100% transparent pricing
Banks and other providers inflate the mid-market exchange rate to hide fees and make you pay more. Not Wise. You’ll always get our stand-out rate, like the one on Google.
 Wise |  Wells Fargo |  Bank of America | |
|---|---|---|---|
Recipient gets (Total after fees) | 56,984.82 PHP | 55,881.76 PHP | 55,805.79 PHP |
Exchange rate (1 USDPHP) | 57.7155 | 55.8818 | 55.8058 |
Exchange rate markup | 0 USD | 31.77 USD | 33.09 USD |
Transfer fee | 12.66 USD | 0 USD | 0 USD |
Total transfer cost | 12.66 USD | 31.77 USD | 33.09 USD |
Make your money
do more
Spend, receive and manage money internationally, as easily as you do at home.
Receive money fast
Get paid easily in other currencies with global account details.
Save on spending abroad
Pay and withdraw cash worldwide without any foreign transaction fees.
Safe at every step
14.8 million customers, businesses and banks use Wise every day. They move $16 billion every month. Here’s how we keep each dollar safe.
Federally regulated
Regulated nationwide, with 65 licences worldwide to keep your money moving.
Safeguarded funds
Your money is protected in a safeguarded, separate account.
Specialized anti-fraud tech
Over 1,000 experts and our smart systems run 7 million checks every day to spot and stop fraud.
Built for business too
Go global with our international business account. Make payments and get paid in 40+ currencies. Join over 700,000 businesses thriving with Wise.
One smart app, 50 million downloads
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
- 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
- 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.
- The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account "swept" into a Federal Deposit Insurance Corporation ("FDIC") insured account at one or more participating banks (each, a "Program Bank") that will hold the deposit funds. For a complete list of Program Banks, please see Appendix 1 of the Program Agreement. Availability of FDIC deposit insurance for the deposit funds is subject to certain conditions. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.
For customers opted in to receive interest on EUR and GBP, the FDIC passthrough insurance provided by our program bank is for up to the equivalent of 250,000 in total for your USD, EUR and GBP combined balance amounts (collectively, the "Eligible Balances"). - Annual Percentage Yield (APY) - rates shown are true as of 12/18/2025. See Program Agreement for details.
Excellent everywhere
See the stories of people worldwide choosing Wise.
"It is so quick. It took only 16 seconds to send money to India from USA."
Samadrita T, United States
"I have been using Wise for over 5 years to transfer funds monthly from the USA to Europe. My experience with Wise is outstanding. I recommend Wise to other expats."
John, United States
"Fast and reliable as usual. I used Wise to transfer money from USA to Thailand for more than 10 years"
Sura, Thailand
"Much lower cost than with regular bank transfers, and also faster and less hassle."
MV, United States
"Easy transfer processes to family across continents (USA, PH) with very little comparable fees."
Nadja, Vietnam
"Exchange rates are very competitive and moving money from USA to UK is fast."
Colin, United Kingdom