TransferWise account and card pricing

Everything you need to know about our account and card pricing. Say bye bye to bank fees for good.

The real exchange rate, always.

We never, ever inflate the exchange rate.

With the TransferWise account, you'll always get the real exchange rate. You only pay a small fee to convert currencies in your account.

It's free to get a TransferWise account and debit card. And there's never any monthly fees and minimum balance to worry about.

Account pricing
Creating your account Free
Hold 40+ currency balances Free
Get a New Zealand account number Free
Get an Australian account and BSB number Free
Get a UK account number and sort code Free
Get a U.S. routing and wiring number Free
Get a European IBAN Free
Convert currencies

0.37%-2.24%

Receive money in EUR, USD, GBP, AUD & NZD Free
Add money to your account

See price checker

Some prices may change from time to time, but we'll always let you know.

Card pricing
TransferWise Platinum debit Mastercard® Free
Spend in currencies in your account Free
Convert a currency using your card

0.37%-2.24%

ATM withdrawals up to NZ$350 / 30 days Free
ATM withdrawals over NZ$350 / 30 days

2%

Spend in rare currencies

Mastercard rate

Low currency conversion fees

When you convert currencies in your account you'll always get the real, mid-market exchange rate. Like the one you see on Google.

The conversion fee depends on the currencies you're converting, but typically, it'll be between 0.35% and 2%. Fees for our most popular currency pairs are in this table. You'll find a full list of currencies in our Support Centre.

Route Conversion fee
NZD → EUR 0.49%
NZD → GBP 0.49%
NZD → USD 0.49%
NZD → AUD 0.49%
Route Conversion fee
NZD → IDR 0.70%
NZD → INR 0.64%
NZD → JPY 0.68%
NZD → SGD 0.50%

For more currency routes visit our help center

See how TransferWise helps travellers and expats save money.

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TransferWise financial regulation

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.

The TransferWise Platinum debit Mastercard® is issued by TransferWise Australia Pty Ltd. pursuant to license by Mastercard Asia/Pacific Pte. Ltd. For full conditions of use refer to transferwise.com/legalstuff. Mastercard is a registered trademark, and the circles design on the card is a trademark of Mastercard International Incorporated.

Bye bye bank fees, hello world.

Get your free account