Wise
International money transfer and multi-currency account — send, spend, and get paid globally with low fees.
| What is it | International money transfer and multi-currency account — send, spend, and get paid globally with low fees. |
|---|---|
| Pricing | Paid |
| Free tier | Yes |
| Platform | Web Application |
| API | Yes |
| Works with | Make, n8n |
| Best for | Sending money to family abroad, Paying for goods and services in foreign currencies |
| Domain registered | 1994 |
Data updated Aug. 1, 2026
What does Wise do?
Wise is a financial service that lets you manage money across borders. It provides a multi-currency account where you can hold, convert, send, and receive dozens of different currencies. The core service is international money transfers, which often cost less than traditional banks by using the real exchange rate and charging a clear, upfront fee. You can also get a debit card to spend your balances anywhere in the world without extra foreign transaction fees.
What sets Wise apart is its focus on transparency and cost. The service shows you the exact exchange rate and fee before you confirm a transfer, and it often completes transfers faster than banks. Beyond sending money, you can use Wise to get paid by providing local bank details in countries like the US, UK, and Australia, even if you don't live there. Some regions also offer ways to earn returns on money held in certain currencies.
This tool is most useful for people who regularly deal with multiple currencies. Expats can use it to send money home cheaply. Freelancers and remote workers can easily receive payments from international clients. Frequent travelers can spend abroad without worrying about poor exchange rates or hidden bank fees. It simplifies the financial side of living or working across borders.
Key features
What makes it stand outWho is Wise for?
Who benefits most from this toolPricing
Free tier available — start without a credit cardWise Account
- from 0.47% sending money
- 2% e-wallet topups
- from 0.47% converting money
- from 0.59% stocks annual fee
- 6.11 USD usd wire receiving
- 7 EUR debit card issuance
- 2.39 EUR eur swift receiving
- 2.16 GBP gbp swift receiving
- from 0.26% wise interest annual fee
- 1.75% + 0.50 EUR per withdrawal atm withdrawals over 200 eur
- Send money
- Receive money
- Convert money
- Debit card
- Hold multiple currencies
Trust & presence
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