International money transfers up to 8 times cheaper than banks, used globally.
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Visit Wise →Sending money internationally has historically meant poor exchange rates, opaque fees, and transfers that take days to arrive. Wise was built specifically to fix that, bringing transparency and fair pricing to cross-border payments.
Wise (formerly TransferWise) is an international money transfer and multi-currency account platform that lets individuals and businesses send, receive, and hold money in dozens of currencies at the real mid-market exchange rate. It's one of the most widely used alternatives to traditional banks for anyone who regularly deals with money across borders.
The core of Wise is its exchange rate — it uses the mid-market rate with no markup, charging a small transparent fee instead of hiding costs in the spread the way most banks do. This makes the actual cost of a transfer clear upfront, which is a significant departure from how traditional international transfers work.
The Wise multi-currency account lets you hold balances in 40+ currencies and get local bank account details in major currencies including USD, EUR, GBP, and AUD. This means you can receive payments like a local in multiple countries, which is particularly valuable for freelancers and businesses working with international clients.
The Wise debit card connects to your multi-currency balance and automatically converts at the real rate when you spend in a foreign currency, making it a practical card for travel and international purchases. Transfers between Wise accounts are instant, and transfers to external bank accounts are typically faster than traditional wire transfers.
For businesses, Wise offers batch payments, API access, and expense management features that scale beyond what the personal account covers.
Freelancers and contractors working with international clients, expats managing money across countries, businesses paying international suppliers or employees, and travelers who want a fair exchange rate without bank fees. If you move money across borders with any regularity, Wise is one of the most cost-effective and transparent ways to do it.
