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What fees do you charge?

We charge low, transparent fees for each transfer, and we always tell you about them upfront. That means no hidden fees and no surprises.

To understand the fees for a specific transfer, you can always plug the amount you're sending into our pricing calculator. But if you’d like to learn about our general fee structure when it comes to sending, converting, and spending, read on.

1. Fees for sending money
2. Fees for borderless account
3. Fees for TransferWise debit Mastercard

1. Fees for sending money

We always take fees from the amount you send一 so your recipient won’t pay for your transfer. There are two types of fees for sending money: the TransferWise fee, and a possible extra fee for certain payment methods. The extra fee depends on the currency you're sending.


The TransferWise fee

Our mission is to make sending money internationally as cheap as possible. To do that, we recently rolled out the new TransferWise fee for transfers from GBP, USD, EURAUD, NZD, and other currencies, too.

When sending money from GBP, EUR, and other European currencies, the TransferWise fee varies based on the type of transfer you choose. Read more about the three types of transfers we offer.

The fee for other routes

Eventually, the percentage fee + flat transaction fee structure will be in place for every currency we offer. But until then, some transfers still have a higher percentage fee or a minimum fee instead of the flat transaction fee. You can always use the pricing calculator to see how these fee changes work for your specific transfer.

Here are some examples of the TransferWise fee for different transfers.
Your transfer TransferWise fee
GBP  USD 0.4% + £ 0.80 flat transaction fee
USD  INR 0.65% + $ 1.00 flat transaction fee
DKK  EUR 0.35% + kr 4 flat transaction fee


2. Fees for borderless account

TransferWise borderless accounts are free, with no fees to subscribe, receive money, or get international bank details. There are low, transparent fees for converting currencies in and out of your account.

You can learn all the details on borderless fees here, or read on for an overview.

Converting money

There’s a small fee to convert between currencies that you already hold in your borderless account. Our conversion fees are the same as those for sending money, but without a minimum fee.

You can find a full list of all our conversion fees here.

Withdrawing money to a bank account

Sending money from your personal borderless account is free for most currencies.

Please find our full list of withdrawal fees here.

3. Fees for TransferWise debit Mastercard

There's a lot you can do with your TransferWise debit card for free, and transparent fees for spending in currencies you don't have in your account.

Getting your card

Getting your card and ordering a replacement is free, just sign up and we’ll send one your way.

Spending with your card

  • If you have the currency in your account, it's free!
  • If you don't have the currency in your account, there's a conversion fee, typically between 0.35% - 2.5%.
  • If we don't support the currency, we'll use the Mastercard rate. You can find a list of supported currencies here.

Withdrawing cash from an ATM

Withdrawing money from ATMs is free up to £200 a month, with a 2% fee afterwards.

Learn more


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