Account details are a set of details for a currency to receive money.
Once you have your EUR account details, you’ll have your own account number where you can receive euro.
This isn’t a bank account, but you can receive money in the same way by sharing your IBAN with friends, family, clients or companies, so that they can send you money.
They can pay you locally from their European bank, or internationally by Swift. Once you receive the money, it’ll be credited to your EUR balance.
Opening new account details
You’ll first need to open a EUR balance. Then you select Get your account details and follow the steps.
We’ll need to verify you before we can provide details to you.
Checking your account details
To see your details once you’ve got them, on the app or web:
Go on your EUR balance
Select the account details button just under the currency
You can view and copy your local account details to share with others
If you want to get paid internationally by Swift — toggle Global ・ Swift at the top
You can also request payments from your sender.
How your EUR account details work
Here is some general information about your account details.
| Payment Type | Local Payments | Global Payments |
|---|---|---|
| You can receive | Bank transfers in EUR from the Eurozone | Swift in EUR |
| You can't receive | Transfers from European Superannuation Funds | Swift in currencies other than EUR |
| Receiving fees | None | None (correspondent bank fees may apply) |
| Receiving limits | None | None |
| Receiving speed | Up to 2 working days | 4–5 working days |
Payments from inside Europe
Share your local EUR details.
The sender’s bank will give them an estimate when they set up the payment — for any details about how long it takes, reach out to your sender so they can ask their bank.
Payments from outside Europe
Payments by Swift to EUR details
Share your global Swift account details with the person who wants to pay you. They can send Swift payments to your account from anywhere in the world. Keep in mind it's usually cheaper and faster to receive to local account details.
They should only send you EUR to these account details, because we can't process international payments in any other currency.
We don’t charge any additional fees to receive international payments in EUR, but correspondent banks might apply their own fees.
Wise has an entity in Belgium, so we use a Belgian BIC code and a Wise address in Belgium for some of our European currency accounts. You can use the Belgian BIC to receive payments in EUR to your EUR balance.
Some banks may not be able to send payments to your Belgium EUR IBAN. In that case, you can use your GBP account details to receive EUR by Swift.
Payments by Swift to GBP details
You can also receive EUR from outside Europe by Swift into your GBP global account details.
Let the sender know that you want to receive EUR into your GBP details so you can avoid conversion fees. Some banks might recognise the GBP IBAN and want to convert EUR to GBP, but this isn't necessary.
If their bank asks them the country of the recipient’s (your) bank, tell them to select the United Kingdom.
Learn more about using your GBP account details to receive Swift payments