The 6x cheaper international account.

Q: What is a multi-currency account and how does it work?

You can hold, receive, send, and spend money using a Wise multi-currency account. You can hold more than 50 currencies, and convert between them at the real exchange rate whenever you need. You can get account details for some currencies to receive money from around the world. You can send money from your account to a bank account whenever you like — we'll charge a fixed fee when you do this, and a conversion fee when you send to a different currency. And, you can spend the currencies in your account around the world with the Wise debit card . Find out if the Wise card is available in your country.

Q: How is the Wise account different from a bank account?

Your Wise account is an electronic money account. It’s different from a bank account because: Your money is safeguarded and not covered by the Financial Services Compensation Scheme (FSCS) or another protection scheme that you would get with a bank account. You can’t get an overdraft or loan. You won’t earn interest.

Q: Can I hold multiple currencies in a Wise account?

You can add money to your account in 19+ currencies and hold 50+ currencies. You can convert money between any of the currencies in your account — always with the real exchange rate. We’ll charge a low conversion fee to do this.

Q: What is a multi-currency card?

The Wise debit card lets you spend money around the world with low conversion fees and zero transaction fees. It’s currently available for multi-currency account-holder residents in the UK, US, Australia, New Zealand, Singapore, Malaysia, Japan, Switzerland and EEA.

Q: What happened to the borderless account?

The Wise multi-currency account is the same account you know and love. The only change is in the name — we used to call it the borderless account.

FINTRAC regulated

Learn more

Over 13 million customers

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You send exactly

2.49 CAD
fee
6.09 CADOur fee
–8.58 CADTotal fees
=991.42 CADTotal amount we’ll convert
×0.785793 (96 hrs)

Recipient gets

You could save vs banks
10.10 CAD

Should arrive
by May 31st

Get started

Available for you in

Send money cheaper and easier than old-school banks.

Send money at the real exchange rate with no hidden fees.

Send money

Spend abroad without the hidden fees.

Use a card in 200 countries and withdraw anywhere. Get yours for free.

Check the Wise card

Receive payments like a local in 10 currencies.

Get your own UK account number, Euro IBAN, US routing number, and more.

See all account details

Convert and hold 53 currencies.

Holding multiple currencies is completely free, and we use the real exchange rate to convert.

See all currencies

Compare our pricing

We charge as little as possible. No subscription

Sending 1,000.00 CAD with	Recipient gets(Total after fees)	Transfer fee	Exchange rate(1 CAD → USD)
Cheapest	780.38 USDSave up to 33.63 USD	7.04 CAD	0.785916Mid-market rate
	776.19 USD- 4.19 USD	0.00 CAD	0.776191
	768.20 USD- 12.18 USD	3.99 CAD	0.771280
	767.94 USD- 12.44 USD	2.99 CAD	0.770242
	762.98 USD- 17.40 USD	15.00 CAD	0.774595
	761.28 USD- 19.10 USD	10.00 CAD	0.768967
	746.75 USD- 33.63 USD	2.98 CAD	0.748978

No hidden fees.

We’re on a mission to bring transparency to finance, for people without borders. We charge as little as possible, and we always show you upfront. No hidden fees. No bad exchange rates. No surprises. How do we collect this data?

Moving and living abroad just got simpler

Receive your salary, pension, and more. Spend in local currency with your card. Move your money between countries with ease. It’s the better way to send money home.

Receive your salary, pension, and more.

Relocate without the stress — and without the multiple bank accounts. Share your details with your employer, pension scheme, family or friends, and get paid like a local.

Spend in local currency with your card.

Avoid the bank appointments, and start spending as soon as you get there. With the Wise Card, you’ll always get the best possible exchange rate.

Move your money between countries.

Send money to 80 countries, always with a low and transparent fee. With Direct Debits in the UK, Europe, US and Canada, paying your bills and subscriptions across currencies is easier than ever.

Shopping through overseas online stores

Pay at the real exchange rate. Avoid sneaky bank exchange rate markups and high foreign transaction fees. Pay only a low upfront conversion fee, and no annual card fee.

Pay at the real exchange rate.

Avoid sneaky bank exchange rate markups and high foreign transaction fees. Pay only a low upfront conversion fee, and no annual card fee.

Always pay in the local currency.

If you’re shopping online, always choose to pay in the currency of the country you’re buying from. If you don’t have it in your account, the card will automatically convert to it from the account that’s cheapest for you. You’ll avoid Dynamic Currency Conversion fees.

Pay online securely with instant notifications.

Authorise payments with 3-D Secure authentication. Receive instant notifications when you spend.

The perfect card for frequent travelers

Escape sneaky transaction fees. You’re always in control. Tap or swipe anywhere — and use Google Pay and Apple Pay in supported countries.

Spend in multiple currencies.

Get yours for free to spend in the local currency, wherever you are. With a better exchange rate and lower fees than your bank.

You’re always in control.

Freeze and unfreeze your card whenever you like. And with PIN reminders and instant transaction notifications, you can stay in the know.

Works worldwide.

Use your card in more than 200 countries and withdraw money from 2.3 million ATMs. Tap or swipe anywhere — and use Google Pay and Apple Pay in supported countries.

Receive money from around the world

Use your account details to receive and manage your earnings. Invoice like a local and manage your earnings from various online platforms and storefronts.

Get paid like a local.

UK account number, Euro IBAN, US routing number, and more. All in one account. Receive your salary, invoice payments, pension and profit from shares.

Work anywhere and link your account to Amazon, PayPal and more.

Use your account details to receive and manage your earnings. Invoice like a local and manage your earnings from various online platforms and storefronts.

Convert your money in seconds.

Receive payments from anywhere, and convert them to 53 currencies. You’ll always get the real exchange rate, and the low fees we’re known for.

Take the stress out of managing property

Save when you buy property abroad. Pay your bills remotely. Receive payments from tenants.

Save when you buy property abroad.

Sending and managing money with Wise is on average 6x cheaper than banks. And with our tiered pricing for large amounts, you get an even lower fee on any transfers over 100,000 GBP or equivalent in your currency.

Pay your bills remotely.

Hold 53 currencies in one place. Easily manage your mortgage and utility bills across currencies with Direct Debit in the UK, Europe, US and Canada, and pay tradespeople like a local.

Receive payments from tenants.

Get paid in 10 currencies with your own account details. And when the rate is right, convert your money in seconds.

Getting started

Get set up and start spending with your card in minutes.

Register in minutes

Verify your identity

All you need to receive money or order a card is your government ID.

Top up your account

You can add money using your bank account, Apple Pay, credit/debit card.

Share your account details to get paid, or spend around the world with your debit card.

Get an account in minutes

Global support in a range of languages

We don’t do complicated, automated systems. We have offices around the world, and we’re here to help you whenever you need it.

See most frequently asked questions

Security

Protecting you and your money

Every month, our customers trust us to move over £6 billion of their money. Here are some of the important ways we protect them.

Safeguarded with leading banks

We hold your money with established financial institutions, so it’s separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

Regulated by FINTRAC

We’re regulated by FINTRAC and numerous authorities around the world.

Audited regularly

We make sure your money’s secure, and that Wise is financially stable. As we’re not a bank, your money isn’t FSCS protected — instead we safeguard it.

Extra-secure transactions

We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated anti-fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Online scams are on the rise. Learn how to stay safe

Coverage

Get these local account details

These are the account details you can share with others to receive money. Anyone can use these to pay you just like they'd pay a local.

British pound

UK sort code, Account number, and IBAN

Get GBP account details

Euro

Bank code (SWIFT/BIC) and IBAN

Get EUR account details

US dollar

Routing number and Account number

Get USD account details

Australian dollar

BSB code and Account number

Get AUD account details

New Zealand dollar

Account number

Get NZD account details

Singapore dollar

Bank code, Bank name, and Account number

Get SGD account details

Romanian lei

Bank code (SWIFT/BIC) and Account number

Get RON account details

Canadian dollar

Institution number, Transit number, and Account number

Hungarian forint

Account number

Get HUF account details

Turkish lira

Bank name and IBAN

Get TRY account details

Hold and convert money

You can hold and convert money in 53 currencies. It only takes a few seconds to open a new account in the currency you need.

UAE dirham

Argentine peso

Australian dollar

Bangladeshi taka

Bulgarian lev

Botswana pula

Canadian dollar

Swiss franc

Chilean peso

Chinese yuan

Costa Rican colón

Czech koruna

Danish krone

Egyptian pound

Euro

British pound

Georgian lari

Ghanaian cedi

Hong Kong dollar

Croatian kuna

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 lei

Russian ruble

Swedish krona

Singapore dollar

Thai baht

Turkish lira

Tanzanian shilling

Ukrainian hryvnia

Ugandan shilling

US dollar

Uruguayan peso

Vietnamese dong

West African franc

South African rand

Zambian kwacha

Send money to 80 countries

You can use money in your multi-currency account to send to any of the countries on Wise.

The 6x cheaper international account.

Available for you in Canada

Send money cheaper and easier than old-school banks.

Spend abroad without the hidden fees.

Receive payments like a local in 10 currencies.

Convert and hold 53 currencies.

We charge as little as possible. No subscription

Moving and living abroad just got simpler

Receive your salary, pension, and more.

Spend in local currency with your card.

Move your money between countries.

Shopping through overseas online stores

Pay at the real exchange rate.

Always pay in the local currency.

Pay online securely with instant notifications.

The perfect card for frequent travelers

Spend in multiple currencies.

You’re always in control.

Works worldwide.

Receive money from around the world

Get paid like a local.

Work anywhere and link your account to Amazon, PayPal and more.

Convert your money in seconds.

Take the stress out of managing property

Save when you buy property abroad.

Pay your bills remotely.

Receive payments from tenants.

Get set up and start spending with your card in minutes.

Register in minutes

Verify your identity

Top up your account

Global support in a range of languages

Protecting you and your money

Safeguarded with leading banks

Regulated by FINTRAC

Audited regularly

Extra-secure transactions

Data protection

Dedicated anti-fraud team

Get these local account details

British pound

Euro

US dollar

Australian dollar

New Zealand dollar

Singapore dollar

Romanian lei

Canadian dollar

Hungarian forint

Turkish lira

Hold and convert money

Send money to 80 countries

Let's answer some of your questions

What is a multi-currency account and how does it work?

How is the Wise account different from a bank account?

Can I hold multiple currencies in a Wise account?

What is a multi-currency card?

What happened to the borderless account?

Available for you in