Wise
fintech per-transaction
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Notes
International money transfer and multi-currency account platform. No subscription fees — purely per-transaction pricing with mid-market exchange rates.
Pricing
Account
Registration: Free. Balance holding: Free. No subscription fees.
Sending Money
Transfer fees from 0.57% (varies by currency pair).
Receiving Money
| Type | Fee |
|---|---|
| Domestic payments (AUD, CAD, EUR, GBP, HUF, NZD, SGD, TRY, USD) | Free |
| USD wire/SWIFT | $6.11/payment |
| GBP SWIFT | £2.16/payment |
| EUR SWIFT | €2.39/payment |
| 19 other currencies | Variable |
Card
| Type | Fee |
|---|---|
| Physical card | $9 one-time |
| Spending in card currency | Free |
| ATM withdrawals (first $250/mo) | Free |
| ATM withdrawals (after $250/mo) | $1.95 + 1.95% |
| E-wallet top-ups | 2% |
Currency Conversion
Exchange rate fee from 0.57%. Mid-market rate only (no markup).
Notes
No plans or tiers — flat fee-per-transaction model. Volume discounts available for large conversions. Same-currency transfers between Wise users are free. Differentiated by transparent mid-market rate positioning.
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