Borderless account pricing

Everything you need to know about our borderless account pricing. Say bye to crazy fees for good.

The real exchange rate, always.

We never, ever inflate the exchange rate.

With the borderless account you only pay a small fee to convert currencies in your account or when you send money to a bank account in another currency. There's a 0.15% fee to add money to your account from a U.S. bank account.

It's free to get a borderless account and debit card — though cards are only available to customers in Europe at the moment.

It's also free to get your bank details, hold multiple currencies, get paid from around the world, and add money from a non-U.S. bank account.

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


Fixed fee to send money (varies by currency)


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


Card pricing (Coming Soon. Join the waitlist)
TransferWise debit Mastercard® Free
Spend in currencies in your account Free
Convert a currency using your card


ATM withdraw up to $250 / 30 days Free
ATM withdraw over $250 / 30 days


Spend in rare currencies

Mastercard rate

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.

Route Conversion fee
USD → EUR 0.6%
USD → GBP 0.6%
USD → CAD 0.6%
USD → INR 0.65%
USD → BRL 1.3%
USD → MXN 0.7%
Route Conversion fee
EUR → GBP 0.3%
EUR → INR 0.45%
EUR → USD 0.35%
GBP → AUD 0.45%
GBP → EUR 0.35%
GBP → USD 0.4%

Low currency conversion fees

When you convert currencies in your borderless 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 in most cases it'll be less than 1%. Fees for our most popular currency pairs are in this table. You'll find a full list of currencies in our Support Center.

For more currency routes visit our help center


For expats like me this is a total game-changer.

Sophie, British living in Sydney

Get your free account

Welcome to money without borders.

Get your free account