Open an international business account in minutes.

A business account to send, spend, and receive multiple currencies with the real exchange rate. Do business without borders.

New! Get a Business debit card →

Pay invoices and people abroad

Receive money with low fees

Integrate seamlessly with Xero

Spend with a free debit card

TransferWise works for everyone.

Freelancers, entrepreneurs, or sole traders

Freelancers, entrepreneurs, or sole traders

Get an alternative to a business bank account. Invoice like a local, and avoid fees on platforms like Stripe or Upwork.

Learn more →

Small- to medium-sized businesses

Small- to medium-sized businesses

Open a self-service business account online to send, spend, and receive multiple currencies, and make batch payments.

See how it works →

Large or enterprise level businesses

Large or enterprise level businesses

If your international payment volume is $200K+ a month, contact us about our API. Let's find a solution to help you scale.

Contact us →

International payments, 19x cheaper.

Pay invoices, buy inventory, and handle payroll with the real exchange rate in over 40 currencies — for way cheaper than PayPal.

Send money directly from your own debit card or bank, or make payments from your business account balance. Your recipient doesn't need a TransferWise account to receive their money.

Send money today →

Receive money with zero or low fees.

Get your own UK, Eurozone, Australian, New Zealand, and US bank details for a one-time setup fee in minutes — without a local address. Use them to get paid or withdraw money from platforms like Amazon.

Hold that money in your account for future payments or move it to your bank.

Get started →

New! Spend anywhere with no hidden fees.

Use your TransferWise Platinum Business Mastercard® to pay business expenses and spend online or in-store all over the world.

Enjoy all the benefits of a Platinum debit card. And if you don’t have the currency in your account, we’ll automatically convert the amount for you.

Get your account and card today →

This card is issued by TransferWise Australia Pty Ltd. pursuant to license by Mastercard Asia/Pacific Pte. Ltd. For full conditions of use refer to

Business account that is 19x cheaper than PayPal.

PayPal inflates exchange rates when you send and receive international payments, making it hard to see what you're actually being charged. Here's an honest comparison to show how much you can save with your TransferWise for Business account. Check out the research

Compare the costs

Cost to create account
TransferWise A$0
PayPal A$0
Monthly account fees
TransferWise A$0
PayPal A$0
Receive a A$2,000 payment in USD
TransferWise $0
PayPal $58.52
Receive a A$2,000 payment in GBP
TransferWise £0
PayPal £56.28
Receive a A$2,000 payment in EUR
TransferWise €0
PayPal €68.07
Send or pay A$2,000 to USD
TransferWise A$11.15
PayPal A$91.92
Send or pay A$2,000 to GBP
TransferWise A$10.67
PayPal A$94.77
Send or pay A$2,000 to EUR
TransferWise A$10.14
PayPal A$94.12

The features your business loves.

Xero integration
Connect with Xero and your favourite accounting tools.
Connect now →
Batch payments
Make multiple payments in one go with ease.
Learn more →
Open API
Automate payments and workflows with our API.
Explore our docs →
Add multiple users
Assign roles then manage your account with your team.
Get started →

By the people who made Skype

Richard Branson is a key investor

8 million customers globally

Regulated by ASIC

A powerful open API.

Businesses big and small can access our open API to automate payments, connect business tools, and create beautiful ways to manage finances.

Explore our docs →

Coverage around the world.

You can send money to 70+ countries, and receive and hold 40+ currencies.

You also get your own UK, Eurozone, Australia, New Zealand, and US bank details to get paid like a local.

See what currencies we cover →


It's free to open your TransferWise for Business account. There's a one time setup fee to get your international bank details.

There's a cheap, transparent fee to convert between currencies — either in your account or if you spend on your TransferWise Business Mastercard® in a currency you don't have in your account.

When you convert money in your account it's always with the real exchange rate, and you always see our low, transparent fee up front so there's never any surprises. And if you spend on your Business Mastercard in a currency you don't have, it autoconverts the balance with the lowest fee, so you never have to worry.

There's a small fixed fee to withdraw funds from your TransferWise for Business account to another account in the same currency.

This is the lowest we can charge to cover costs, and we're committed to getting the fee down over time.

Learn more about our pricing →

We use the real exchange rate plus a small conversion fee when you convert a balance in your account to a different currency.

A full list of our currencies and pricing is available here →

No. When you send money with TransferWise for Business it goes directly into your recipient's bank account.

Business without borders.

Open a free business account online in minutes.

Create your account