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Provider profile

Wise

Global money transfer / multi-currency payment provider

A digital money transfer provider for large one-off transfers where the current price is shown up front. Forward contracts are not part of the core service.

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Wise logo

Profile summary

Provider model
Multi-currency payment account
Primary audience
Payments and multi-currency money management, as an alternative to a traditional international bank account.
Pricing
Confirm directly
Eligibility
Depends on residence

Coverage

Why WiT Access covers this provider

WiT Access includes Wise in its international banking comparison because a digital money transfer provider for large one-off transfers where the current price is shown up front. Forward contracts are not part of the core service. It is set beside other providers on currencies, transfer model, pricing structure and payment size.

At a glance

Provider type
Multi-currency payment account
Primary service
International banking
Client type
Payments and multi-currency money management, as an alternative to a traditional international bank account.
Account model
Payment account
Legal form
Payment institution / EMI
Featured service areas
International banking, International bank accounts, Expat banking, Multi-currency accounts, Money transfer, FX & large transfers, Business banking
Official website
wise.com/gb/account
Last reviewed
6 October 2026

Profile

A multi-currency payment account for holding, receiving and sending money. The Wise Account is not a bank account. Multi-currency payment account. Digital-first. A dedicated dealer is not described.

Hold 40+ currencies. Local account details are available in multiple currencies depending on location. Bank transfers and local payment rails. Funding and delivery vary by corridor. A country count is not stated. Sending is described across 45+ currencies, and account or card coverage varies by country.

Upfront fees and exchange-rate information are shown. Suitability for larger amounts is described as high. A dedicated dealer, forward contract or high-net-worth treasury service is not described. Wise Business, with batch payments and an API. A dedicated dealer or forward contract is not described.

Payment / e-money provider, not a bank. The entity, safeguarding and availability depend on the customer’s country.

Wise appears in International banking: Compare account type, currencies, payments and where an account can be opened. International bank accounts: Compare international account access, currencies and residence limits. Expat banking: Compare banking for people living outside their country of origin.

Who it may be relevant to

  • May be relevant to payments and multi-currency money management, as an alternative to a traditional international bank account.

How the service works

Account type
Payment institution / EMI
Availability
Broad international coverage

International considerations

Residence
Broad international coverage
Moving country
Product availability varies by registered address. Confirm what changes if you move.
Legal entity
Payment institution / EMI
Currency
Hold 40+ currencies.
Currency
Hold 40+ currencies. Local account details are available in multiple currencies depending on location.
Regulation
EMI / payments provider. This is not a bank account. The entity and the safeguarding regime depend on location.

Notable characteristics

  • Multi-currency payment account
  • Recorded audience: Payments and multi-currency money management, as an alternative to a traditional international bank account

Points to consider

  • A multi-currency payment account for holding, receiving and sending money. The Wise Account is not a bank account
  • Hold 40+ currencies. Local account details are available in multiple currencies depending on location
  • Send globally, with card spending. Local and SWIFT receiving depend on the currency and location
  • Product availability varies by registered address. Confirm what changes if you move
  • EMI / payments provider. This is not a bank account. The entity and the safeguarding regime depend on location

Questions to confirm

  • Which currencies and corridors are supported for my transfer?
  • Is the service a direct account, a transfer, or an assisted FX desk?
  • How is the exchange rate and any fee shown before I send?
  • What limits apply to a large or property-related transfer?
  • Which legal entity provides the payment service?
  • What happens if my residence changes before the transfer completes?

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Related guides and tools

Sources and review

Last reviewed: 6 October 2026

This profile is based on public provider information reviewed by WiT Access. Product availability, fees, eligibility and regulatory arrangements can change.

WiT Access provides general information and comparison resources. This profile is not a personal recommendation or suitability assessment. Availability, pricing, eligibility and regulatory arrangements should be confirmed directly with the provider.