Send money and make international payments with the real exchange rate in over 70 countries – for up to 9x 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.
Your borderless account comes with international bank details to receive money from around the world for free. That means you'll get:
So anyone in Australia, the UK, the US, New Zealand and any country in the Eurozone can pay the local currency directly into your borderless account, and no-one pays any fees.
You can hold 40+ currencies in your TransferWise borderless account and convert them in seconds – on the move, in the moment, or when the rate is right.
You'll always get the real exchange rate and the low, transparent fees we're known for.
We asked an independent market research agency to compare the cost of sending and receiving NZ$1,000 and other currencies with TransferWise vs. PayPal. Learn more.
|Cost to create account|
|Monthly account fees|
|Receive A$1000 in NZD|
|Receive €1000 in NZD|
|Receive £1000 in NZD|
|Send NZ$1000 to AUD|
|Send NZ$1000 to EUR|
|Send NZ$1000 to GBP|
Get your free account quickly and easily online.
Set up your profile in just a few clicks and upload your ID documents to verify securely. Then start sending and receiving money around the world.
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 40 currencies. This lets you avoid exchange rate movements and prep for future transfers.
New Zealand Dollar
You can use money in your Borderless account to send to any of the currencies on TransferWise.
United Arab Emirates Dirham
Hong Kong Dollar
South Korean Won
Sri Lankan Rupee
New Zealand Dollar
South African Rand
It's free to set up your borderless account.
It's free to get your international bank details and free to receive money using those bank details.
There's a cheap, transparent fee to convert between currencies. You'll always see this upfront, so there's no nasty surprises.
There's a cheap, upfront fee to convert 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.
It's free to add money to your account by bank transfer. There's a small fee for adding money to your account with a credit or debit card.
There's a small fixed fee of 50p / €0.60 to withdraw funds from your borderless 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.
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 4 million customers have trusted us to move their money around the world. We move more than $2 billion every month at TransferWise - and we take the safety and security of your money seriously.