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Financial apps › Wise
Wise
Financial apps

Wise

★★★★★ Rate this bank

International transfers and a multi-currency account without hidden fees

Wise (formerly TransferWise) is a financial app enabling low-cost international transfers and a multi-currency account in over 40 currencies. Currency conversion is based on the mid-market rate with no hidden margins, making it ideal for frequent travellers and expats.

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Financial apps
Wise Account Free
Apple Pay ✓
Google Pay ✓

All plans

Wise Account

Free

Multi-currency account with the real exchange rate. Pay only per transfer — no subscription.

  • Real mid-market exchange rate
  • Send money to 80+ countries
  • Hold 40+ currencies simultaneously
  • Receive payments in USD, EUR, GBP and more
  • Low transparent fees — see exactly what you pay
Multi-currency

Plan comparison

Feature
Wise Account
Monthly fee
0 ₴
Transfer fee
From 0.4% (varies by currency)
ATM withdrawals
—
Supported currencies
—
Payment card
—
Balance interest rate
—

Frequently asked questions

What is Wise and what are its advantages? ＋
Wise (formerly TransferWise) is a financial platform enabling cheap international transfers and a multi-currency account. It stands out with transparent fees, the mid-market exchange rate with no hidden spread, and support for over 50 currencies. Ideal for people working abroad or shopping in foreign currencies.
How does the Wise multi-currency account work? ＋
The Wise account lets you hold funds in over 50 currencies simultaneously, receive payments in EUR, GBP, USD, and other currencies like a local bank (with local IBANs), and send and convert money at the mid-market rate with a low, transparent fee.
Is Wise safe? ＋
Yes, Wise is regulated by the FCA in the UK and equivalent bodies in the EU. Customer funds are held separately from Wise's operational funds in safeguarded bank accounts. Wise is not a bank, so deposits are not covered by FSCS or BFG.
What are Wise transfer fees? ＋
Wise fees depend on the currency and transfer amount — typically 0.5–1.5% of the transfer value (plus a small fixed minimum fee). Compared to traditional banks and currency exchanges, Wise is typically 6–8 times cheaper for currency transfers. A cost calculator is available at wise.com.
Does Wise offer a debit card? ＋
Yes, Wise offers a Visa or Mastercard debit card that draws directly from the multi-currency account at the mid-market rate. ATM withdrawals: the first 2 withdrawals per month up to PLN 350 are free; above the limit a fee of PLN 1.50 + 1.75% applies.

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