Borderless account pricing

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

The real exchange rate, always.

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.


Account pricing
Create your account Free
TransferWise debit Mastercard® Free
Hold 50+ currency balances Free
Get a UK account number and sort code Free
Get a U.S. account and routing number Free
Get a European IBAN Free
Get an Australian account and BSB number Free
Convert currencies


Fixed fee to send money (varies by currency)


Receive money in EUR, GBP, AUD, NZD, RON, HUF & SGD Free
Add money to your account


Card pricing
TransferWise debit Mastercard® Free
Spend in currencies in your account Free
Convert a currency using your card


ATM withdrawals up to £200 / month Free
ATM withdrawals over £200 / month


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%

Low currency conversion fees

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


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

Sophie, British living in Sydney

Bye bye bank fees, hello world.

Go to your account