TransferWise: send, receive & spend money globally

Send money internationally with TransferWise: send, receive & spend money globally — the trusted platform used by 16 million+ customers worldwide. Move funds across 145+ countries in 45+ currencies with transparent mid-market exchange rates and minimal fees, making cross-border payments faster and cheaper than traditional banks.

International money transfers have never been simpler. Send money to over 70 countries at the real exchange rate, with no hidden markups. Over 65% of transfers arrive instantly — in under 20 seconds — while all transactions are protected by two-factor authentication, encryption, and biometric security. Whether you're supporting family abroad, paying international invoices, or managing global business operations, you get speed and security in one seamless experience.

Spend and withdraw cash anywhere with the Multi-Currency Card. Access over 160 countries and auto-convert between currencies on demand, always getting the best available rate. Freeze or unfreeze your card instantly, manage digital card details, and maintain complete control from your phone. No more fumbling with currency exchanges at unfamiliar ATMs — your card handles it all intelligently.

Get paid internationally like a local. Hold your own UK account number and sort code, European IBAN, Australian account details, and similar local identifiers in other regions — without needing physical bank accounts. Receive payments in multiple currencies for free and set up direct debits with ease. Instant push notifications keep you informed of every transaction, so you're always in the loop.

Hold and convert 40+ currencies with zero monthly or maintenance fees in most cases. Switch between currencies at mid-market rates for a super-low fee, or use Rate Alerts to auto-convert at specific exchange thresholds. Manage your global finances with flexibility and transparency.

For businesses, Wise offers a better global account. Pay invoices and bills faster at real exchange rates, receive payments from clients worldwide using your local account details, and connect to platforms like Amazon, Stripe, and Xero for seamless integration. Scale internationally without the complexity.

Wise is regulated by local financial authorities worldwide and operates as a Money Service Business registered with FinCen. The Multi-Currency Card is issued by sponsor banks and members of the FDIC, with Visa® licensing. Whether you're an individual sending remittances, a freelancer receiving international payments, or a growing business, TransferWise: send, receive & spend money globally gives you the tools to thrive across borders.