The current account for home and abroad
All the essentials for everyday life, everywhere life takes you.1
Express international transfers
Truly instant, low cost, global transfers. Over 70% arrive in under 20 seconds.2
Find out more.
- You could save up to 42.38 GBP
Multi-currency debit card
Welcomed in 160+ countries and at 2 million ATMs worldwide.
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Earn 3.23% variable rate
Earn a return on your everyday balance by opting in to Wise Assets.3
Find out more.
Money can decrease in value if governments default or interest rates go negative. Current rates do not guarantee future performance. Variable rate is based on 7 day performance as of 27/03/2026. Taxes may apply. For full 5 years past performance.3 Learn more.
Money can decrease in value if governments default or interest rates go negative. Current rates do not guarantee future performance. Variable rate is based on 7 day performance as of 27/03/2026. Taxes may apply. For full 5 years past performance.3 Learn more.
Save up to 75% compared to major banks
 Wise |  Santander UK |  Lloyds |  PayPal | |
|---|---|---|---|---|
Recipient gets (Total after fees) | 1,142.54 EUR | 1,122.05 EUR | 1,105.52 EUR | 1,094.11 EUR |
Exchange rate (1 GBPEUR) | 1.14699 | 1.12205 | 1.10552 | 1.09739 |
Exchange rate markup | 0 GBP | 21.74 GBP | 36.15 GBP | 43.24 GBP |
Transfer fee | 3.88 GBP | 0 GBP | 0 GBP | 2.99 GBP |
Total transfer cost | 3.88 GBP | 21.74 GBP | 36.15 GBP | 46.23 GBP |
We move billions for millions worldwide, every year
Excellent on Trustpilot
24/7/365 customer support
100,000s new customers join Wise every week
The account that moves with you
Global IBANs, sort codes, routing numbers and more to manage your money abroad just like you do at home.
For relocators
Ready for direct debits, mortgages, bills and everything for daily life anywhere you go.
For travellers
Save money whenever you spend abroad with the card that works worldwide.
For frequent senders
Make transfers unbelievably easy. Repeat payments, rate guarantees and more.
For savvy savers
The only current account that gives you standout returns on your everyday balance when you opt in to Wise Assets.
For kids
Wise is for all the family. Get debit cards for your kids to start their financial journey.
The world's banks and businesses run on Wise
The world's most international business account
Enter new markets in minutes, not months. Get everything you need to pay, get paid, and manage your money in 40+ currencies — all in one place.
Safe at every step
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Safeguarded funds
Your money is protected in a safeguarded, separate account.
Built-in security
Biometrics, 2-step authentication and encryption keep your data secure.
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Specialised anti-fraud tech
We run 7 million checks every day to spot and stop fraud.
Your money, not ours
Wise is building the fairest way to move, manage and grow your money — everywhere. Unlike banks, we give back every penny and cut our prices whenever we can.
One smart app, 50 million downloads
- Your Wise Current Account is an e-money account, which means that funds are not protected under the Financial Services Compensation Scheme (FSCS). Instead, we safeguard your funds in line with our regulatory obligations. Learn more.
- Transaction speed claimed depends on funds availability, approval by Wise's proprietary verification system and systems availability of our partners' banking system, and may not be available for all transactions. On average, 74% of transfers arrive in under 20 seconds, and 95% arrive within 24 hours.
- If you choose to opt in to Wise Assets, investments can fluctuate and your capital is at risk. The Variable rate is based on the performance of the Fund over a 7-day period ending on 27/03/2026. The Fund has achieved an average annual return of 3.03% over a 5-year rolling period exclusive of fees. Interest is offered by Wise Assets UK Ltd, a subsidiary of Wise Payments Ltd. Wise Assets UK Ltd is authorised and regulated by the Financial Conduct Authority with registration number 839689. When facilitating access to Wise investment products, Wise Payments Ltd acts as an Introducer Appointed Representative of Wise Assets UK Ltd. Please be aware that we do not offer investment advice, and you may be liable for taxes on any earnings. If you're uncertain, we urge you to seek professional advice. Learn more.
- Savings claim based on our rates vs. selected British banks and other similar providers in June 2025. To learn more please visit UK Price Comparison Research 2025.
Wise works nearly everywhere
- United States dollarRouting number, Swift/BIC, Account number and Account typeGet USD account details
- Hong Kong dollarSwift/BIC, Account number, Bank code, Branch code and Bank nameGet HKD account details
- United Arab Emirates dirham
- Argentine peso
- Australian dollar
- Bangladeshi taka
- Canadian dollar
- Swiss franc
- Chilean peso
- Chinese yuan
- Colombian peso
- Costa Rican colón
- Czech koruna
- Danish krone
- Egyptian pound
- Euro
- British pound
- Georgian lari
- Ghanaian cedi
- Hong Kong dollar
- Hungarian forint
- Indonesian rupiah
- Israeli shekel
- Indian rupee
- Japanese yen
- Kenyan shilling
- South Korean won
- Sri Lankan rupee
- Moroccan dirham
- Mexican peso
- Malaysian ringgit
- Nigerian naira
- Norwegian krone
- Nepalese rupee
- New Zealand dollar
- Peruvian sol
- Philippine peso
- Pakistani rupee
- Polish złoty
- Romanian leu
- Swedish krona
- Singapore dollar
- Thai baht
- Turkish lira
- Tanzanian shilling
- Ukrainian hryvnia
- Ugandan shilling
- United States dollar
- Uruguayan peso
- Vietnamese dong
- South African rand
One smart app, 60 million downloads
"My Wise account is my proper current account, with my wages and direct debits all on it. Very user friendly, easy access, always working, quick and cheap and you can do so much more with your Wise account, than with a 'normal' bank account."
"Everything goes quickly and smoothly. A cheap solution for exchanging, sending, and receiving money. I am closing my account with my current bank and I want my payment here!"
"Wise choice for those people looking for a good rate for money transfers abroad, together with a great current account that allows you to keep control of your finances."
"A fabulous service, great exchange rates, good (or free) transaction costs, even interest on amounts in the account (unlike most if not all British current accounts). Use their card overseas all the time."
"Excellent company, far superior to a current account with a bank."
"Use daily as main account. I tap in every store in my country and abroad."