Wise
FintechPersonal & BusinessGlobal money transfer and multi-currency account provider with real exchange rates and low fees.
Founded 2011
London, UK
Last verified: 2025-01-15
Account Types
Available account currencies and types
EUR IBANUSD (US)GBP (UK)Multi-Currency
Regulatory & Banking Structure
License types and account delivery model. Learn more
Regulatory Type
E-Money InstitutionMoney Services BusinessRegulators
- Financial Conduct AuthorityGB
- FinCENUS
- National Bank of BelgiumBE
Banking Partners
USD (US) Accounts
- Community Federal Savings Bank(US)— USD balances held via sponsor bank structure in the US
Features
Platform capabilities and services
Virtual Cards
Physical Cards
Crypto Trading
Stock Trading
International Transfers
Multi-Currency
Business Tools
API Access
Mobile App
Web App
Joint Accounts
Savings Accounts
Debit Card
Direct Deposit
Bill Pay
ATM Access
Cashback
Rewards
Availability
Regions and countries where available
Regions
Europe, Middle East & AfricaNorth AmericaAsia PacificLatin America
Countries
USUKEUAustraliaCanadaJapanSingaporeBrazil
Excluded Countries
RussiaIranNorth Korea
Sources
Information verified from these sources
- Wise Fees(2025-01-15)
- Wise Regulation(2025-01-15)
Pricing
Free Tier
Monthly Fee0
Transaction FeesVariable by currency pair
FX Markup0.35-2% depending on currency
No account fees, pay only when you transfer or spend
Compliance
Deposit Insurance
Not available
License Types
EMI LICENSEMSB LICENSE
Regulatory Bodies
FCA (UK)FinCEN (US)NYDFS