When receiving money to your Wise account, most payment types are free to receive with a few exceptions.
Check all the latest fees for receiving money here
Does it cost extra to receive large amounts?
No, most currencies are already free to receive, but if we do charge a fee, the fees are fixed, regardless of how much you were sent.
Learn more about receiving large amounts
USD
There are no fees to receive ACH payments (also known as direct deposit or electronic money transfers).
There’s a fixed fee of 6.11 USD to receive USD via domestic wire or Swift.
When you receive a wire transfer to your account details, we’ll take 6.11 USD off the amount received from the sender. For example, if you’re sent 1,000 USD by wire, we’ll take off 6.11 USD and add 993.89 USD to your USD account.
Learn more about receiving using your USD account details
CAD
There are no fees to receive EFT payments (also known as direct deposit or electronic fund transfers).
There’s a fixed fee of 10 CAD to receive CAD via Swift.
Learn more about receiving using your CAD account details
Other fees
The sender’s bank may charge fees before it reaches us, so it might be worth getting the sender to check with them.
Payments sent via Swift might get charged Swift correspondent fees before the payment reaches us.
Find more info on fees for holding, receiving, and spending money