Wise

Pricing

• •Business onlyThe one-time 55 EUR Business setup fee grants access to all business features, with no additional feature tiers.
• •Business onlyA volume discount applies once monthly outgoing volume exceeds 22,000 EUR (or equivalent).
• •Pricing is pay-per-use with no recurring monthly fee: the Personal account is free, the Business account has a one-time 55 EUR setup fee.
• •Currency conversion uses the mid-market rate with fees starting from 0.47% (a floor that varies by currency pair).
• •living in HUHungarian residents pay an additional local surcharge of 0.45-0.9% on transfers and ATM withdrawals (Hungary's financial transaction tax).
• •A volume discount applies on monthly currency conversions above 22,000 EUR.

Limits

• •Receiving has no limit for most currencies; USD is capped at 20M per transaction/day and 35M on a rolling annual basis; SGD via FAST is capped at 200,000 per transaction.
• •living in JPJapan residents: JPY holding is capped at 1M by default (up to 20M on request); sending from the account is capped at 1M JPY (Large Transfers up to 150M JPY).
• •living in MYMalaysia residents: MYR holding is capped at 20,000.
• •living in SGSingapore residents: SGD holding is capped at 20,000, and sending/spending at 100,000 SGD per year (fixed window, 1 April - 31 March).
• •living in PHPhilippines residents: conversions are capped at 10,000 USD per transaction and 50,000 USD/month; receiving is capped at 10M PHP/month.
• •Sending is capped at 20M EUR or GBP per transfer (above 1.2M EUR or 1M GBP, only from the Wise balance; card sends are capped at 10,000 EUR).
• •Business onlyReceiving is capped at USD 50M per transaction/day and 150M on a rolling annual basis; SGD via GIRO is capped at 90M per transaction, MEPS is unlimited.
• •Business only · living in JPJapan residents: JPY holding is capped at 1M by default, and can be raised to 20M.
• •Business only · living in SGSingapore residents: spending is capped at 2M SGD/month, with no holding limit.
• •Business only · living in MYMalaysia residents: no holding limit for business.
• •Business only · living in PHPhilippines: conversions are capped at 10,000 USD per transaction and 50,000 USD/month; receiving is capped at 10M PHP/month but only for freelancer accounts, not other company types; card spending is capped at 2.8M PHP plus 300,000 PHP in ATM withdrawals per month.
• •Business onlySending is capped at 20M EUR or GBP per transfer (card sends have a lower limit).

Payments & transfers

• •Receiving USD specifically (other currencies are unaffected) is blocked from Guinea-Bissau and Serbia.
• •New PLN local account details are no longer issued (existing ones still work); receiving from Polish banks is supported, and SWIFT receiving costs a fixed 16.20 PLN.
• •SGD domestic receiving via FAST (up to 200,000 SGD per transaction) is free.
• •Personal onlyOn personal accounts, the SGD details only support the FAST rail - GIRO, MEPS, and SWIFT receiving aren't available there (SWIFT, where supported, costs a fixed 5.34 SGD).
• •Domestic USD receiving via ACH/Fedwire is free; SWIFT USD receiving costs a fixed 6.11 USD.
• •USD can't be received from Guinea-Bissau or Serbia on any Wise USD account; on the CFSB-partnered USD account specifically, the block also covers Kazakhstan, Kyrgyzstan and Uzbekistan.
• •Personal only · living in MYThe MYR local account is only available to Malaysia residents with a personal account, and doesn't support SWIFT receiving.
• •Domestic GBP receiving via Faster Payments (FPS) is free; SWIFT GBP receiving costs a fixed 2.16 GBP.
• •The GBP account also receives SWIFT payments in 22 currencies beyond GBP: AED, EUR, USD, AUD, CAD, CHF, CZK, CNY, DKK, HKD, HUF, ILS, JPY, NOK, NZD, PLN, SEK, RON, SGD, UGX, ZAR.
• •PHP receiving via InstaPay/e-wallet (domestic, from the Philippines) is free; SWIFT receiving isn't supported for this currency.
• •HUF SWIFT receiving costs a fixed 1,550 HUF (domestic transfers are free).
• •AUD SWIFT receiving costs a fixed 6.24 AUD and isn't available if your registered address is in Australia (domestic BSB transfers are free).
• •New RON local account details aren't available, and existing ones were withdrawn as of 31 Dec 2024 for addresses outside the EEA; RON can still be received via SWIFT on the GBP account details - sources disagree on whether that carries an extra 18.80 RON fee or none at all.
• •SEPA and domestic EUR receiving is free; SWIFT EUR receiving costs a fixed 2.39 EUR.
• •The EUR account also receives SWIFT payments in AUD, CAD, GBP, JPY, and USD, not just EUR.
• •NZD SWIFT receiving costs a fixed 6.89 NZD and is suspended if your registered address is in New Zealand (domestic transfers are free).
• •The TRY local account is only available to customers who are not resident in Turkiye, and doesn't support SWIFT receiving.
• •Domestic wire transfers and Online Bill Payments (OBT) to the CAD account are rejected, and a 25 CAD fee is still retained even though the payment doesn't go through - use EFT/Interac instead, which is free and accepted.
• •CAD SWIFT receiving costs a fixed 6.16 CAD.
• •HKD receiving is free via FPS; the CHATS rail costs 10 HKD per transaction, and SWIFT costs a fixed 30.80 HKD.

Cards

• •The Wise card itself can be used to pay on crypto platforms, even though the account can't otherwise interact with crypto exchanges.
• •Business onlyThe Wise card itself can be used to pay on crypto platforms, even though the account can't otherwise interact with crypto exchanges.

Crypto

• •You can't send funds from the account to a crypto exchange, a crypto wallet, or even a private individual for the purpose of buying crypto.
• •Receiving from a crypto exchange is allowed only if it's licensed in the UK or EU, and even then it's at the bank's discretion, not guaranteed; Binance and Coinbase are explicitly excluded regardless.
• •Receiving funds from P2P crypto trading isn't accepted.
• •The bank may make discretionary exceptions for salary payments from crypto companies, professional-service fees paid by such companies, or purchasing shares in crypto companies.
• •Business onlyYou can't send funds from the account to a crypto exchange, a crypto wallet, or even a private individual for the purpose of buying crypto.
• •Business onlyReceiving from a crypto exchange is allowed only if it's licensed in the UK or EU, and even then it's at the bank's discretion, not guaranteed; Binance and Coinbase are explicitly excluded regardless.
• •Business onlyReceiving funds from P2P crypto trading isn't accepted.
• •Business onlyThe bank may make discretionary exceptions for salary payments from crypto companies, professional-service fees paid by such companies, or purchasing shares in crypto companies.
• •Business onlyCrypto as a line of business is not accepted at all: Wise does not open business accounts for exchanges, wallets, crypto financial services, proprietary or client trading, virtual-currency issuers or ICOs.

Opening an account

• •Business only · incorporated in AE, AI, BL, BM, BV, BZ, CV, CY, GD, GG, IL, IM, JE, KY, MA, MC, ME, MH, MT, MU, MY, NR, NU, PN, PW, SC, TC, TH, TT, VC, VG, WFNew business signups are currently paused (waitlisted, not permanently excluded) for companies registered in: the United Arab Emirates, Anguilla, Saint Barthélemy, Bermuda, Bouvet Island, Belize, Cape Verde, Cyprus, Grenada, Guernsey, Israel, Isle of Man, Jersey, Cayman Islands, Morocco, Monaco, Montenegro, Marshall Islands, Malta, Mauritius, Malaysia, Nauru, Niue, Pitcairn, Palau, Seychelles, Turks and Caicos Islands, Thailand, Trinidad and Tobago, Saint Vincent and the Grenadines, British Virgin Islands and Wallis and Futuna.
• •living in THThailand residents can open an account, but it's a phased rollout with a waitlist, not full availability.

Countries & residency

• •Business onlyBusiness accounts also require a physical trading/operating address in a supported country - being incorporated in a supported country isn't enough if you personally operate from a country Wise doesn't support.
• •living in USAvailable to US residents, with the exception of Nevada.
• •Wise Interest is available (from 0.26% annual); in Italy only the Interest product is offered, without Stocks.

Sanctions

• •Payments to and from the Ukrainian regions of Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia are also prohibited.

Licence & regulation

• •Regulated in the UK as an EMI by the Financial Conduct Authority (FRN 900507).

Rewards

• •EEA customers can earn cashback on EUR/GBP/USD balances (as of June 2026: 1.00% EUR, 2.20% GBP, 2.20% USD, annualized); a 30% Belgian withholding tax applies.