Wise uses the actual mid-market exchange rate (the rate you see on Google or Reuters) without hidden markups, unlike traditional banks that add 3-5% margin.
Users can hold, manage, and convert between 50+ currencies in one account, with local bank details available in 10 currencies for receiving payments.
A physical and virtual debit card that automatically uses the correct currency balance when spending abroad or online, with no foreign transaction fees.
Wise shows all fees upfront before any transaction, breaking down exactly what you'll pay with no hidden charges or surprise fees later.
Most transfers arrive within hours or same day, with some currency routes offering instant transfers, compared to traditional bank wires that take 3-5 business days.
REST API allows businesses to automate international payments, balance checks, and currency conversions, with integrations for accounting software like Xero and QuickBooks.
Freelancers and remote workers use Wise to receive payments from international clients by providing local bank details in the client's currency. This avoids expensive wire transfer fees and poor exchange rates from traditional banks. The funds arrive quickly and can be converted to local currency at the real exchange rate or held in multiple currencies for future needs.
Small businesses importing goods or services use Wise to pay international suppliers with transparent fees and real exchange rates. The batch payment feature allows paying multiple suppliers at once, while accounting integrations automatically sync transactions with bookkeeping software. This reduces international payment costs by 3-5x compared to traditional bank wires.
Expatriates working abroad use Wise to send money to family in their home country regularly. Scheduled transfers automate recurring remittances, while the low fees and good exchange rates maximize the amount received. The mobile app makes it easy to send money quickly when needed, with tracking notifications providing peace of mind.
International travelers use the Wise debit card and multi-currency account to spend abroad without foreign transaction fees. They can pre-load currencies before trips and automatically use the local balance when spending. The card works like a local card in each country, with competitive exchange rates for any needed currency conversions.
E-commerce sellers on platforms like Amazon, eBay, or Etsy use Wise to receive payments from international marketplaces in local currencies. By providing local bank details for each marketplace's currency, they avoid conversion fees charged by the platforms and get better exchange rates when converting to their home currency.
International students use Wise to pay tuition fees to universities abroad, often saving significant amounts compared to bank wire transfers. The transparent fee structure helps budget accurately, while the ability to track transfers provides assurance that critical payments arrive on time for registration deadlines.
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