Wise

Multi-currency account with low-cost international transfers

Available in 40 countries · Wise website

Trust & Reliability

High Trust

Founded

Est. 2011 · 15 years

Notes

Publicly listed on London Stock Exchange since 2021. 65+ global licenses. Average fee fell to 0.59% in 2024.

Regulatory licenses

JurisdictionLicense typeLicense #Source
United KingdomElectronic Money Institution900507Source
United StatesMoney Services Business + State MTLs—Source
SingaporeMajor Payment Institution—Source
AustraliaAFSL + ADIAFSL #513764Source

Recent changes

  • Fee change

    Wise average fee dropped to 0.59%

    Lowest 3-year average. Selective increases on AUD, SGD, HKD card payments.

    Source
  • Reinstated

    Wise resumed naira payouts to Nigeria

    Aligned with CBN new remittance guidelines.

    Source
  • Suspended

    Wise suspended USD-to-naira transfers to Nigeria

    Cited infrastructure and regulatory challenges. Second suspension of Nigeria services.

    Source
Wise availability by country
CountryStatusFeesConfidence
Africa
🇿🇦South AfricaAvailable1.39% – 7.19%API Verified
🇪🇬EgyptLimited2.17% – 7.9%API Verified
🇬🇭GhanaLimited1.65% – 1.65%API Verified
🇰🇪KenyaLimited1.86% – 1.86%API Verified
🇳🇬NigeriaLimited1.22% – 1.22%API Verified
🇷🇼RwandaLimited2.15% – 7.87%API Verified
🇹🇿TanzaniaLimited2.31% – 7.98%API Verified
🇺🇬UgandaLimited2.21% – 7.9%API Verified
🇪🇹EthiopiaNot Available—API Verified
🇸🇳SenegalNot Available—API Verified
Americas
🇺🇸United StatesAvailable0% – 0%Docs Verified
Asia
🇵🇭PhilippinesAvailable1.27% – 7.06%API Verified
🇧🇩BangladeshLimited2.5% – 8.16%API Verified
🇮🇳IndiaLimited1.13% – 6.94%API Verified
🇮🇩IndonesiaLimited1.19% – 1.19%API Verified
🇲🇾MalaysiaLimited1.04% – 6.86%API Verified
🇳🇵NepalLimited1.82% – 7.56%API Verified
🇵🇰PakistanLimited1.28% – 7.07%API Verified
🇱🇰Sri LankaLimited1.24% – 7.04%API Verified
🇹🇭ThailandLimited1.41% – 7.19%API Verified
🇻🇳VietnamLimited1.33% – 7.12%API Verified
Europe
🇩🇪GermanyAvailable0.99% – 6.82%API Verified
🇵🇱PolandAvailable1.08% – 6.9%API Verified
🇷🇴RomaniaAvailable1.08% – 6.9%API Verified
🇬🇧United KingdomAvailable1.03% – 6.85%API Verified
🇷🇸SerbiaLimited2.14% – 7.86%API Verified
🇺🇦UkraineLimited—Docs Verified
🇧🇬BulgariaNot Available—API Verified
LATAM
🇦🇷ArgentinaAvailable2.26% – 7.94%API Verified
🇧🇷BrazilAvailable1.55% – 7.31%API Verified
🇨🇱ChileAvailable1.48% – 7.26%API Verified
🇪🇨EcuadorAvailable0% – 0%Docs Verified
🇲🇽MexicoAvailable1.21% – 7.01%API Verified
🇵🇪PeruAvailable2.14% – 7.86%API Verified
🇨🇴ColombiaLimited2.81% – 8.43%API Verified
🇻🇪VenezuelaNot Available—API Verified
MENA
🇲🇦MoroccoLimited2.89% – 8.51%API Verified
🇹🇷TurkeyLimited1.58% – 7.37%API Verified
🇯🇴JordanNot Available—API Verified
🇱🇧LebanonNot Available—API Verified

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