Wise pricing: International money transfer fees and rates [2026]
Wise moves money a bit differently than banks by separating every single cost transparently. Rather than packing hidden fees into the exchange rate or bundling random charges together, Wise shows you everything upfront so you only pay for what you actually use.
Our guide breaks down exactly how these fees work, how much different currencies cost, and how the pricing stacks up against other options – you can also get the full rundown of Wise personal fees and Wise business fees here.
Wise fees: An overview 🔎
Wise is on a mission to make it easier and cheaper to transact internationally. That means Wise fees are designed to be fair, transparent, and get lower over time.
Here are the key Wise fees you’ll want to know about.
| Service | Wise fee |
|---|---|
| Open your Wise multi-currency account 🏦 |
|
| Hold 40+ currencies 🌍 | Free |
| Get local account details for 8+ currencies 📌 | Free |
| Order a Wise debit card 💳 |
|
| Spend currencies you hold using your card 🛍️ | Free |
| Convert a currency using your card 🔄 | From 0.25% |
| Receive money with local or SWIFT details 📥 | Often free – the important exceptions include a 6.11 USD fee for incoming USD wire and SWIFT payments, a 2.16 GBP for GBP SWIFT payments and a 2.39 EUR for EUR SWIFT payments |
| Send high value international payments 🚀 | Volume discounts of up to 0.17% on payments over the equivalent 20,000 GBP/month |
*Information correct at time of writing – 16th June 2026
Wise currency conversion fee
Banks often add a markup – an extra fee – onto the exchange rate they pass on to customers. This makes it hard to see what you’re really paying for your international transfer or when you convert currencies in your account.
Bank markups are often around 3% – which pushes up the costs of a transfer significantly, especially over higher value payments. Here’s how a 3% margin would mount up over a few different transfer values:
* Sending 1,000 NZD – the exchange rate markup adds 30 NZD to the total
Sending 5,000 NZD – the exchange rate markup adds 150 NZD to the total
*Sending 50,000 NZD – the exchange rate markup adds 1,500 NZD to the total
Wise transfer fees
You’ll see the full fee before you confirm the transaction. Here are the Wise transfer fees for a few major currencies as an example:
| Sending 1,000 NZD to | Wise fee (NZD) | Recipient gets |
|---|---|---|
| AUD | 3.83 NZD | 823.53 AUD |
| USD | 4.98 NZD | 582.40 USD |
| EUR | 3.73 NZD | 502.44 EUR |
| GBP | 4.18 NZD | 434.19 GBP |
| SGD | 4.69 NZD | 747.29 SGD |
*Fees correct at time of research 15th June 2026
Wise fee calculator
When you arrange a Wise international transfer online or in the Wise app you’ll be able to instantly see the full cost, the exchange rate available, and the estimated delivery time, using the TransferWise fee calculator.
1. Choose the currency you’re sending to and from
2. Enter the amount you want to send, or how much you want the recipient to get
3. Choose how you’ll pay for the transfer
You’ll see exactly what your recipient will receive, and when it’s likely to arrive in their account.
Take a look at the Wise fee calculator here, to see how much you could save on your international payment.
Wise account and card fees 💳
As well as fast and secure money transfers, Wise also offers multi-currency accounts you can use to hold and exchange 40+ currencies, and linked debit cards for spending and withdrawals in 150+ countries. ⭐
Adding money to your balance is simple, though you can also have other people transfer funds directly to you. Your profile includes local and SWIFT bank details, making it easy to receive foreign currencies like a local. When you keep these balances in your account, you get the flexibility to pay international bills later, convert funds whenever the rate looks good, or spend cash like a resident when traveling abroad. 🌍
There’s no fee to spend a currency you hold in your account with a Wise card – and if you don’t have the currency you need you can just let the card convert for you, with the mid-market exchange rate and low fees from 0.25%.
Here’s a rundown of the important fees you need to know about when using the Wise card:
| Wise card and account fees | |
|---|---|
| Fee to open account 🔓 | No fee for personal customers |
| Ongoing fees 🗓️ | No ongoing fees |
| Cost to get a card 💳 | 14 NZD for personal customers |
| Fees to add money to Wise account 📥 | Free if you send a standard domestic bank transfer. Small fees apply if converting currencies or using debit/credit cards |
| Wise account fees for holding money 🏦 | No fee |
| Fees for sending money from your Wise account 💸 | Low fees starting from 0.25% |
| Currency conversion fees 🔄 | From 0.25% |
| Cost to spend a currency you hold 🛍️ | No fee |
| Cost to spend a currency you don’t hold 🛒 | From 0.25% |
| ATM fees 🏧 | Withdraw 400 NZD/per month free. 2.69% after that. |
*Information correct at time of writing – 16th June 2026
Fees for receiving money into Wise account
You can receive payments to Wise using local or SWIFT account details. The costs can vary depending on the currency and the way the sender processes the transfer.
| 🌐 Using local account details | Free (For domestic, non-SWIFT, and non-wire transfers) in 8 currencies |
| 🇺🇲 USD wire and SWIFT payments | 6.11 USD per payment (Standard ACH direct deposits are free) |
| 🇳🇿 NZD SWIFT payments | 6.89 NZD per payment |
| 🇬🇧 GBP SWIFT payments | 2.16 GBP per payment |
| 🇦🇺 AUD SWIFT payments | 6.24 AUD per payment |
Wise ATM fees
With Wise, you’ll get some free ATM withdrawals every month, no matter where in the world you are. You can find how much is left of your free monthly ATM withdrawal allowance easily in the Wise app, so you’ll easily keep on top of your costs.
Here’s how the Wise card ATM fee shapes up:
- Withdraw up to 400 NZD per month for free
- After this, a fee of 2.69 % of the withdrawal value applies
Wise foreign transaction fees
Many bank debit or credit cards will charge a foreign transaction fee whenever you spend or make a withdrawal in a foreign currency. The exact cost depends on the card you have, but it’s often about 3% of the value of the transaction.
Wise does not have a foreign transaction fee. It’s free to spend any currency you have in your account, and if you need currency conversion you’ll pay a small fee from 0.25%, based on the currencies involved.
How does Wise pricing work?
Wise has its own payment network which lets it arrange international transfers faster and for a lower cost compared to banks which rely on the SWIFT network. This can cut down on the costs of transferring money and allows Wise to manage their pricing differently too.
As we mentioned earlier, Wise’s commitments include:
- Being radically transparent about costs
- Charging as little as possible – and lowering fees over time
- Using fair pricing so you only pay for the services you use
How much you pay with Wise will depend on the service you’re using, how you want to pay, and the currencies involved. However, you’ll see the full fee upfront, with no hidden fees to worry about.
Sending large amounts with Wise
Wise is a safe provider which is already trusted by 16 million+ customers around the world. The provider uses industry-standard technology and safety measures, including two-step authentication and biometrics and encryption, making it safe to choose for high value international transfers.
Even better, you can even get a discount on your costs if you regularly send Wise payments for yourself or your business.
If you send more than the currency equivalent of 20,000 GBP a month (around 46,000 NZD) you could get an automatic discount of up to 0.17%.
There’s no need to pre-arrange the fee, which means everyone gets the best possible deal, every time.
Here’s how the Wise high value payment discounts break down:
| Payment volume (GBP) | Discount |
|---|---|
| Up to 20,000 GBP or currency equivalent (about 45,000 NZD) | 0 |
| 20,000 GBP to 300,000 GBP or currency equivalent (about 45,000 NZD – 689,000 NZD) | 0.1% |
| 300,000 GBP to 500,000 GBP or currency equivalent (about 689,000 NZD – 1.14 million NZD) | 0.15% |
| 500,000 GBP to 1 million GBP or currency equivalent (about 1.14 million NZD – 2.29 million NZD) | 0.16% |
| Over 1 million GBP or currency equivalent (about 2.29 million NZD) | 0.17% |
*Information correct at time of writing – 16th June 2026
How does Wise pricing compare?
Before you choose a provider for your international payment it’s a smart idea to compare a few options, to make sure you’re getting the best available deal.
The good news is that specialist providers can be cheaper than using a bank. However, even some specialist providers hide a part of their fee in the exchange rate they use. That means you’ll need to look carefully at the overall costs to find the cheapest provider for your payment.
At The Currency Shop you can compare providers transparently, to find the best money transfer service for your needs based on both the fees and exchange rates available.
Conclusion
Wise takes a radically different approach to pricing compared to banks and international money transfer services. You’ll see the full cost of the service you need upfront before you commit, with no hidden charges or exchange rate markups. This can be a lot to take in, but it’s more transparent than bundling costs or hiding a charge in the exchange rate, which is what many other providers do.
Overall, Wise’s low fees and transparent approach to pricing makes it a market beating service for many customers.
Useful resources
- Wise Card Spending Limits – Wise card spending limits and ATM withdrawal descriptions
- Wise NZD Transfer Guide – Guide to NZD transfers and local payment methods
- Wise Safety and Security – Wise account safety and data security descriptions
- Wise Tips for Getting Started with Large Transfers – Tips for sending high-value transfers with Wise
