Wise

Wise is an international money transfer service that uses the real mid-market exchange rate instead of the marked-up rates banks often use. It's the go-to way to send money abroad, pay in foreign currencies, or hold balances in multiple currencies.

Key Features

• Real exchange rate: the mid-market rate, exactly as you see on Google.
• Low, transparent fees: a small fixed fee plus a tiny percentage — shown upfront.
• Hold 40+ currencies: keep money in USD, EUR, GBP and many more.
• Multi-currency account: get local account details to receive money like a local.
• Wise card: spend abroad at the real rate with low-cost ATM withdrawals.
• Send to 160+ countries: transfers reach most accounts in hours.
• Business account: for freelancers and companies paying suppliers and staff worldwide.

Pricing

• Free to open: no monthly fee, no subscription.
• Per transfer: a fee based on route and payment method, usually around 0.3–2% — often far less than bank wire fees.

Getting Started

Go to wise.com, sign up for free, add your recipient and start your first transfer to see the exact fee before you pay.