International business banking for freelancers.

A free account for freelancers to invoice like a local around the world, receive multiple currencies for free, and spend on a global debit card.

Now 19x cheaper than PayPal →

TransferWise for Business - customers and balances shown on screen

Pay invoices and people abroad

Receive money like a local

Integrate seamlessly with Xero

Spend with a free debit card

Get paid with zero fees.

Invoice your clients in their currency and receive money with no fees.

Get your own US, Eurozone, Australian, New Zealand, and UK bank details for free in minutes — without a local address. Use them to invoice clients or withdraw money from platforms like UpWork and Freelancer.com.

Get started now →

Spend anywhere with no hidden fees.

Use your TransferWise Business Mastercard® to pay business expenses and spend online or in-store all over the world.

If you don’t have the currency in your account, we’ll automatically convert the amount for you.

Get my account and card today →

The features freelancers love.

Xero integration
Connect with Xero and your favourite accounting tools.
Learn more →
Open API
Automate payments and workflows with our API.
Explore our docs →
Monthly statements
Download statements for every balance you hold.
Get started today →
Business Mastercard
Spend and track your expenses in one place.
Order your card →

By the people who made Skype

Richard Branson is a key investor

6 million customers globally

Authorised by the FCA

International payments, 19x cheaper.

Pay invoices and buy inventory with the real exchange rate in over 70 countries — for way cheaper than PayPal.

Send money directly from your own debit card or bank, or make payments from your account balance. Your recipient doesn't need a TransferWise account to receive their money.

See how we compare to PayPal →

Coverage around the world.

You can send money to 70+ countries, and receive and hold 40+ currencies.

You also get your own Eurozone, US, Australia, New Zealand, and UK bank details to get paid like a local.

See what currencies we cover →

FAQs

It's free to set up your TransferWise for Business account.

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

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

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 borderless account.

Millions of customers trust TransferWise with their money. We move billions 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.

There's a small fixed fee to withdraw funds from your TransferWise for Business account to another account in the same currency.

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

Learn more about our pricing →

We use the real exchange rate plus a small conversion fee when you convert a balance in your account to a different currency.

A full list of our currencies and pricing is available here →

No. Your client can send you money just like they would for anyone else. It goes right into your TransferWise for Business account just like a normal bank account.

Business without borders.

Open a free account in minutes.

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