive, and hold money globally with transparent pricing
• Real exchange rates with minimal markup and no hidden fees
• Debit cards for personal use and card issuing for platforms via Wise Platform
• Global payments network: supports 160+ countries and 40+ currencies
• API access and Swift connectivity for business integrations
• Fraud detection, 24/7 support, and strong regulatory compliance
• Platform for businesses and developers to embed payments and payouts

• Transparent, low-cost pricing with no hidden fees and real mid-market exchange rates
• Global reach across 160+ countries and 40+ currencies
• Pay-per-transfer model with clear costs and no monthly subscription
• Developer-friendly platform with API access and easy integration
• Robust security and regulatory oversight, including 2FA and trusted financial partners

Pricing is pay-per-transfer with no monthly subscription. Fees vary by currency and funding method. Example from Wise Netherlands: bank transfer fee 0 EUR, our transfer fee 6.21 EUR, total transfer cost 6.25 EUR, with an exchange rate of 1 EUR = 1.15665 USD (illustrating a transparent cost structure rather than hidden markups). Transfer amounts shown on Wise pages demonstrate how the recipient amount is affected by the FX rate and fees (e.g., 1,000 EUR can yield about 1,129–1,149 USD depending on method and rate). Overall, there are no hidden fees and pricing is disclosed up front.