International money transfers and multi‑currency account with mid‑market exchange rates and low fees. Hold 40+ currencies, get a debit card for spending abroad, and use Apple Pay/Google Pay.
Traditional banks overcharge on cross‑border transfers with hidden exchange rate markups. Wise uses the mid‑market rate and charges only a small fixed fee plus a percentage—saving 5–10x compared to banks. Ideal for overseas study or business.
We tested sending $1,000 from a Chinese bank account to a US bank. Wise charged $6.82, and funds arrived in 1 business day. Bank wire would cost $30–50 and take 3–5 days. The rate lock feature protects against currency fluctuations.
Wise is regulated by multiple financial authorities (UK FCA, US FinCEN, etc.) and serves over 16 million users.
Pro tip: Use Wise’s batch payment feature to pay multiple recipients at once—great for payroll or suppliers. First transfer is fee‑free when using a referral link.