Everything you need to know about our borderless account pricing. Say bye bye to crazy bank fees for good.
We never, ever inflate the exchange rate.
With the borderless account, you only pay a small fee to convert currencies — either in your account or when paying with your card in a currency you don't have in your account.
It's free to get a borderless account and debit card. It's also free to get your bank details, hold multiple currencies and get paid from over 30 countries.
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| Account pricing | |
|---|---|
| Creating your account | Free |
| TransferWise debit Mastercard® | 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 |
| Convert currencies | 0.35%-2% |
| Fixed fee to send money (varies by currency) | 65p |
| Receive money in EUR, USD, GBP, AUD & NZD | Free |
| Add money to your account | 0%-0.2% |
| Card pricing | |
|---|---|
| TransferWise debit Mastercard® | Free |
| Spend in currencies in your account | Free |
| Convert a currency using your card | 0.35%-2% |
| ATM withdrawal up to £200 / 30 days | Free |
| ATM withdrawal over £200 / 30 days | 2% |
| Spend in rare currencies | Mastercard rate |
| Route | Conversion fee |
|---|---|
| AUD → EUR | 0.45% |
| AUD → GBP | 0.5% |
| AUD → USD | 0.45% |
| CHF → EUR | 0.35% |
| EUR → GBP | 0.3% |
| EUR → INR | 0.45% |
| EUR → USD | 0.35% |
| Route | Conversion fee |
|---|---|
| EUR → AUD | 0.35% |
| GBP → AUD | 0.45% |
| GBP → EUR | 0.35% |
| GBP → INR | 0.55% |
| GBP → USD | 0.4% |
| USD → EUR | 0.6% |
| USD → INR | 0.65% |
When you convert currencies — either within your account, or when you spend on your card — 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
