Wise
An international account for sending, holding, converting and spending money in multiple c
Wise is a multi-currency account and international money transfer service for individuals and businesses. It lets customers hold balances in many currencies, receive local account details, send money abroad, convert between currencies, and spend or withdraw using a debit card. Transfer fees are disclosed before payment, and the mid-market exchange rate is used for conversions.
Key features include international transfers, currency conversion, local account details in 22 currencies, a multi-currency debit card usable worldwide, and Wise Assets for earning a variable return on balances. Wise Business supports payments and money management across 40+ currencies. Wise Platform provides payment infrastructure for banks, financial institutions, and enterprises, connecting via Swift or API with access to domestic payment systems in several markets. Security features include safeguarded funds, two-step authentication, biometrics, card freezing, and real-time notifications.
Wise is available to personal and business customers, with a free account option and no subscription fees for holding money or using the card. Transfer and conversion fees vary by currency, with volume discounts available for larger amounts. Wise Platform is packaged for institutional and enterprise integration rather than individual use.
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