Pay and get paid around the world with the real exchange rate.

Meet the borderless account — a new kind of multi-currency account with international bank details, 40+ currencies, and the real exchange rate.

See how we're 9x cheaper here

Send money for less.

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.

Receive money for free.

Your borderless account comes with international bank details to receive money from around the world for free. That means you'll get:

  • Australian account number and BSB code
  • British account number and sort code
  • European IBAN
  • US account number and routing number
  • New Zealand account number

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.

Let's get started

Convert currencies with low 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.

See all currencies

Up to 9x cheaper than PayPal.

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.

Compare the costs

Cost to create account
TransferWise $0
PayPal $0
Monthly account fees
TransferWise $0
PayPal $0
Receive A$1000 in NZD
TransferWise A$4.96
PayPal A$34.08
Receive €1000 in NZD
TransferWise €3.80
PayPal €30.71
Receive £1000 in NZD
TransferWise £5.32
PayPal £29.23
Send NZ$1000 to AUD
TransferWise $5.44
PayPal $54.58
Send NZ$1000 to EUR
TransferWise $5.20
PayPal $52.86
Send NZ$1000 to GBP
TransferWise $6.22
PayPal $47.08

Easy online setup.

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.

"

I use it to pay my son’s tuition fees, my mortgage and spending abroad.

Gavin, father & business-owner

Get your borderless account

Coverage.

Get local bank details.

These currencies come with your very own bank details. Anyone can use these to pay you just like they'd pay a local.

British Pound

Get your own Account Number and Sort Code.

Euro

Get your own SWIFT/BIC and IBAN details.

US Dollar

Get your own Routing (ABA) and Account Number.

Australian Dollar

Get your own BSB Code and Account Number.

New Zealand Dollar

Get your own Account Number.


Hold & manage money.

You can hold and manage money in more than 40 currencies. This lets you avoid exchange rate movements and prep for future transfers.

British Pound

Australian Dollar

United Arab Emirates Dirham

Argentine Peso

Bangladeshi Taka

Bulgarian Lev

Swiss Franc

Chilean Peso

Chinese Yuan

Czech Koruna

Danish Krone

Egyptian Pound

Georgian Lari

Hong Kong Dollar

Croatian Kuna

Euro

Canadian Dollar

Hungarian Forint

Indonesian Rupiah

Israeli Shekel

Indian Rupee

Japanese Yen

Kenyan Shilling

Sri Lankan Rupee

Moroccan Dirham

Mexican Peso

Nigerian Naira

Norwegian Krone

Nepalese Rupee

New Zealand Dollar

US Dollar

Peruvian Sol

Philippine Peso

Polish Zloty

Pakistani Rupee

Romanian Leu

Russian Ruble

Swedish Krona

Singapore Dollar

Thai Baht

Turkish Lira

Ukrainian Hryvnia

Vietnamese Dong

South African Rand


Send money to 50+ countries.

You can use money in your Borderless account to send to any of the currencies on TransferWise.

United Arab Emirates Dirham

Argentine Peso

Australian Dollar

Bangladeshi Taka

Bulgarian Lev

Brazilian Real

Canadian Dollar

Swiss Franc

Chilean Peso

Chinese Yuan

Colombian Peso

Czech Koruna

Danish Krone

Egyptian Pound

Euro

British Pound

Georgian Lari

Hong Kong Dollar

Croatian Kuna

Hungarian Forint

Indonesian Rupiah

Israeli Shekel

Indian Rupee

Japanese Yen

Kenyan Shilling

South Korean Won

Sri Lankan Rupee

Moroccan Dirham

Mexican Peso

Malaysian Ringgit

Norwegian Krone

Nigerian Naira

Nepalese Rupee

New Zealand Dollar

Peruvian Sol

Philippine Peso

Pakistani Rupee

Polish Zloty

Romanian Leu

Russian Ruble

Swedish Krona

Singapore Dollar

Thai Baht

Turkish Lira

Ukrainian Hryvnia

US Dollar

Vietnamese Dong

South African Rand

FAQs

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.

Click here to learn more about pricing

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:

  • from NZD to AUD 0.4%
  • from NZD to GBP 0.5%
  • from AUD to NZD 0.5%
  • from EUR to NZD 0.35%

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.

Click here to learn more about pricing

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.

See same currency transfer fee by currency

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.

Welcome to money without borders.

Get started