Your complete guide to using Wise — the smarter, cheaper way to send money internationally. Real exchange rates, low transparent fees, trusted by 16M+ customers.
New to Wise? Sign up through our link and pay zero fees on your first international transfer — up to £500 in value. Send £200 or more to unlock it.
Claim My Fee-Free Transfer →Real, active Wise promotions for new customers. No gimmicks — these are the offers running right now.
New customers send their first transfer — up to £500 in value — with zero transfer fee. Perfect if you're sending money abroad soon.
New customers only. Min £200 transfer required to activate.
Moving a big sum overseas? New customers get an ultra-low 0.15% flat fee on their first high-value transfer — a fraction of typical bank charges.
New customers only. Minimum transfer thresholds and qualifying currencies apply.
Prefer to spend abroad? Get a Wise debit card and spend in 150+ countries at the real rate, with no foreign transaction fees.
A one-time card issuance fee may apply depending on your region.
Wise was built to fix the broken international money system — and it's working.
Wise uses the exchange rate you see on Google — no inflated bank rate with hidden markup baked in.
You see the exact fee before you confirm. No surprises on arrival, no mystery charges two days later.
Send to over 160 countries. EUR, USD, GBP, AUD, JPY, CNY and dozens more — all covered.
Many transfers arrive same-day or next-day. For popular routes like GBP→EUR, often within hours.
Hold, receive and send in multiple currencies. Get local bank details in 10+ countries — including UK, US, EU and Australia.
Spend in 150+ countries at the real exchange rate. Works with Apple Pay and Google Pay. No foreign transaction fees.
From opening your account to sending your first transfer — we cover it all, clearly.
Step-by-step walkthrough of signup, identity verification, and account setup.
How to enter recipient details, choose your payment method, and track your transfer live.
Exactly how to unlock the new-customer reward and avoid common mistakes.
Order your card, set spending limits, and use it abroad without fees.
Understand every fee Wise charges — and how to minimise them.
Real-world comparisons across popular corridors: GBP, EUR, USD, AUD, JPY.
See how Wise stacks up against traditional banks and other services on the features that matter most.
| Feature | Wise | High Street Bank | PayPal | Western Union |
|---|---|---|---|---|
| Mid-market exchange rate | ✓ | ✗ | ✗ | ✗ |
| Transparent fees upfront | ✓ | ✗ | Partial | Partial |
| Fee-free first transfer offer | ✓ | ✗ | ✗ | ✗ |
| Multi-currency account | ✓ | ✗ | ✗ | ✗ |
| Typical fee (£1000 → USD) | ~£4–6 | £25–50+ | £20–35 | £15–30 |
| Local bank details (10+ countries) | ✓ | ✗ | ✗ | ✗ |
"I've been sending money to my family in the Philippines for years. Wise saves me around £40 every single transfer compared to my old bank. It's genuinely life-changing."
"As a freelancer paid in USD, Wise lets me receive dollars into a US account and convert to GBP when the rate is good. My bank never offered anything like this."
"We use Wise Business to pay contractors in 12 countries. The batch payment feature alone saves us hours each month. Setup was straightforward and support has been excellent."
Join over 16 million people who've switched to Wise. Open your free account in under 5 minutes and pay zero fees on your first transfer.
Claim My Offer Now →