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 * Personal
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 * Features
    * Multi-currency account
      
      Explore the account used by 16 million people to live, work, travel and
      transfer money worldwide.
   
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    * Receive money
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    * Interest New

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CONNECT YOUR MONEY WORLDWIDE

Pay and get paid globally. Move money where it matters: from paying your
mortgage in euros to sending rupees overseas. Fast, simple and secure.

Send money nowHow our transfers work
ESent1,100.00 USD Received1030.95 EURSent1140.93 GBP



HIGH SPEED, LOW FEE TRANSFERS

Use our calculator to check prices for transfers in any of 40+ currencies.
Whether scheduling payments or putting down deposits — over half our transfers
get there in under 20 seconds.1 Use it to believe it.

Learn how to send money
 Rate guaranteed (10h)
1 USD = 58.9510 PHP
You send exactly
USD
Recipient gets
PHP
Paying with

CONNECTED BANK ACCOUNT (ACH)

Change

 * Connected bank account (ACH) fee
   
   2.49 USD

 * Our fee
   
   6.97 USD

--------------------------------------------------------------------------------

Total included fees (0.95%)

9.46 USD

 * You could save up to 37.78 USD

Should arrive by Monday

Compare fees
Send money


MANAGE MONEY ACROSS BORDERS WITH ONE SIMPLE ACCOUNT

Send money to family from the US fast, and keep money in other currencies in
your account. Convert to 40+ currencies in just a tap.

Open an accountExplore the Wise account



4.18% APY ON YOUR USD BALANCE

4.18% APY2 (Annual Percentage Yield) on your USD Balance when you opt in to our
interest feature. Enjoy the same instant access to your money, plus passthrough
FDIC insurance up to $250,000 on all Eligible Balances combined through our
Program Bank3.

Explore our interest feature


--------------------------------------------------------------------------------

 * All funds are deposited with banks like JPMorgan Chase Bank

 * Registered with the Financial Crimes Enforcement Network (FinCEN)

 * Federally regulated. Check how we’re licensed state by state


ALL UNDER LOCK AND KEY

Every cent of the $11 billion we move each month is protected. We use HTTPS
encryption and 2-step verification to make sure your transactions are secure.

Plus our customer service is here to help. We’ve got dedicated fraud and
security teams if you ever need them.

Learn more



READY FOR BUSINESSES OF ALL SIZES

Pay invoices and employees worldwide, and keep your cash flow in check. Join
over 400,000 freelancers, micro businesses and SMBs using Wise.

Explore Wise Business



FOR PEOPLE GOING PLACES



"They make our life split between two continents possible. Transfers are simple
and very, very fast."

Read review on Trustpilot

"Always fast transactions and good fees. An invaluable online bank for those who
live outside their own country or are frequent travellers."

Megan on Trustpilot


MEET MONEY WITHOUT BORDERS

We’re building the best way to move and manage the world’s money. Min fees. Max
ease. Full speed.

Learn about our mission


WISE WORKS NEARLY EVERYWHERE

Find the account details you need to get paid in any of 8 currencies. Use them
to receive salaries, pension payments and more.

 * Account details
 * Hold and convert money
 * Send money
 * 

 * United States dollar
   Routing number, Swift/BIC, Account number, and Account typeGet USD account
   details
 * British pound
   Swift/BIC, IBAN, Sort code, and Account numberGet GBP account details
 * Euro
   Swift/BIC and IBANGet EUR account details
 * United Arab Emirates dirham
   Swift/BIC and IBANGet AED account details
 * Australian dollar
   BSB code and Account numberGet AUD account details
 * Bulgarian lev
   Swift/BIC and IBANGet BGN account details
 * Canadian dollar
   Swift/BIC, Account number, and Institution numberGet CAD account details
 * Swiss franc
   Swift/BIC and IBANGet CHF account details
 * Chinese yuan
   Swift/BIC and IBANGet CNY account details
 * Czech koruna
   Swift/BIC and IBANGet CZK account details
 * Danish krone
   Swift/BIC and IBANGet DKK account details
 * Hong Kong dollar
   Swift/BIC and IBANGet HKD account details
 * Hungarian forint
   Swift/BIC, IBAN, and Account numberGet HUF account details
 * Israeli shekel
   Swift/BIC and IBANGet ILS account details
 * Japanese yen
   Swift/BIC and IBANGet JPY account details
 * Norwegian krone
   Swift/BIC and IBANGet NOK account details
 * New Zealand dollar
   Swift/BIC and Account numberGet NZD account details
 * Polish złoty
   Swift/BIC and IBANGet PLN account details
 * Swedish krona
   Swift/BIC and IBANGet SEK account details
 * Singapore dollar
   Bank name, Bank code, and Account numberGet SGD account details
 * Turkish lira
   IBANGet TRY account details
 * Ugandan shilling
   Swift/BIC and IBANGet UGX account details
 * South African rand
   Swift/BIC and IBANGet ZAR account details

 * United Arab Emirates dirham
 * Australian dollar
 * Bangladeshi taka
 * Bulgarian lev
 * Canadian dollar
 * Swiss franc
 * Chilean peso
 * Chinese yuan
 * Costa Rican colón
 * Czech koruna
 * Danish krone
 * Egyptian pound
 * Euro
 * British pound
 * Georgian lari
 * Hong Kong dollar
 * Hungarian forint
 * Indonesian rupiah
 * Israeli shekel
 * Indian rupee
 * Japanese yen
 * Kenyan shilling
 * South Korean won
 * Sri Lankan rupee
 * Moroccan dirham
 * Mexican peso
 * Malaysian ringgit
 * Nigerian naira
 * Norwegian krone
 * Nepalese rupee
 * New Zealand dollar
 * Philippine peso
 * Pakistani rupee
 * Polish złoty
 * Romanian leu
 * Swedish krona
 * Singapore dollar
 * Thai baht
 * Turkish lira
 * Tanzanian shilling
 * Ukrainian hryvnia
 * Ugandan shilling
 * United States dollar
 * Uruguayan peso
 * Vietnamese dong
 * West African CFA franc
 * South African rand

 * Andorra
 * Argentina
 * Australia
 * Austria
 * Bangladesh
 * Belgium
 * Botswana
 * Brazil
 * British Virgin Islands
 * Bulgaria
 * Canada
 * Chile
 * China
 * Colombia
 * Costa Rica
 * Croatia
 * Cyprus
 * Czech Republic
 * Denmark
 * Ecuador
 * Egypt
 * El Salvador
 * Estonia
 * Fiji
 * Finland
 * France
 * Georgia
 * Germany
 * Ghana
 * Greece
 * Hong Kong
 * Hungary
 * India
 * Indonesia
 * Ireland
 * Israel
 * Italy
 * Japan
 * Kenya
 * Latvia
 * Liechtenstein
 * Lithuania
 * Luxembourg
 * Malaysia
 * Malta
 * Marshall Islands
 * Mexico
 * Micronesia
 * Monaco
 * Montenegro
 * Morocco
 * Nauru
 * Nepal
 * Netherlands
 * New Zealand
 * Nigeria
 * Norway
 * Pakistan
 * Palau
 * Panama
 * Peru
 * Philippines
 * Poland
 * Portugal
 * Romania
 * San Marino
 * Singapore
 * Slovakia
 * Slovenia
 * South Africa
 * South Korea
 * Spain
 * Sri Lanka
 * Sweden
 * Switzerland
 * Taiwan
 * Tanzania
 * Thailand
 * Timor-Leste
 * Turkey
 * Uganda
 * Ukraine
 * United Arab Emirates
 * United Kingdom
 * United States
 * Uruguay
 * Vatican City
 * Vietnam
 * Zambia

Show more
 1. Transaction speed claimed depends on funds availability, approval by Wise’s
    proprietary verification system and systems availability of our partners’
    banking system, and may not be available for all transactions.
 2. Annual Percentage Yield (APY) - rates shown are true as of 08/11/2024. See
    Program Agreement for details.
 3. 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 interest-bearing account at
    one or more participating banks (each, a “Program Bank”) that will hold and
    pay interest on the deposit funds. For a complete list of Program Banks,
    please see Appendix 1 of the Program Agreement. 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.
    For customers opted in to receive interest on EUR and GBP balances, 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”).


COMPANY AND TEAM

 * Company and team
 * Press
 * Careers
 * Service status
 * Investor relations
 * Mission roadmap
 * Affiliates and partnerships
 * Help centre
 * Accessibility


WISE PRODUCTS

 * International money transfers
 * Wise account
 * Large amount transfer
 * Receive money
 * Wise Platform
 * Wise Business
 * Mass payments


RESOURCES

 * News and blog
 * Research privacy policy
 * Currency converter
 * International stock ticker
 * Swift/BIC codes
 * IBAN codes
 * Rate alerts
 * Compare exchange rates
 * Invoice generator
 * Business Calculators


FOLLOW US

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© Wise US Inc 2024

Wise is a Money Service Business registered with FinCen. It is authorized to
operate in most states. In other states, the program is sponsored by Community
Federal Savings Bank, to which we’re a service provider.








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