Wise: Online Money Transfers | International Banking Features (2024)

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Join over 10 million people who choose Wise for fast and secure online money transfers. We're on average 5x cheaper for sending money abroad than leading UK high street banks.

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You send exactly

0 GBP
3.88 GBPOur fee
–
3.88 GBPTotal fees
=
996.12 GBPTotal amount we’ll convert
×
1.1813

Recipient gets

Should arrive in 8 hours

Get started

Find out how much it costs to send money abroad

Sending 1,000 GBP with	Recipient gets(Total after fees)
	1,179.19 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.17919 Exchange rate markup 1.76 GBP Cost of transfer 1.76 GBP

	1,178.10 EUR- 1.09 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.17810 Exchange rate markup 2.68 GBP Cost of transfer 2.68 GBP

	1,176.69 EUR- 2.50 EUR
Transfer fee 3.88 GBP Exchange rate(1 GBP EUR) 1.18127 Exchange rate markup 0 GBP Cost of transfer 3.88 GBP

	1,176.16 EUR- 3.03 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.17616 Exchange rate markup 4.33 GBP Cost of transfer 4.33 GBP

	1,172.66 EUR- 6.53 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.17266 Exchange rate markup 7.29 GBP Cost of transfer 7.29 GBP

	1,169.74 EUR- 9.45 EUR
Transfer fee 9.50 GBP Exchange rate(1 GBP EUR) 1.18096 Exchange rate markup 0.26 GBP Cost of transfer 9.76 GBP

	1,168.48 EUR- 10.71 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.16848 Exchange rate markup 10.83 GBP Cost of transfer 10.83 GBP

	1,160.71 EUR- 18.48 EUR
Transfer fee 1.99 GBP Exchange rate(1 GBP EUR) 1.16302 Exchange rate markup 15.45 GBP Cost of transfer 17.44 GBP

	1,159.28 EUR- 19.91 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.15928 Exchange rate markup 18.61 GBP Cost of transfer 18.61 GBP

	1,158.27 EUR- 20.92 EUR
Transfer fee 2.99 GBP Exchange rate(1 GBP EUR) 1.16174 Exchange rate markup 16.53 GBP Cost of transfer 19.52 GBP

	1,157.24 EUR- 21.95 EUR
Transfer fee 20 GBP Exchange rate(1 GBP EUR) 1.18086 Exchange rate markup 0.35 GBP Cost of transfer 20.35 GBP

	1,146.92 EUR- 32.27 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.14692 Exchange rate markup 29.08 GBP Cost of transfer 29.08 GBP

	1,139.30 EUR- 39.89 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.13930 Exchange rate markup 35.53 GBP Cost of transfer 35.53 GBP

	1,131.41 EUR- 47.78 EUR
Transfer fee 20 GBP Exchange rate(1 GBP EUR) 1.15450 Exchange rate markup 22.67 GBP Cost of transfer 42.67 GBP

	1,131.12 EUR- 48.07 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.13112 Exchange rate markup 42.45 GBP Cost of transfer 42.45 GBP

	1,131.12 EUR- 48.07 EUR
Transfer fee 0 GBP Exchange rate(1 GBP EUR) 1.13112 Exchange rate markup 42.45 GBP Cost of transfer 42.45 GBP

	1,128.94 EUR- 50.25 EUR
Transfer fee 2.99 GBP Exchange rate(1 GBP EUR) 1.13232 Exchange rate markup 41.44 GBP Cost of transfer 44.43 GBP

This applies when you pay in via

bank transfer or ACH payments.

How do we collect this data?

Wise: Online Money Transfers | International Banking Features (21)

Send money abroad in 3 easy steps

Enter amount to send in GBP.

Pay in GBP with your debit card or credit card, or send the money from your online banking.

Choose recipient.

Select who you want to send money to and which pay-out method to use.

Send GBP, receive EUR.

The recipient gets money in EUR directly from Wise’s local bank account.

Create free account now

Wise: Online Money Transfers | International Banking Features (25)

Get dedicated support for large transfers

Moving big money? Get our how to guide and start a chat with our team of large-amount experts.

Get started with large transfers

How to send money abroad

Just tap in how much, and where to.
Then make a local payment to Wise, whether it's with a bank transfer, Swift or your debit or credit card.
And that's it.

Wise converts your money at the 'inter-bank' rate – the real rate – so you save big time (even versus the guys saying there's 'zero' commission). On Wise, there's no room for sneaky bank surcharges or creeping hidden charges.

How much does it cost to send money abroad?

Pay a small, flat fee and percentage

To send money in GBP to EUR, you pay a small, flat fee of 0.59 GBP + 0.33% of the amount that's converted (you'll always see the total cost upfront). See our transfer calculator.

Fee depends on your chosen transfer type

Some transfer types have different fees which are usually tiny.

No hidden fees

No big fees, hidden or otherwise. So it's cheaper than what you're used to.

Fees for our low cost transfers

Fixed fee

0.59 GBP

Variable feeup to 100,000 GBP/month

0.33%

Variable feemore than 100,000 GBP/month

Discount applies

How long will a money transfer take?

On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

Sometimes, different payment methods or routine checks may affect the transfer delivery time. We’ll always keep you updated, and you can track each step in your account.

Your transfer route

GBP

EUR

Should arrive

in 8 hours

How to send money with Wise

Register for free.

Choose an amount to send.

Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.

Add recipient’s bank details.

Fill in the details of your recipient’s bank account.

Verify your identity.

For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.

Pay for your transfer.

Send your money with a bank transfer, or a debit or credit card.

That’s it.

We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.

Best ways to send money internationally

PISP
PISP (Payment Initiation Service Provider) payments are instructions you give Wise to make a bank transfer directly from your bank account — without having to leave our app and log in to your online banking. This option is as cheap as a manual bank transfer, but it isn’t supported by all banks yet.
Bank Transfer
Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money.
Read more how to use bank transfers as a payment option.
Debit Card
Paying for your transfer with a debit card is easy and fast. It’s also usually cheaper than credit card, as credit cards are more expensive to process.
Read more about how to pay for your money transfer with a debit card.
Credit Card
Paying for your transfer with a credit card is easy and fast. Wise accepts Visa, Mastercard and some Maestro cards.
Read more about how to pay for your money transfer with a credit card.
Swift
Using Swift to fund your transfer usually means that your transfer will take longer and be more expensive, as your bank will charge a fee. You should also bear in mind that other correspondent banks in between may also deduct their handling fees. Your bank should be able to advise on those fees.
Apple Pay
If you’ve enabled Apple Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Apple Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.
Google Pay
If you’ve enabled Google Pay on your phone, you can use it to pay for a transfer with Wise. Paying with Google Pay is a convenient and quick way to send money abroad. If you’re using a credit card, watch out for extra charges. Some banks consider these payments as cash withdrawal, and they may charge you extra fees.

Protecting you and your money

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.

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.

Wise: Online Money Transfers | International Banking Features (31)

Send money abroad with the Wise app

Looking for an app to send money abroad? Send money, receive payments from abroad, check exchange rates – all in one app.

Cheaper transfers abroad - free from hidden fees and exchange rate markups.
Check exchange rates - see on the app how exchange rates have changed over time.
Repeat your previous transfers - save the details, and make your monthly payments easier.

Learn more about the Wise app