International banking provider
Wise
Multi-currency payment account
A multi-currency payment account for holding, receiving and sending money. The Wise Account is not a bank account. Listed for comparison.
At a glance
- Provider type
- Global multi-currency payment account / EMI
- Legal status
- Payment institution / EMI
- Global / regional reach
- Broad international coverage. Product availability varies by registered address.
- Currencies
- Hold 40+ currencies. Local account details are available in multiple currencies depending on location.
- Account model
- Payment account
- International payments
- Send globally, with card spending. Local and SWIFT receiving depend on the currency and location.
- Minimum / eligibility
- No general high-balance requirement.
- Protection
- EMI / payments provider. This is not a bank account. The entity and the safeguarding regime depend on location.
Provider type
Global multi-currency payment account / EMI.
Account type: Payment account.
Is this a bank?
Some international finance providers are banks. Others are payment institutions or e-money institutions. That distinction can affect how customer money is held, protected and regulated.
Legal status: Payment institution / EMI.
EMI / payments provider. This is not a bank account. The entity and the safeguarding regime depend on location.
Who it may suit
Payments and multi-currency money management, as an alternative to a traditional international bank account. That describes the published focus. It is not a view on whether this provider is suitable for you.
Where is the account available?
Broad international coverage. Product availability varies by registered address.
Availability: Broad international coverage.
Your country of residence can affect account opening, products, currencies and the legal entity that serves you.
Account and product model
A multi-currency payment account for holding, receiving and sending money. The Wise Account is not a bank account.
Payment account. Payment institution / EMI.
Which currencies can you hold?
Hold 40+ currencies. Local account details are available in multiple currencies depending on location.
Where the reviewed material does not list every currency for your country, treat the list as market dependent and confirm it before you rely on it.
Sending and receiving money
Send globally, with card spending. Local and SWIFT receiving depend on the currency and location.
Local account details: Available in selected currencies, depending on location.
Card access: Card spending is described.
FX and currency conversion
Conversion fees are publicly disclosed. Check the rate and any fee for the currencies and amount involved.
What does it cost?
Pricing and conversion fees are publicly disclosed. Check the current tariff for the route you need.
No general high-balance requirement.
Check the provider’s current tariff before opening an account. A published minimum is not the full price of transfers, cards or FX.
How is your money protected?
EMI / payments provider. This is not a bank account. The entity and the safeguarding regime depend on location.
Protection depends on the provider’s legal entity, where the account is booked and the applicable jurisdiction. Safeguarding and bank deposit protection are different legal frameworks.
What happens if you move country?
Product availability varies by registered address. Confirm what changes if you move.
An account may remain open, move to another entity, lose some services, or need to be replaced. Eligibility can change with residence. Confirm the outcome before you move.
Questions to ask
Can I open this account where I live?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
Which legal entity would hold my account?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
Is this a bank account or payment account?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
Which deposit-protection or safeguarding regime applies?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
Which currencies can I hold?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
Can I receive salary or pension payments?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
Are local account details available?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
What international transfer fees apply?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
How is FX priced?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
Are there minimum balance requirements?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
What happens if I move country?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
Can I keep the account if my tax residence changes?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
Are there limits on international transfers?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
Can I use the card abroad?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
What documents are needed to open the account?
Confirm the current answer with Wise. It depends on the legal entity, your residence and the product.
Sources and review
- Wise Account
- Currencies you can hold
- Publisher programme page. WiT Access has not joined this programme.
Information is based on publicly available provider information reviewed by WiT Access. Products, fees, currencies and country eligibility can change. Reviewed 6 October 2026.
WiT Access provides general information and comparison resources. Nothing on this page constitutes financial, tax or legal advice.
Request an introduction
This form asks WiT Access to pass an enquiry about Wise. It does not mean a formal introducer agreement is in place, and it is not a paid referral. It does not mean the provider can open an account where you live.