International business banking for freelancers.

A free account for freelancers to invoice like a local around the world, receive multiple currencies for free, and spend on a global debit card.

New! Get a Business debit card →

TransferWise for Business - customers shown

Receive money like a local

Pay invoices and people abroad

Integrate seamlessly with Xero

Spend with a free debit card

Get paid with zero fees

Invoice your clients in their currency and receive money with no fees.

Get your own UK, Eurozone, Australian, New Zealand, and US bank details for free in minutes — without a local address. Use them to invoices clients or withdraw money from platforms like UpWork and

Get started now →

New! Spend anywhere with no hidden fees.

Use your TransferWise Platinum Business Mastercard® to pay business expenses and spend online or in-store all over the world.

Enjoy all the benefits of a Platinum debit card. And if you don’t have the currency in your account, we’ll automatically convert the amount for you.

Get your account and card today →

This card is issued by TransferWise Australia Pty Ltd. pursuant to license by Mastercard Asia/Pacific Pte. Ltd. For full conditions of use refer to

Account pricing
Create your account Free
Hold 50+ currency balances Free
Receive money in EUR, USD, GBP, PLN, AUD & NZD Free
TransferWise Platinum debit Mastercard® Free
ATM withdrawals up to NZ$350 / month Free
Get paid in EUR, USD, GBP, PLN, AUD & NZD Free
Convert currencies


Spend in a currency in your account Free

Pricing as it should be.

Unlike PayPal and banks, we never inflate exchange rates or charge you to receive international payments.

There are only low, transparent fees to convert currencies, add money, and send money to a bank account.

Learn more about our pricing →

The features freelancers love.

Xero integration
Connect with Xero and your favourite accounting tools.
Learn more →
Open API
Automate payments and workflows with our API.
Explore our docs →
Monthly statements
Download statements for every balance you hold.
Get started today →
Business debit card
Spend and track your expenses in one place.
Order your card →

By the people who made Skype

Richard Branson is a key investor

6 million customers globally

Regulated by the DIA

International payments, 19x cheaper.

Pay invoices and buy inventory with the real exchange rate in over 70 countries — for way 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.

See how we compare to PayPal →

Coverage around the world.

You can send money to 70+ countries, and receive and hold money in 40+ currencies.

You also get your own UK, Eurozone Australia, New Zealand, and US bank details to get paid like a local.

See what currencies we cover →


It's free to set up your TransferWise for Business account.

It's free to get international bank details and free to receive money using your bank details.

There's a cheap, transparent fee to convert between currencies — either in your account or if you spend on your TransferWise Business Mastercard® in a currency you don't have in your account.

When you convert money in your account it's always with the real exchange rate, and you always see our low, transparent fee up front so there's never any surprises. And if you spend on your Business Mastercard in a currency you don't have, it autoconverts the balance with the lowest fee, so you never have to worry.

There's a small fixed fee to withdraw funds from your TransferWise for Business 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.

Learn more about our pricing →

We use the real exchange rate plus a small conversion fee when you convert a balance in your account to a different currency.

A full list of our currencies and pricing is available here →

No. Your client can send you money just like they would for anyone else. It goes right into your TransferWise for Business account just like a normal bank account.

Business without borders.

Open a free account in minutes.

Create your account