Spend in any currency worldwide, receive money for free, and convert currencies with low fees with your own foreign currency account - up to 6x cheaper than leading banks in New Zealand.
An independent researcher compared TransferWise to the banks in New Zealand. They found that we're up to 6x cheaper for sending, spending and withdrawing money abroad.
|Monthly account fees|
|Send $250 to USD|
|Spend $250 on debit card in USD|
|Withdraw $250 cash / month in USD|
Send money around the world, and avoid the unfair exchange rates set by banks. With TransferWise, you’ll always get a great deal.
Get paid with your own bank details. Anyone can use them to pay you like a local. You can hold more than 50 currencies at once, and convert between them in seconds.
And with your own debit Mastercard®, you can spend in the local currency — wherever you are. It's accepted anywhere that takes Mastercard.
Join millions who get a great exchange rate, and the low fees we’re known for.
Manage your international money at the real exchange rate, right from your phone. And you’ll get international bank details to receive multiple currencies for free:
More countries coming soon.
Get your foreign currency account for free.
And with your bank details for holding multiple currencies at once, it’s easy to get paid from all over the world. You'll never pay any fees for receiving money.
|Create your account||Free|
|TransferWise Platinum debit Mastercard®||
|Hold 50+ currency balances||Free|
|Receive money in EUR, USD, GBP, AUD & NZD||Free|
|ATM withdrawals up to NZ$350 / month||Free|
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.
These currencies come with your very own bank details. Anyone can use these to pay you just like they'd pay a local.
Get your own Account Number and Sort Code.
Get your own SWIFT/BIC and IBAN details.
Get your own Routing (ABA) and Account Number.
Get your own BSB Code and Account Number.
Get your own Account Number.
You can hold and manage money in more than 50 currencies. This lets you avoid exchange rate movements and prep for future transfers.
South Korean Won
You can use money in your multi-currency account to send to any of the currencies on TransferWise.
United Arab Emirates Dirham
Costa Rican Colón
Hong Kong Dollar
South Korean Won
Sri Lankan Rupee
New Zealand Dollar
West African CFA Franc
South African Rand
If you already have a TransferWise account, just log in and order your card online or in the app. If you don’t have an account, it’s free and easy to get started. We'll ask you for some basic information to verify your account. Once you are verified, complete your card order and we will update you as soon as your card is on its way.
You can spend on your TransferWise Platinum debit Mastercard® in 150+ currencies around the world. Use instore, online and withdraw local currency at millions of locations, everywhere Mastercard is accepted.
You can hold and manage money in your TransferWise balances in 50+ currencies for free, and convert between them whenever you want. You can use the money in your account to spend and send in multiple currencies. See a list of currencies we support here.
Apple Pay, Google Pay and Samsung Pay coming soon.
It's free to set up your account.
It's free to get your international bank details, free to receive money using those bank details, and free to spend on your card abroad.
There's a cheap, transparent fee to convert between currencies. You'll always see this upfront, so there's no nasty surprises.
If you have a currency in your account, it's free to spend on your card in that currency.
You can convert between currencies in your account in seconds. You’ll always get the mid-market rate, like you see on Google. If you spend in a currency you don’t hold a balance in, our smart tech automatically converts your money at the best price. So you never have to worry.
We do charge a small, upfront fee to convert money between currencies in your account. It depends on the currencies you're converting, but here are a few examples:
You'll always see these fees upfront, so there are no nasty surprises. And you're guaranteed the mid-market exchange rate — like the one you see on Google.
TransferWise operates as a foreign entity and is supervised by the Department of Internal Affairs (DIA).
All money in your TransferWise Borderless Account is stored and safeguarded securely in our bank accounts in New Zealand, Australia, the UK or USA depending on the country of residence in your profile.
Over 5 million customers have trusted us to move their money around the world. We move more than $5 billion every month at TransferWise - and we take the safety and security of your money seriously.
Once you have signed up for the debit card in your TransferWise account, the card will be sent to your registered address within 14-18 business days.
Sorry, we don't ship overseas right now. At the moment, we only ship to address provided by you at the time of card sign-up. If you'd like to update your card mailing address, please get in touch with our support team.
Once you've got your card, you'll need to activate it before you can use it. To activate your card:
Go to your TransferWise account. If you're on the website, go to Debit card. If you're on the app, go to Account, then click the card icon at the top of the screen.
Enter the 6-digit code that's on the card below your name.
Now that your card is activated, you'll be able to make payments.
To activate contactless, buy something with chip or PIN and select "credit" on the terminal.
To keep your money safe, you’ll need a four-digit PIN to withdraw cash at ATMs and to make chip and PIN payments using your TransferWise card.
When you activate your TransferWise card, we’ll share your PIN with you. If you forget it, you can always check it in the TransferWise app. We do not support PIN change at the moment - don't worry, your PIN is safe and only you have access to it.
When withdrawing cash from an ATM, please always select the "credit" option on the ATM screen. The money will be withdrawn from your TransferWise account. You can use the TransferWise card at all ATMs with Mastercard®, Maestro or Cirrus logo.