Pay invoices and people abroad
Receive money with no fees
Automate work with our API
Integrate seamlessly with Xero
Get your own UK, Eurozone, Australian, New Zealand, and US bank details for free in minutes — without a local address. Use them to receive money from platforms like Amazon and Stripe.
Hold that money in your account for future payments or move it to your bank.
Pay invoices, buy inventory, and handle payroll with the real exchange rate in over 70 countries — for way cheaper than PayPal.
Send money directly from your own debit card or bank, or make payments from your account balance. Your recipient doesn't need a TransferWise account to receive their money.
Unlike PayPal and banks, we never inflate exchange rates or charge you to receive international payments.
There are only low, transparent fees to convert currencies, add money, and send money to a bank account.
|Creating your account||Free|
|Hold 40+ currency balances||Free|
|Receive money in EUR, USD, GBP, PLN, AUD & NZD||Free|
|Add money with Direct debit||
By the people who made Skype
Richard Branson is a key investor
6 million customers globally
Authorised by the FCA
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.
It's free to set up your TransferWise for Business account.
It's free to get international bank details and free to receive money using your 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.
TransferWise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the UK.
This means we're required by law to keep your money safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo.
These accounts are reserved for customer money, this means your money is kept in a separate account from the money we use to run the business.
In the unlikely event TransferWise ceased to exist, your money would be paid back from this account, ie from Barclays or Wells Fargo, however it is not covered by the Financial Services Compensation Scheme (FSCS) and therefore is deposited at your own risk. You also cannot earn interest on the money in your borderless account.
Millions of customers trust TransferWise with their money. We move over £1 billion every month, and we take the safety and security of your money seriously.
The TransferWise debit Mastercard is issued by TransferWise Ltd under license by Mastercard International Inc. Mastercard is a registered trademark, and the circles design on the card is a trademark of Mastercard International Incorporated. TransferWise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.
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.
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.
Open a free account in minutes.