What is an international money transfer?

An international money transfer is a way to make payments from your bank account to another bank account in a different country. Sending international money transfers with a traditional bank can be expensive though — it can be much cheaper with Wise.

How long does an international money transfer take?

For popular currencies, Wise can send your money within one day — or even within seconds. Sometimes, payment methods or routine checks can affect the transfer delivery time. We’ll always keep you updated, and you can track your transfer in your account.

How do I send an international money transfer?

Sign up for free online or using our app. All you need is an email address, or a Google or Facebook account. Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive. Add your recipient’s bank details. If you don’t know their details, we can request them for you. Verify your identity. For some currencies, or for large transfers, we’ll need to verify you — we usually just need a photo ID. This helps us keep your money safe. Pay for your transfer with a debit or credit card, or bank transfer. That’s it. You can track your transfer in your account, and we'll tell your recipient the money is on its way.

What’s the best way to send money abroad?

Choosing how you want to send money with Wise largely depends on your payment method. Some are faster than others, and some may be slower but cheaper.

How is Wise regulated?

Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the United Kingdom.

How much can I send abroad? Are there limits to how much I can send?

Yes, there are limits to how much you can send with us. They depend on the currencies you’re sending to and from, and how you pay. You can check the limits for each currency on our Help Centre , or by using our calculator . We’ll also let you know if you try to send too much at one time.

How do I know the money will get there?

We follow a strict set of rules set by regulatory agencies in every country we operate in, so you can feel assured that we’ll send the money to exactly where you’ve told us to send it. You can check what recipient details you entered by downloading a transfer receipt.

How will the money be received?

When you send an international money transfer, we’ll simply deposit the money into your recipient’s bank account — unless you’ve selected a method where this works differently, like Interac for CAD, for example.

How can I avoid a wire transfer fee?

You can avoid a wire transfer fee by selecting a different payment method — like ACH bank debit, credit or debit card. Keep in mind, these payment methods have lower limits. So if you want to send a large amount, you’ll need to send multiple smaller transfers.

What documents do I need to send an international money transfer?

Because Wise is a regulated financial institution, we need to know who our customers are. It helps us combat money laundering, and keep everyone’s money safe. So depending on multiple factors, we can ask for identifying documents at any time. Typically, we’ll ask for a photo ID and/or proof of address — but sometimes we’ll ask for other information.

International money transfers

Join over 12.8 million people sending money abroad — with fees as low as 0.1%.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (30h)

You send exactly

Sending over 20,000 GBP or equivalent? We'll discount our fee

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 SEK
Our fee
28.60 SEK

Total included fees (1.43%)
28.60 SEK

You could save up to 125.79 SEK

Should arrive by Wednesday, 7 May

International money transfers

Join over 12.8 million people sending money abroad — with fees as low as 0.1%.

Low fees — fees get cheaper the more you send
Lightning fast — money typically arrives in seconds
Perfectly predictable — lock in an exchange rate for up to 48 hours

Open an account

Rate guaranteed (30h)

You send exactly

Sending over 20,000 GBP or equivalent? We'll discount our fee

Recipient gets

Paying with

Bank transfer

Bank transfer fee
0 SEK
Our fee
28.60 SEK

Total included fees (1.43%)
28.60 SEK

You could save up to 125.79 SEK

Should arrive by Wednesday, 7 May

See how much it costs to send money abroad

The total cost of a transfer is the fee plus exchange rate. If your provider says there’s no fee, check their exchange rate against the one Wise offers. You might be paying more than you think.

Send money now

Sending 2,000 SEK with	Recipient gets(Total after fees)
	29,331 JPY
Transfer fee 28.60 SEK Exchange rate(1 SEK JPY) 14.8782 Exchange rate markup 0 SEK Cost of transfer 28.60 SEK

	27,984 JPY- 1,347 JPY
Transfer fee 69.90 SEK Exchange rate(1 SEK JPY) 14.4988 Exchange rate markup 51.00 SEK Cost of transfer 120.90 SEK

	27,571 JPY- 1,760 JPY
Transfer fee 39.99 SEK Exchange rate(1 SEK JPY) 14.0666 Exchange rate markup 109.10 SEK Cost of transfer 149.09 SEK

	27,459 JPY- 1,872 JPY
Transfer fee 150 SEK Exchange rate(1 SEK JPY) 14.8429 Exchange rate markup 4.74 SEK Cost of transfer 154.74 SEK

This applies when you pay in via bank transfer. How do we collect this data?

Amount

From

	Wise	Remitly	PayPal	Swedbank AB
Recipient gets (Total after fees)	29,331 JPY	27,984 JPY	27,571 JPY	27,459 JPY
Exchange rate markup	0 SEK	51.00 SEK	109.10 SEK	4.74 SEK
Exchange rate (1 SEKJPY)	14.8782	14.4988	14.0666	14.8429
Transfer fee	28.60 SEK	69.90 SEK	39.99 SEK	150 SEK
Total transfer cost	28.60 SEK	120.90 SEK	149.09 SEK	154.74 SEK

Show more providers

This applies when you pay in via bank transfer. How do we collect this data?

We’re regulated in every available region
We help 12.8 million customers move £30bn every quarter, worldwide
Your transactions are extra-secure with our 2-factor authentication

How to send money internationally from India

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.

Pay by bank transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

How to send money internationally from India

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.

Pay by bank transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

How to send money internationally from India

Open a free account today in minutes. Then set up your first transfer in 3 easy steps.

Send to bank accounts around the world. Your recipient doesn't need Wise to receive money. Just enter bank details like you would a domestic transfer.
If your recipient has Wise, you can look them up on our network and send to them in seconds.

Enter the amount you want to send. Check out the fees — and see exactly how much you’ll get on the other side.

Pay by bank transfer, card, or using money already in your Wise account. Once we get the money, we’ll convert it and send it to your recipient.
Depending on how you pay, this usually takes seconds.

Send money now

Get fees as low as 0.1% on large transfers

Buying property, retiring abroad, making investments? We’re here to support with life-changing money moves.

Earn discounts when you send over 20,000 GBP.
Get dedicated support from a team of specialists in large transfers.

How we keep your money safe

Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

How we keep your money safe

Rock-solid technology
Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
People who care, 24/7
With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
Your money, not ours
Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

Best ways to send money internationally with WISE

The best way to send Swedish krona to Japanese yen is from a Wise balance. It’s cheapest and usually arrives in seconds. Bank transfers are also cheap, but can be slower.

Bank Transfer
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.
Google Pay
Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Apple Pay
Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Debit Card
Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process. Read more about how to pay for your money transfer with a debit card.
Credit card
Credit card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards. Read more about how to pay for your money transfer with a credit card.
Trustly
Trustly
Trustly is an online bank payment method. With Trustly, you can send money to Wise without leaving our site or app. It's a simple and convenient way to pay in EUR, PLN, SEK, and DKK.

Cheapest way to send money abroad from India

The cheapest way to send 2,000 SEK to JPY is from a Wise balance and costs 24.85 SEK. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

SEK

JPY

Sending 2,000 SEK	Transfer cost
Bank transfer	28.60 SEK

Google Pay	54.34 SEK

Apple pay	54.34 SEK

Debit card	98.68 SEK

Credit card	44.99 SEK

Trustly	43.32 SEK

Fastest way to send money abroad from India

Sending money with Wise is super fast: 60% of transfers arrive in under 20 seconds, and 95% in less than a day. How long it takes depends on how you pay.

SEK

JPY

Sending 2,000 SEK	Should arrive
Bank transfer	by Wednesday, 7 May

Google Pay	by Friday

Apple pay	by Friday

Debit card	by Friday

Credit card	by Friday

Trustly	by Friday

Send money from India with the Wise app

Looking for an international money transfer app? Send money on the go with Wise.

Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.

Download Wise

Send money from India with the Wise app

Looking for an international money transfer app? Send money on the go with Wise.

Cheap transfers abroad
Free from hidden fees, you’ll always get the mid-market exchange rate with Wise.
Track exchange rates
Save your favourite currencies to check how the exchange rate changes over time.
Real-time notifications
Know exactly what you’ve spent, as soon as you spend it.

Download Wise

Frequently asked questions

See where Wise works

Send money
Account details
Hold and convert money

International money transfers

International money transfers

See how much it costs to send money abroad

How to send money internationally from India

1. Choose where the money's going

2. Choose how much to send

3. Choose how to pay

How to send money internationally from India

1. Choose where the money's going

2. Choose how much to send

3. Choose how to pay

How to send money internationally from India

1. Choose where the money's going

2. Choose how much to send

3. Choose how to pay

Get fees as low as 0.1% on large transfers

How we keep your money safe

Best ways to send money internationally with WISE

How to receive money

Wise account

Wise account

Cheapest way to send money abroad from India

Fastest way to send money abroad from India

Send money from India with the Wise app

Cheap transfers abroad

Track exchange rates

Real-time notifications

Send money from India with the Wise app

Cheap transfers abroad

Track exchange rates

Real-time notifications

4.3 / 5 on Trustpilot from 256,852 reviews

Frequently asked questions

What is an international money transfer?

How long does an international money transfer take?

How do I send an international money transfer?

What’s the best way to send money abroad?

How is Wise regulated?

How much can I send abroad? Are there limits to how much I can send?

How do I know the money will get there?

How will the money be received?

How can I avoid a wire transfer fee?

What documents do I need to send an international money transfer?

See where Wise works