A free multi-currency account 7x cheaper than the banks.

One multi-currency account to spend anywhere, hold and convert 40+ currencies, and withdraw cash for free — all at the real exchange rate.

See how we're 7x cheaper →

Borderless balance

Compare TransferWise to banks.

An independent researcher compared TransferWise to the big banks and travel cards in Singapore. They found that we're up to 7x cheaper for sending, spending, and withdrawing overseas. Siao ah?

Compare the costs

Hold 40+ currencies incl. MYR & THB
TransferWise Yes
HSBC No
Citibank No
DBS No
YouTrip No
Withdraw $250/month in Malaysia
TransferWise $1.69
HSBC $14.25
Citibank $13.25
DBS $23.50
YouTrip $5
Spend $250 in Malaysia (MYR)
TransferWise $1.69
HSBC $6.25
Citibank $6.25
DBS $8.25
YouTrip No data
Withdraw $250/month in Europe (EUR)
TransferWise $1.08
HSBC $9.98
Citibank $11.18
DBS $9.26
YouTrip $5.80
Spend $250 in Europe (EUR)
TransferWise $1.08
HSBC $1.98
Citibank $4.18
DBS $2.26
YouTrip $0.88
Send $1,000 to EUR
TransferWise $4.86
HSBC $41.21
Citibank $46.76
DBS $9.06
YouTrip No

What is the TransferWise multi-currency account?

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 40 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.

Open multi-currency account

Get your free Platinum debit Mastercard.

Withdraw from overseas ATMs for free
Take out S$350 every 30 days — anywhere that accepts Mastercard.
Pay zero foreign transaction fees
Plus no annual fees and low currency conversion fees.
Convert 40+ currencies, including MYR and THB
Hold and switch currencies in seconds with low fees.
Check currencies >
Enjoy 10% off on Agoda.com
Pay with your TransferWise card and get an extra 10% off your next trip.
How it works >

See how TransferWise helps Singaporeans and expats save money.

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Buy online from overseas with no foreign transaction fees.

From Alibaba and Amazon, shop online in different currencies — with rates as kiasu as you.

TransferWise auto-converts your money at the mid-market rate — with the low transparent fees we're known for. No sneaky markups, no hidden fees.

Join thousands already using the TransferWise debit Mastercard to save on Alibaba, Amazon, Qoo10, Grab and more.

Sign up in minutes.

Create an account quickly

Create an account quickly

Sign up for your TransferWise account online or download the app to get your free card — then sit tight until the mail comes in the next 2-3 days.

Set up your card seamlessly

Set up your card seamlessly

Once your card arrives, activate it online or in the app and get your PIN. To activate contactless, buy something with chip and PIN.

Spend and save anywhere

Spend and save anywhere

Enjoy zero foreign transaction fees every time you spend. And withdraw up to S$350 for free every 30 days — anywhere that accepts Mastercard.

The perfect account for your international lifestyle.

Get paid from 30 countries
Receive money for free with your own US, UK, EU, Australia and New Zealand bank details.
Find out more >
Convert currencies anytime
Hold and convert MYR, THB and over 40 currencies in seconds.
Find currencies >
Send money overseas for less
Save up to 12x compared to the banks when you send money abroad.
Open an account in minutes
Sign up and get verified online — without a local address or visiting a bank.
Sign up now >

Get paid like a local, worldwide.

Receive money for free from 30+ countries with your TransferWise account. With no receiving fees, it's like having your own accounts in multiple different countries. You get:

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

Singapore and more countries coming soon.

Get your free account →

It's free to open your multi-currency account.

Get your foreign currency account and debit card now 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.

More details on pricing →

Account pricing
Creating your account Free
TransferWise Platinum debit Mastercard® Free
Hold 40+ currency balances Free
Receive money in EUR, USD, GBP, PLN, AUD & NZD Free
Convert EUR, USD, GBP, AUD & NZD

0.44%-0.47%

Spend in rare currencies

0.35%-2.2%

ATM withdrawals up to S$350 / 30 days

Free

Route Conversion fee
SGD → MYR 0.69%
SGD → THB 0.65%
SGD → USD 0.44%
SGD → EUR 0.44%
SGD → GBP 0.44%
Route Conversion fee
SGD → AUD 0.44%
SGD → JPY 0.63%
SGD → INR 0.59%
USD → EUR 0.45%
USD → SGD 0.46%

Low currency conversion fees

When you convert currencies - either within your account, or when you spend on your card - you'll always get the real, mid-market exchange rate. Like the one you see on Google. You'll also pay a low, upfront conversion fee. This fee depends on the currencies you're converting, but typically, it'll be between 0.35% and 1%. Fees for our most popular currency pairs are in the table to the left. And you can find a full list of currencies in our Support Center.

For more currency routes visit our help center

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.

Polish Zloty

Get your own Account Number.


Hold & manage money.

You can hold and manage money in more than 50 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

Botswana Pula

Swiss Franc

Chilean Peso

Chinese Yuan

Costa Rican Colón

Czech Koruna

Danish Krone

Egyptian Pound

Georgian Lari

Ghanaian Cedi

Hong Kong Dollar

Croatian Kuna

Euro

Canadian Dollar

Hungarian Forint

Indonesian Rupiah

Israeli Shekel

Indian Rupee

Japanese Yen

Kenyan Shilling

South Korean Won

Sri Lankan Rupee

Moroccan Dirham

Mexican Peso

Malaysian Ringgit

Nigerian Naira

Norwegian Krone

Nepalese Rupee

Peruvian Sol

Philippine Peso

New Zealand Dollar

US Dollar

Polish Zloty

Pakistani Rupee

Romanian Leu

Russian Ruble

Swedish Krona

Singapore Dollar

Thai Baht

Turkish Lira

Tanzanian Shilling

Ukrainian Hryvnia

Ugandan Shilling

Uruguayan Peso

Vietnamese Dong

West African CFA Franc

South African Rand

Zambian kwacha


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

Botswana Pula

Canadian Dollar

Swiss Franc

Chilean Peso

Chinese Yuan

Costa Rican Colón

Czech Koruna

Danish Krone

Egyptian Pound

Euro

British Pound

Georgian Lari

Ghanaian Cedi

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

Tanzanian Shilling

Ukrainian Hryvnia

Ugandan Shilling

Uruguayan Peso

US Dollar

Vietnamese Dong

West African CFA Franc

South African Rand

Zambian kwacha

FAQs

If you already have a TransferWise account, just log in to 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.

Learn more

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 account in 40+ 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.

Click here to learn more about pricing

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:

  • from SGD to MYR 0.69%
  • from SGD to THB 0.65%
  • from SGD to USD 0.44%
  • from SGD to GBP 0.44%
  • from SGD to EUR 0.44%

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

TransferWise Singapore Pte. Ltd. is a company incorporated under the laws of Singapore with Unique Entity Number 201422384R We’re regulated by the We are licensed by the Monetary Authority of Singapore (“MAS”).

All money in your TransferWise Borderless Account is stored and safeguarded securely in our bank accounts in Australia, the UK or USA depending on the country of residence in your profile.

Over 6 million customers have trusted us to move their money around the world. We move more than $7 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 2-3 business days.

Sorry, we don't ship overseas right now. Currently, 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:

  1. 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.

  2. Enter the 6-digit code that's on the card below your name.

  3. Now 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.

We currently don't support withdrawing cash at ATMs in Singapore. You can withdraw cash easily overseas, S$350 fee-free / every 30 days.

Bye bye money changers, hello world.

Get started