A multi-currency app for travellers, expats and freelancers.

Spend in any currency, receive money for free and send money with ridiculously low fees — on average 8x cheaper than leading UK banks.

Compare our fees to the banks

TransferWise account and card

Save when you spend in any currency.

To see what you could save, here's the cost of spending £250 in Euros with TransferWise vs. UK high street banks. See how we got this data.

Compare the costs

Send £250 to EUR
TransferWise £1.54
Barclays £7.89
Lloyds £18.73
Santander £23.55
Spend £250 on debit card in EUR
TransferWise 83p
Barclays £15.66
Lloyds £17.43
Santander £16.91
Withdraw £250 / month cash in EUR
TransferWise £1.76
Barclays £17.14
Lloyds £18.40
Santander £20.64
Receive AUD, NZD, EUR, GBP, PLN and USD into your account
TransferWise Free
Barclays N/A
Lloyds N/A
Santander N/A

Data collected by an independent research agency.

Get your free TransferWise debit Mastercard®.

Zero foreign transaction fees
Plus no annual fees and low currency conversion fees.
Our calculator >
Free ATM withdrawals worldwide
Free cash withdrawals up to £200 every 30 days.
Auto-convert any currency
Spend in any currency and our smart tech will auto-convert it with the lowest possible fee.
Easy-to-use app
Add and convert money, get instant notifications, and freeze or unfreeze your card anytime.

Your easy alternative to a bank account abroad.

Send money for less
Save up to 15x compared to the banks when you send money abroad.
Compare >
Convert 50+ currencies
Hold and switch between multiple currencies in seconds with low, transparent fees.
Find currencies >
Open an account in seconds
Sign up and get verified online — without a local address or visiting a branch.
Sign up now >
Get paid like a local
Receive money for free with your own US, UK, EU, Poland, Australia, and New Zealand bank details.
Our coverage >

The TransferWise account in 90 seconds.

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Easy online setup.

Get your free account quickly and easily online.

Just complete your profile and upload your ID documents to verify your account for security. Then start sending and receiving money around the world.

 

I use it to pay my son’s tuition fees, my mortgage and spending abroad.

Gavin, father & business-owner

Get your multi-currency account

Coverage.

Get local bank details.

These currencies come with your very own bank details. Anyone can use these to pay you just like they'd pay a local.

British Pound

Get your own Account Number and Sort Code.

Euro

Get your own SWIFT/BIC and IBAN details.

US Dollar

Get your own Routing (ABA) and Account Number.

Australian Dollar

Get your own BSB Code and Account Number.

New Zealand Dollar

Get your own Account Number.

Polish Zloty

Get your own Account Number.


Hold & manage money.

You can hold and manage money in more than 50 currencies. This lets you avoid exchange rate movements and prep for future transfers.

British Pound

Australian Dollar

United Arab Emirates Dirham

Argentine Peso

Bangladeshi Taka

Bulgarian Lev

Swiss Franc

Chilean Peso

Chinese Yuan

Czech Koruna

Danish Krone

Egyptian Pound

Georgian Lari

Hong Kong Dollar

Croatian Kuna

Hungarian Forint

Euro

Canadian Dollar

Indonesian Rupiah

Israeli Shekel

Indian Rupee

Japanese Yen

Kenyan Shilling

South Korean Won

Sri Lankan Rupee

Moroccan Dirham

Mexican Peso

Malaysian Ringgit

Nigerian Naira

Norwegian Krone

Nepalese Rupee

New Zealand Dollar

US Dollar

Peruvian Sol

Philippine Peso

Polish Zloty

Pakistani Rupee

Romanian Leu

Russian Ruble

Swedish Krona

Singapore Dollar

Thai Baht

Turkish Lira

Ukrainian Hryvnia

Vietnamese Dong

South African Rand


Send money to 50+ countries.

You can use money in your Borderless account to send to any of the currencies on TransferWise.

United Arab Emirates Dirham

Argentine Peso

Australian Dollar

Bangladeshi Taka

Bulgarian Lev

Brazilian Real

Canadian Dollar

Swiss Franc

Chilean Peso

Chinese Yuan

Colombian Peso

Czech Koruna

Danish Krone

Egyptian Pound

Euro

British Pound

Georgian Lari

Hong Kong Dollar

Croatian Kuna

Hungarian Forint

Indonesian Rupiah

Israeli Shekel

Indian Rupee

Japanese Yen

Kenyan Shilling

South Korean Won

Sri Lankan Rupee

Moroccan Dirham

Mexican Peso

Malaysian Ringgit

Norwegian Krone

Nigerian Naira

Nepalese Rupee

New Zealand Dollar

Peruvian Sol

Philippine Peso

Pakistani Rupee

Polish Zloty

Romanian Leu

Russian Ruble

Swedish Krona

Singapore Dollar

Thai Baht

Turkish Lira

Ukrainian Hryvnia

US Dollar

Vietnamese Dong

South African Rand

TransferWise financial regulation

TransferWise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the UK.

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.

FAQs

It's free to set up your TransferWise account.

It's free to get your international bank details and free to receive money using those bank details.

There's a cheap, transparent fee to convert between currencies - either in your account or if you spend on your TransferWise debit 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 debit Mastercard in a currency you don't have, it autoconverts the balance with the lowest fee, so you never have to worry.

Read more about pricing

We charge a fee to convert money between currencies in your account. It varies from currency to currency. We recently changed the way we work out those fees. The easiest way to understand your conversion fees is to visit our price checker.

You'll always see these fees upfront in your account, so there are no nasty surprises. And you're guaranteed the mid-market exchange rate — like the one you see on Google.

Check the latest fees

There's a small fixed fee to withdraw funds from your TransferWise account to another account in the same currency. The fee we charge to send money depends on the currency you're sending from.

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

See same currency transfer fee by currency

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 TransferWise 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.

Bye bye bank fees, hello world.

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