With Wise, you can hold money in 40+ currencies, and convert between them at the mid-market rate whenever you need. It’s free to sign up, and there are no monthly fees.
You can get account details for USD*, GBP, EUR, AUD*, NZD, CAD, HUF, RON*, and SGD — with more currencies on the way. Share these details with your friends, companies or customers to get money from around the world. You can also receive money without sharing your bank details.
You can send money that's in your Wise account to a bank account outside of Wise whenever you like. We’ll charge a fixed fee and a conversion fee when you send to a different currency. Sending and receiving money between Wise Accounts in the same currency is free.
You can spend money in different currencies around the world with the Wise card and get low conversion fees — check this on our pricing page. For the most up-to-date pricing and fee information, please read our Terms of Use for your region.
*USD account details are not available in some regions. Learn more about getting USD account details.
*Australian customers: learn more about PDS/FSG.
*RON account details are only available for residents of the EEA, Switzerland, the US, Canada, Australia, and Japan. New RON account details are not available right now. If you already have RON account details, they’ll work as normal.
How do I open a Wise account?
You’ll have to register and create an account with Wise.
Just share your email address, create a password, choose if you want to open a personal or business account, share your phone number for 2-step verification, and tell us the country you live in.
For your personal account, sign up with your legal name, date of birth and address.
For your business account, we'll need your business tax identification number, and your business registration address.
Wise may request additional documents to verify your identity or business.
Can I open the Wise account only for myself?
Yes, you can only open a Wise Account to represent yourself, and not on anyone else's behalf. You can read through our Customer Agreement for your region to understand how it works better. For example, if you live in the UK, this information is under Section 5.3.
Can I have multiple Wise accounts?
No, you can only have one personal Wise account.
You'll need to open separate Wise business accounts for every different legal entity.
Can I have a joint Wise account?
No, you can only have your own personal individual account. We don't offer joint accounts in Wise, so each user should have their own.
What’s the difference between my personal account and my business account?
A personal account should only be used for personal transactions.
A business account should only be used for business transactions, even if you're a freelancer or a sole proprietor.
How can I hold money in my Wise account?
Once you've set up your personal and business account(s), you can get started on a Wise Account where you can hold over 40+ currencies. Just click on Open a balance, and follow the instructions.
Just click on Add money and follow the instructions.
The first currency that you add will be automatically added to your main account. You can add as many currencies as you like to your main account.
You can also open jars and groups to keep money separate from your main account.
You can also use jars and groups to hold the same currency in two different places. For example, you could have GBP in your main account for spending, and you could also have GBP in a jar that you’re putting aside for something later.
Can I hold multiple currencies in my Wise account?
Yes! You can add as many different currencies to your account as you like. You can add currencies to your main account, and also to any jars and groups you open.
You can also convert currencies at the mid-market rate and at a low fee.
How do I add money to my Wise Account?
Just click Add either on your Home screen, or when viewing the currency you want to add. You’ll see different ways to add money depending on the amount, currency, and your region — like bank transfer or card payment.
Does this mean I have multiple accounts with Wise?
No, all currencies are held in your one Wise account.
What's the difference between the Wise account and the main account?
Your Wise account refers to all the money you hold with Wise.
Within your Wise account, your money is organised into your main account, plus any jars and groups that you may choose to add.
Your main account is where your physical card will spend from, if you have one. It’s where you can hold your main currencies that you use most often.
Jars and groups are for setting money aside from your main account. You can use them to organise your money in a way that works for you.
I live outside the UK and have added GBP to my account. Does this mean I have a UK account?
No, having a specific currency with Wise doesn't change your Wise account location. Wise works under several legal entities worldwide. Your registered address determines where your account is based, and what terms and conditions apply.
How can I get money in my Wise Account?
If you want to get money from third parties in a country where you don’t have your own bank account, Wise can give you your own account details for these currencies: USD, GBP, EUR, AUD, NZD, CAD, HUF, RON, TRY, and SGD — with more on the way.
Account details will be different depending on the currency. You'll have an IBAN for EUR, a sort code and account number for GBP, a routing and account number for USD, and so on.
Those account details are unique to you. You can share them with friends and companies to get money from globally.
Can I have multiple account details?
Yes! You can get account details for each currency that we offer them for. But you can only have one set of account details per currency.
You can't get all details at the same time — you’ll need to request details for each currency separately.
These details will be different for your personal and business account(s), so you'll need to request them separately, too.
Are account details separate from my Wise account?
Account details aren’t separate accounts — they’re a way to make a pay-in or receive money into your Wise account. That way, with just one Wise account, you can have different currencies to hold money, and different account details to receive money.
Personal account
Let’s say you have a family member in the US, and they want to send you money. With your Wise account, you’ll just need to share your USD account details with them. They'll be able to send you USD directly into your main account using those account details.
Business account
Let’s say you’re a company with one customer in the UK and one in the US. You can open both USD and GBP account details in your Wise account to get paid in both currencies. All you have to do is share your USD account details with your US customer and your GBP account details with your UK customers — now they can send you money in those currencies.
What about taxes on my Wise account? Should I report my account to my tax authority as foreign accounts?
With a Wise account, you can hold money in up to 50 currencies, and they're all part of your one Wise account. That means you need to follow the reporting rules in your country for your Wise account, but not for all individual balances or currencies.*
Learn more about taxes on your Wise account here.
*This is provided for general information purposes, and does not constitute legal, tax, or other professional advice from Wise or its affiliates. It is not intended as a substitute for obtaining tax advice from a Certified Public Accountant or tax attorney. You should consult your own tax, legal, and accounting advisor before filing your tax returns.
How is a Wise account different from a bank account, and how does Wise hold my money?
Your money is protected because we safeguard it, as opposed to classic bank accounts, which are covered by the Financial Services Compensation Scheme (FSCS), or other protection schemes that you get with bank accounts.
You can't get an overdraft or loan.
What is the Wise card (or Wise debit card)?
We offer the Wise debit card that lets our customers spend in 150+ currencies worldwide with low conversion fees.
You can get a Wise debit card if you have a Wise Account with balances, and live in the UK, US, Australia, Brazil, New Zealand, Philippines, Singapore, Malaysia, Japan, Switzerland or EEA.
See if your region is eligible for Wise cards.
Is there a difference between the borderless account, the multi-currency account, and the Wise account?
No, we just changed the name, but it’s still the exact same (awesome) account.