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Wise

Payment Systems

Wise provides international transfers, multi-currency account details and a card in supported regions. Its current help pages state that transfer fees vary by amount, payment method and currency, while the service uses the mid-market rate without a markup; card and ATM terms are country-specific.

Data status: partially verifiedLast verified: 2026-08-02Provider website

Tradivex does not independently verify every listing. Confirm fees, licence details, eligibility, and availability before using a service.

Catalog tags

International Transfers Expats Multi-Currency

Risk Warning

Trading financial instruments involves significant risk and can result in the loss of your invested capital. You should not invest more than you can afford to lose and should ensure that you fully understand the risks involved. Leverage trading can amplify both profits and losses. Past performance is not indicative of future results. Before trading, please consider your level of experience, investment objectives, and seek independent financial advice if necessary.

Key Features

Mid-Market Rates
Multi-Currency
Wise Debit Card
Business Accounts

Listed highlights

  • Mid-market rate stated by provider
  • Fees shown before transfer
  • Multi-currency account features
  • Card availability in supported regions
  • Personal account can be opened free

Listed considerations

  • Fees vary by currency and payment method
  • ATM allowances vary by card-issue country
  • Card availability is regional
  • Not a universal bank account

Quick Comparison

FeatureWiseN26NetellerPayPalPaytm
RatingNot availableNot availableNot availableNot availableNot available
PricingTransfer and conversion fees vary by currencyPlan and country dependentMethod- and country-dependentTransaction and product dependentProduct and transaction dependent
Founded20112013199919982010

Frequently Asked Questions

Does Wise use the mid-market rate?
Wise states that it uses the mid-market exchange rate and does not mark it up; a transfer or conversion fee can still apply.
Are Wise fees fixed?
No. Wise says fees depend on the amount, currency and payment method, and the exact price is shown before a transfer.
Pricing
Wise states that transfer fees depend on amount, payment method and currency; spending a currency already held can be free, while conversion and ATM fees may apply by region.
Min Deposit
No minimum stated for personal account
Founded
2011
Mobile App
Yes
Demo Account
No
Withdrawal
Depends on currency, method and recipient bank
Support
Email, Help Center
Regulation
Regional Wise entities and payment licenses vary

Licence number and legal-entity verification: not recorded. Check the regulator directly.

Platforms
WebiOSAndroid
Deposit Methods
Bank TransferCardLocal Payment