New! The TransferWise debit Mastercard.

Everything you need to know about the TransferWise debit card and borderless account.

See how we're 8x cheaper than the banks

Borderless account with TransferWise debit card

TransferWise debit Mastercard®

The TransferWise borderless account comes with a debit card. It lets you spend anywhere in the world at the real exchange rate. You'll get low conversion fees, and zero transaction fees.

  • Free to pay with currencies in your account
  • Free ATM withdrawals up to £200 a month
  • Only pay a small conversion fee when you convert your money — typically between 0.35% and 1%
  • Automatically convert your money at the real exchange rate
  • Read more about pricing

Get paid from 30+ countries.

Get instant international bank details to receive money from over 30 countries, without paying any fees. You'll get:

  • Australian account number and BSB code
  • British account number and sort code
  • European IBAN
  • US account number and routing number

Use these personal bank details to receive money from Australia, the US, the UK, and any country in the Eurozone. For free.

Get started

Hold money in 40+ currencies.

Hold over 40 currencies in your account and switch between them in seconds — on the move, in the moment, or just when the rate is right.

You'll always get the real exchange rate and the low, transparent fees we're known for.

See all currencies

Up to 8x cheaper than high street banks

We asked an independent research agency to compare the borderless account to 21 banks worldwide. Here's how we compare to UK current accounts for managing your money in Europe.

Compare the costs

Cost to create account
TransferWise Free
Barclays Free
Lloyds Free
NatWest Free
Send £200 to EUR
TransferWise 70p
Barclays £5.50
Lloyds £15.91
NatWest £14.45
Spend £200 on debit card in EUR
TransferWise 70p
Barclays £7.66
Lloyds £8.64
NatWest £7.66
Withdraw £200 / month cash in EUR
TransferWise £0
Barclays £9.16
Lloyds £9.64
NatWest £11.66
Receive £200 or equivalent in AUD, EUR, GBP or USD
TransferWise Free
Barclays EUR-only
Lloyds Not possible
NatWest Not possible

Data collected by an independent research agency. Learn more

Account pricing Card pricing (available in Europe)
Creating your account Free
Hold 40+ currency balances Free
Add money from non-U.S. bank account Free
Get IBANs & International bank details Free
Receive money in AUD, EUR, GBP & USD Free
Spend in currencies in your account

0.35 - 1%

Fixed fee to send money (varies by currency)

50p / €0.60

It's free to open your account.

It's free to get a borderless account and debit card — though cards are only available to customers in Europe at the moment.

It's also free to get your bank details, hold multiple currencies, and get paid from over 30 countries.

Read more about pricing.

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.


Hold & manage money.

You can hold and manage money in more than 40 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

Euro

Canadian Dollar

Hungarian Forint

Indonesian Rupiah

Israeli Shekel

Indian Rupee

Japanese Yen

Kenyan Shilling

Sri Lankan Rupee

Moroccan Dirham

Mexican Peso

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