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Send money via direct debit

We never mark up the exchange rate or hit you with hidden fees. But don't take our word for it, send up to $2,000 to EUR, INR, and PHP for free and see it for yourself. That's right, you'll pay $0 in fees.

Sound like something you could get used to? Join over 15.6 million people using Wise.
  • Zero fees on your first transfer — up to $2,000.
  • Lightning fast — money typically arrives in seconds
  • Perfectly predictable — lock in an exchange rate for your international transfer
Open an account
  • Arrives
    Today - in seconds
  • Total fees
    Included in USD amount
    15.04 USD discounts applied
    • Your first transfer is on us

    No hidden fees or exchange mark-ups, ever. Get zero fees on up to $2,000 and see it for yourself. T&C applies Learn more.

    Limited time offer for first-time customers only. Available when paying in via debit card or bank account.See Terms & Conditions.

    Send money via direct debit

    We never mark up the exchange rate or hit you with hidden fees. But don't take our word for it, send up to $2,000 to EUR, INR, and PHP for free and see it for yourself. That's right, you'll pay $0 in fees.

    Sound like something you could get used to? Join over 15.6 million people using Wise.
    • Zero fees on your first transfer — up to $2,000.
    • Lightning fast — money typically arrives in seconds
    • Perfectly predictable — lock in an exchange rate for your international transfer
    Open an account
  • Arrives
    Today - in seconds
  • Total fees
    Included in USD amount
    15.04 USD discounts applied
    • Your first transfer is on us

    No hidden fees or exchange mark-ups, ever. Get zero fees on up to $2,000 and see it for yourself. T&C applies Learn more.

    Limited time offer for first-time customers only. Available when paying in via debit card or bank account.See Terms & Conditions.

    How to send money via direct debit in 3 easy steps

    Start your transfer.

    Enter amount to send in USD.

    Pay in USD with your debit card or credit card, or send the money from your online banking.

    Get the best rate out there.

    Choose your recipient.

    Select who you want to send money to and which pay-out method to use.

    Money is locally delivered.

    Send USD, receive EUR.

    The recipient gets money in EUR directly from Wise’s local bank account.

    Create free account now

    What is Direct Debit money transfer?

    Whether you call it a direct debit or an EFT, direct debit money transfers are often one of the cheapest ways to make a Wise international payment. It’s convenient to arrange a direct debit to Wise - you can often get set up online or in your bank’s mobile app, so you don’t even need to leave home.

    You can make a Wise direct debit money transfer of up to 9,500 CAD in 24 hours from a personal account. There’s also a limit of 30,000 CAD a week. You can send direct debit payments from a business bank account, too, as long as you have a Wise Business account.

    When you set up a Wise money transfer and pay by direct debit, the exchange rate is guaranteed as soon as you authorize payment to Wise. That means there are no surprises if the rates change while your direct debit is winging its way to Wise - you’ll know exactly how much your transfer will cost you, and what rate you’re getting, straight away.

    Learn more about using direct debit transfers.

    Online money transfer fees

    How much does it cost to send money via direct debit?

    To send money via direct debit with Wise, you will pay a small, flat fee and a percentage of the amount that's converted. We will always show you the total cost upfront - and you can rely that we won't hide any further fees in the exchange rate.

    Sending money shouldn’t cost the earth, so we built Wise to save you money when you transfer and exchange internationally. We charge as little as possible: right now a tiny fee, eventually free.

    No big fees, hidden or otherwise. So it's cheaper than what you're used to.

    Calculate how much you can save

    Cheapest way to send money abroad

    The cheapest way to send 30,000 USD to EUR is by using money that's in your Wise account and costs 82.34 USD. We use the mid-market exchange rate — the fairest rate — and always show your fees upfront.

    USD

    EUR

    Sending 30,000 USDTransfer cost
    Bank transfer75.97 USD
    Direct debit123.37 USD

    How we keep your money safe

    Every transfer you make is protected with HTTPS encryption and 2-step verification. And we run millions of checks each day to protect every transaction from fraud.

    How we keep your money safe
    • Rock-solid technology
      Super smart Wisers have built our industry-leading security systems from scratch over the last 12 years.
    • People who care, 24/7
      With over 1,000 anti-fraud specialists, and real human help available every minute, we’re on hand when you’ve got questions.
    • Your money, not ours
      Your money is safeguarded, and held completely separate from ours, so it’s available to you all the time.

    4.3 / 5 on Trustpilot from 287,100 reviews

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