Open a free international business account in minutes.

A business account to send, spend, and receive multiple currencies with the real exchange rate. Do business without borders.

New! Get a Business debit card →

TransferWise for Business - customers and balances shown on screen

Pay invoices and people abroad

Receive money with no fees

Automate work with our API

Integrate seamlessly with Xero

International payments, 19x cheaper.

Pay invoices, buy inventory, and handle payroll with the real exchange rate in over 40 currencies — for way cheaper than PayPal.

Send money directly from your own debit card or bank, or make payments from your business account balance. Your recipient doesn't need a TransferWise account to receive their money.

Send money today →

Receive money with zero fees.

Get your own UK, Eurozone, Australian, New Zealand, and US bank details for a small, one-time setup fee — without a local address. Use them to get paid or withdraw money from platforms like Amazon for free.

Hold that money in your account for future payments or move it to your bank.

Get started →

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.

The TransferWise Platinum debit Mastercard® is issued by is issued by Transferwise Singapore Pte 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.

The features your business loves.

Xero integration
Connect with Xero and your favourite accounting tools.
Connect now →
Batch payments
Make multiple payments in one go with ease.
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 →

The real exchange rate, always.

There's a small fee to convert currencies in your account and no hidden fees in the rate we offer you.

Account pricing
Create your account Free
Hold 50+ currency balances Free
Fixed fee to send money (varies by currency)

S$1.40

Get bank details to receive currencies

S$54

Receive money in EUR, USD, GBP, AUD & NZD Free
Convert currencies

See price checker

Add money to your account

See price checker

Always check your account for the latest pricing update.

By the people who made Skype

Richard Branson is a key investor

6 million customers globally

Regulated by the MAS

A powerful open API.

Businesses big and small can access our open API to automate payments, connect business tools, and create beautiful ways to manage finances.

Explore our docs →

Coverage around the world.

You can send money to 70+ countries and hold 50+ currencies.

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

See what currencies we cover →

FAQs

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

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.

If you want to get international bank details, there's a one-time S$54 fee (or equivalent), and it's free to receive money using your bank details.

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. When you send money with TransferWise for Business it goes directly into your recipient's bank account.

TransferWise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the UK.

This means we're required by law to keep your assets safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo.

These accounts are reserved for customer money, this means your money is kept in a separate account from the money we use to run the business.

In the unlikely event TransferWise ceased to exist, your money would be paid back from this account, ie from Barclays or Wells Fargo, however it is not covered by the Financial Services Compensation Scheme (FSCS) and therefore is deposited at your own risk. You also cannot earn interest on the money in your borderless account.

Millions of customers trust TransferWise with their money. We move billions every month, and we take the safety and security of your money seriously.

The TransferWise debit Mastercard is issued by TransferWise Ltd under license by Mastercard International Inc. Mastercard is a registered trademark, and the circles design on the card is a trademark of Mastercard International Incorporated. TransferWise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.

Business without borders.

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