This article is a quick overview of the fees for using Wise.
For any of the topics below, check our pricing page to see any specific fees or costs.
Getting started with Wise
It’s always free to open a personal Wise account. For Wise Business accounts, there may be a fee to sign up.
Learn more about fees for using Wise Business
Sending money
The fees for sending money vary depending on how you pay, how much you’re sending, and the exchange rate between the currencies you’re sending to and from.
Learn more about fees for sending money
It's free to send and receive money from one Wise balance to another, as long as they're the same currency — except If your address is in Hungary.
Learn more about fees for sending money from a balance
Holding, adding and converting money in your balances
There are no fees for holding over 40+ currencies in your Wise balances.
Adding
When adding money, it’s free if you send a domestic bank transfer to your Wise account details*. Otherwise, the fee varies depending on how you pay. Learn more about adding money to a balance
Receiving money
When receiving money to your Wise account, it’s free to receive in all currencies with the *exceptions of USD domestic and international wires, and CAD international wires.
Learn more about fees for receiving money
In order to get account details, you’ll need to add money to your account first, but it’s free for personal accounts.
For business accounts, there may be a one-time setup fee to get account details. Learn more about business fees
Some businesses can get paid by card, which has a percentage fee — learn more about it here.
Using the Wise card
It’s free to spend in currencies that you have in your account, or there’s a conversion fee if you don’t have the currency in your account.
There may be a fee to get or replace your card. Withdrawing cash from ATMs is free up to a certain amount.