Wise
✓ VerifiedSend money to bank accounts in 140+ countries at the real mid-market exchange rate, with a low, transparent fee shown upfront. Hold and convert 40+ currencies in one account.
- Founded
- 2011
- Destinations
- 140+ countries
- Speed
- Within a day, often instant
- Exchange Rate
- Mid-market, no markup
Get the Wise app
Available for free on iPhone and Android. Sign up with an email address, see the fee and delivery estimate upfront, pay with a bank transfer, debit or credit card, Apple Pay or Google Pay, and track every transfer from your phone.
Customer Reviews
See what customers are saying about Wise on its official Trustpilot profile. Read verified reviews from real users who send money abroad, hold multiple currencies and spend with the Wise card.
Read all 285,000+ reviews on Trustpilot →About This Provider
Key company facts for Wise.
- Founded
- 2011, London, United Kingdom
- Formerly Known As
- TransferWise
- Headquarters
- London, United Kingdom
- Founders
- Kristo Käärmann & Taavet Hinrikus
- UK Entity
- Wise Payments Limited
- Customer Support
- wise.com/help
- Regulatory Compliance
- Authorised by the UK Financial Conduct Authority as an electronic money institution (Firm Reference 900507) · FinCEN-registered Money Services Business, licensed as a money transmitter in most US states · Regulated by authorities in the other markets it operates in
Company Overview
A closer look at Wise's mission and position in the global remittance market.
Wise was founded in London in 2011 under the name TransferWise, after its founders grew frustrated with the hidden fees banks charged for sending money abroad. The idea was simple: use the real mid-market exchange rate, the one you see on Google, and charge a low, transparent fee instead of hiding costs in a marked-up rate.
Today Wise lets you send money to bank accounts in more than 140 countries, and hold and convert over 40 currencies in a single multi-currency account. Millions of customers move billions each month on the platform, and many popular routes arrive within a day or even instantly. Wise is a technology company, not a bank, and holds customer money with established financial institutions, separate from its own accounts.
You can send money from the Wise app or website by paying with a bank transfer, a debit or credit card, Apple Pay or Google Pay. The fee, exchange rate and estimated arrival time are shown before you confirm, and your recipient receives the money as a local bank payment. Wise also offers a debit card and a business account, so one Wise account can cover sending, receiving and spending abroad.
Sending Countries & Popular Corridors
Wise supports sending from many countries and currencies. Features and fees vary by country and route, so check the Wise calculator for your exact corridor.
Send From
Popular from United States
Popular from United Kingdom
Popular from Canada
Popular from Australia
Receiving Countries
Wise sends money to bank accounts in 140+ countries. Below are some popular destinations by region. Availability depends on the currency you send from, so confirm your route before you send.
Asia & Middle East
Americas
Africa
Europe & Oceania
Service Features
What Wise offers to make sending money abroad cheaper, faster and easier to follow.
Real Mid-Market Rate
Wise converts at the mid-market exchange rate with no markup, and shows its fee upfront so you know what your recipient gets.
140+ Countries
Send money to bank accounts in over 140 countries, delivered to the recipient as a local payment.
Fast Transfers
On many popular routes money arrives within a day, and some transfers are instant. The app shows an estimate before you pay.
Multi-Currency Account
Hold 40+ currencies and get local bank details in 8+ currencies to receive payments like a local.
Wise Debit Card
Spend abroad with a Wise card that uses your balances and converts currency at the real rate when needed.
Flexible Ways to Pay
Pay by bank transfer, debit or credit card, Apple Pay or Google Pay. Bank transfers and debit cards are usually the cheapest options.
Safeguarded & Regulated
Customer money is held with established financial institutions, protected by two-factor authentication, and Wise is authorised by the UK FCA.
Rate Alerts & Repeat Transfers
Set exchange rate alerts to send at a good moment, and repeat previous transfers in a couple of taps.
Frequently Asked Questions
Common questions about sending money with Wise.
How fast is Wise?
On many popular routes Wise can deliver within one day, and some transfers are instant. Speed depends on the currencies, the payment method you use and bank processing times. Enter your details in the Wise calculator to see an estimate before you confirm.
How much does Wise charge?
Wise charges a low fee that is shown upfront and varies by route, amount and payment method, and it converts at the mid-market exchange rate with no markup. Paying by bank transfer is usually cheaper than a card, and a debit card is usually cheaper than a credit card.
Is Wise safe and regulated?
Yes. Wise is authorised by the UK Financial Conduct Authority (Firm Reference 900507), is a FinCEN-registered Money Services Business in the US and is licensed as a money transmitter in most US states. Customer money is safeguarded with established financial institutions. Note that Wise is not an FDIC-insured bank.
What are Wise's transfer limits?
Limits vary by currency, route and how much of your identity Wise has verified. Large transfers are supported on many routes, and for some currencies or amounts you may need to verify your identity with a photo ID. Check the Wise calculator or contact support for the limit on your route.
Can I send money to India, Pakistan or Bangladesh with Wise?
Wise supports many destinations across Asia, but availability depends on the currency you send from and the delivery method. Use the Wise calculator or its feature availability checker to confirm India, Pakistan or Bangladesh on your route, along with current fees and speed.
Can my recipient collect cash with Wise?
Wise is designed for bank-to-bank transfers, so money is sent to the recipient's bank account as a local payment. It does not use a cash pickup agent network. If your recipient needs cash, a provider with agent locations may suit better.
How do I track my Wise transfer?
You can see the status of every transfer in your Wise account on the website or in the app. Wise also tells your recipient that the money is on its way.
Where can I download the Wise app?
The Wise app is free to download from the Apple App Store on iPhone and from Google Play on Android. Use the download buttons above, which link to Wise's official app pages.
Company details, coverage, fees and ratings are based on Wise's official website and App Store, Google Play and Trustpilot listings, and can change. Always confirm current terms on wise.com before sending money. The App Store and Google Play buttons link directly to Wise's official app listings.