Borderless account pricing

Everything you need to know about our borderless account pricing. Say bye bye to bank fees for good.

Get the real exchange rate, always.

We never, ever inflate the exchange rate.

There's a small fee to convert currencies — either in your account, or when you pay with your TransferWise debit Mastercard® in a currency that you're not holding in your account.

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

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

Account pricing
Creating your account Free
Hold 40+ currency balances Free
Get a UK account number and sort code Free
Get a U.S. routing and wiring number Free
Get a European IBAN Free
Get an Australian account and BSB number Free
Get a New Zealand account number Free
Convert currencies


Fixed fee to send money (varies by currency)


Receive money in EUR, USD, GBP, AUD & NZD Free
Add money to your account

See price checker

Card pricing
Spend in currencies in your account Free
Convert a currency using your card


ATM withdrawals up to £200 / 30 days Free
ATM withdrawals over £200 / 30 days


Spend in rare currencies

Mastercard rate

TransferWise compared to a bank

Every time you pay in another currency, or move money abroad with your bank, you could be ripped off by overseas charges and inflated exchange rates. TransferWise isn't a bank. So here’s how we compare when you spend abroad:

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

Data collected by an independent research agency.

Route Conversion fee
AUD → EUR 0.47%
AUD → GBP 0.47%
AUD → USD 0.47%
CHF → EUR 0.35%
EUR → GBP 0.41%
EUR → INR 0.56%
EUR → USD 0.41%
Route Conversion fee
EUR → AUD 0.41%
GBP → AUD 0.37%
GBP → EUR 0.37%
GBP → INR 0.52%
GBP → USD 0.37%
USD → EUR 0.45%
USD → INR 0.60%

Low currency conversion fees

When you convert currencies — either within your account, or when you spend on your Mastercard — you'll always get the real, mid-market exchange rate. Like the one you see on Google.

If you're spending on your card in a currency you don't have in your account, we'll automatically convert the balance with the lowest fee, so you never have to worry.

The conversion fee depends on the currencies you're converting, but typically, it'll be between 0.35% and 2%. Fees for our most popular currency pairs are in this table. You'll find a full list of currencies in our Support Centre.

For more currency routes visit our help center


For expats like me this is a total game-changer.

Sophie, British living in Sydney

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TransferWise financial regulation

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.

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.

Bye bye bank fees, hello world.

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