{"id":2209,"date":"2015-10-27T22:49:07","date_gmt":"2015-10-27T22:49:07","guid":{"rendered":"http:\/\/www.finder.com\/uk\/?page_id=2209"},"modified":"2026-07-30T12:07:17","modified_gmt":"2026-07-30T11:07:17","slug":"wise","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/international-money-transfers\/wise","title":{"rendered":"Wise review"},"content":{"rendered":"<h3>How much does Wise cost?<\/h3><p>As long as you\u2019re sending pound sterling, Wise\u2019s fees are the same no matter what country you are sending to from the UK. Fees are determined by the following:<\/p><ul><li><strong>Amount.<\/strong> The more money you send, the higher your fees will be. This is because the fees are based on a preset percentage. Each currency uses its own percentage.<\/li><li><strong>Payment method.<\/strong> You can pay by bank account, a GBP account outside of the UK, debit card or credit card.<\/li><li><strong>Location.<\/strong> Transfer fees may change if you are travelling abroad and sending money from other countries.<\/li><\/ul><h4>Wise fees explained<\/h4><p>The fee is made up of a percentage of the transfer amount, plus a small fixed fee that will vary depending on whether you opt for a fast transfer, paying with your debit or credit card, or a low-cost transfer, paying via your bank account.<\/p><p>To give this more context, here is what sending \u00a31,000 to Germany through Wise looks like on 26 March 2024:<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th><\/th><th>Fixed fee<\/th><th>Variable fee<\/th><th>Total fees<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fast transfer<\/th><td>\u00a30.21<\/td><td>\u00a38.44<\/td><td>\u00a38.65<\/td><\/tr><tr><th scope=\"row\">Low-cost transfer<\/th><td>\u00a30.21<\/td><td>\u00a34.28<\/td><td>\u00a34.49<\/td><\/tr><\/tbody><\/table><p>And here\u2019s what you\u2019d pay if you wanted to send \u00a31,000 to India:<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th><\/th><th>Fixed fee<\/th><th>Variable fee<\/th><th>Total fees<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fast transfer<\/th><td>\u00a30.28<\/td><td>\u00a39.64<\/td><td>\u00a39.92<\/td><\/tr><tr><th scope=\"row\">Low-cost transfer<\/th><td>\u00a30.28<\/td><td>\u00a35.48<\/td><td>\u00a35.76<\/td><\/tr><\/tbody><\/table><p>Wise\u2019s fees are transparent and always visible when you\u2019re calculating or making a transfer, so you won\u2019t be surprised by hidden fees.<\/p><h3>What exchange rate does Wise use?<\/h3><p>Wise uses the mid-market rate for transfers. Its rates are updated multiple times a day and Wise even also allows you to lock in a rate for a day or more to complete your transfer.<\/p><p>Sometimes called the interbank rate, the mid-market rate is what your money\u2019s actually worth on the global market compared to another currency. It\u2019s the midpoint between worldwide supply and demand for that currency \u2013 and the rate banks and transfer services use when they trade among themselves. When we checked Wise\u2019s rates against the mid-market rate on Google and Xe, they were similar.<\/p><h3>What are the ways I can send money with Wise?<\/h3><p>If you send a money transfer through Wise, the funds are deposited directly into your recipient\u2019s bank account once Wise receives your payment. Wise does not support cash pick-ups.<\/p><p>Choose your currency and desired transfer amount. Exchange rates change frequently, so visit Wise\u2019s site to get a final quote.<\/p><div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\" data-niche=\"UKFMT\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"\" data-template=\"comparison\" data-niche=\"UKFMT\" data-site=\"UKFMT\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"homepage-table\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"2209\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFMT\",\"fieldset\":\"homepage-table\",\"template\":\"comparison\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1794058527}' data-disable-alternative-products=\"true\" data-post-redirect-alternative-products-enabled=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"\" data-niche-default-path=\"\" data-experiment-flags=\"\"><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-\">1 of 1 result<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated regularly<\/span><\/a><\/span><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-mobile-compare=\"true\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKFMT\" data-site=\"UKFMT\" data-table-id=\"2411\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKFMT\",\"fieldset\":\"homepage-table\",\"template\":\"comparison\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1794058527}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukfmt\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"1\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"5557b7cef99dcb311c945c92211ddc69c36728271cf9133b446462adab6f70cd\" data-table-record-type=\"product\" data-table-record-ids='[\"d9fc7f73-f003-4f14-ac00-275a1d8e514b\"]' data-total-data=\"1\" data-enable-top-filters=\"false\" data-gte-enabled-variants=\"table_share_pill_1\" data-total-product-count=\"1\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-3\"><th data-mobile=\"hide\" data-desktop=\"hide\" data-ajax-table-sorter-column=\"UKFMT.PRODUCT.FILTER_VALUES\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"filter_values\">\n                                                        Filter values\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKFMT.PRODUCT.TRANSFER_SPEED_COL1\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"fastest_transfer_speed\">\n                                                        Fastest transfer speed\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKFMT.PRODUCT.BIG_FEE_TEXT\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"fees\">\n                                                        Fees (pay by bank transfer)\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKFMT.PRODUCT.SPECIAL_OFFER_CTA\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"learn_more\">\n                                                        Learn more\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><\/tr><\/thead><tbody><tr data-product-id=\"d9fc7f73-f003-4f14-ac00-275a1d8e514b\" data-provider-id=\"89c19961-5581-4a88-96fc-169452fd6d25\" data-product-name=\"Wise (TransferWise)\" data-provider-name=\"Wise\" class=\"grid-column-count-3  mobile-column-count-3 mobile-row-count-4  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/wise\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6407e175bfc3a.png\" alt=\"Wise logo\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6407e175bfc3a.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6407e175bfc3a.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6407e175bfc3a.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6407e175bfc3a.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6407e175bfc3a.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/wise\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">Wise (TransferWise)<\/a><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        \" data-mobile=\"hide\" data-desktop=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukfmt.product.filter_values\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Filter values\"><script class=\"template-table-filters__productValues is-hidden\" type=\"application\/json\">{     \"under10000\": true  ,         \"over10000\": false  ,         \"Business\": false    }<\/script><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                rounded-bottom-left\n                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukfmt.product.transfer_speed_col1\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fastest transfer speed\"><span class=\"text-xxx-large\">Within minutes<\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\" data-column-index=\"3\" data-decorator=\"text,ukfmt.product.big_fee_text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Fees (pay by bank transfer)\"><span class=\"text-xxx-large fmt-fee\">From 0.41%<\/span><span class=\"table-popover has-padding-left-xsmall\" rel=\"popover\" data-content=\"Always look at both the exchange rate and fees when comparing transfer costs. Paying by bank transfer is often cheapest but slowest.\" title=\"\" data-original-title=\"\" style=\"vertical-align: top;\"><\/span><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukfmt.product.special_offer_cta\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Learn more\"><section class=\"hero-rates__cta\"><div class=\"applylinks UKFMT has-margin-top-small\"><a class=\"luna-button luna-button--success luna-button--cta\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/wise-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKFMT%22%2C%22fieldset%22%3A%22homepage-table%22%2C%22template%22%3A%22comparison%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221794058527%22%2C%22position%22%3A%221%22%2C%22product_name%22%3A%22Wise%2B%2528TransferWise%2529%22%2C%22product_id%22%3A%22d9fc7f73-f003-4f14-ac00-275a1d8e514b%22%2C%22offer_id%22%3A%2226826%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22post_id%22%3A%222209%22%2C%22post_path%22%3A%22international-money-transfers%252Fwise%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"_blank\">Go to site<\/a><\/div><\/section><br><a href=\"#\" style=\"margin: -15px auto 2px !important\" class=\"js-comparison-table__view-details-button comparison-table__view-details-button\" title=\"Read More About The Wise (TransferWise)\"><span>View details<\/span><svg class=\"luna-icon luna-icon--primary luna-icon--smalll\"><path d=\"M7.41 7.84L12 12.42l4.59-4.58L18 9.25l-6 6-6-6z\"><\/path><path d=\"M0-.75h24v24H0z\" fill=\"none\"><\/path><\/svg><\/a><style>    .promobox {background: #DEF3F0;border: 1px solid #3E8778;box-sizing: border-box;border-radius: 10px;  padding: 5px;  margin: 0px 0px 10px;  }  <\/style><\/div><\/td><td class=\"comparison-table__feature comparison-table__feature--description comparison-table__feature--longtext sorter-false \" data-sortvalue=\"\" data-mobile=\"\" data-desktop=\"\"><div class=\"comparison-table__cellWrapper comparison-table__product-description js-calculator-table-value\" data-heading=\"Product Description\"><strong>Wise<\/strong> uses the mid-market rate and transparent fees to help you send money in 45+ currencies.\n                  <\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer hide-comparison-table__paginationContainer\"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"\">Load More<\/button><div class=\"js-show-more-data_count- comparison-table__dataCount\">Showing\n\t\t\t1\n\t\t\tof\n\t\t\t1\n\t\t\tresult\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKFMT\" data-rewards-component=\"compare-products\"><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<h3>How long does a Wise money transfer take?<\/h3><p>Wise transfer speeds can be near-instant or take up to 4 business days. Speeds are dependent on how much you are willing to pay in fees, where you\u2019re sending to and when you send your transfer.<\/p><ul><li><strong>Fast transfer: instant<\/strong><br>When using a credit or debit card, you\u2019ll pay more in fees, but your money can arrive in your recipient\u2019s bank account instantly or within a few hours.<\/li><li><strong>Low-cost transfer: up to 4 business days<\/strong><br>Paying for your transfer through your bank account is typically the cheapest way to send money through Wise, but it\u2019s almost always the slowest. It typically takes up to 2 days for Wise to receive your money and up to an additional 2 days to transfer the funds to your recipient\u2019s bank account.<\/li><\/ul><h3>How do I send money through Wise?<\/h3><p>Follow these 6 steps to send money with Wise:<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Step 1: Create an account<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Create your free account online or through the mobile app.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Step 2: Enter your sending amount<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Look at the fees and delivery time.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Step 3: Add recipient's info<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Make sure to include the correct banking account details.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">Step 4: Verify your identity<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Have your passport or valid driver\u2019s licence ready.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Step 5: Pay<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Enter your bank account, debit or credit card details to pay.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Step 6: Track your transfer<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Check the status online or in the mobile app.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><p>If you are ready to make your transfer with Wise now, head on over to get started by creating your free account.<\/p><section class=\"hero-rates__cta\">\r\n  \r\n    <a class=\"luna-button luna-button--success luna-button--cta has-margin-bottom-xsmall\" rel=\"nofollow\" href=\"https:\/\/www.finder.com\/redirect\/uk\/money-transfer\/wise-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22d9fc7f73-f003-4f14-ac00-275a1d8e514b%22%2C%22product_name%22%3A%22Wise%2B%2528TransferWise%2529%22%2C%22offer_id%22%3A%2226826%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.CALL_TO_ACTION%22%2C%22niche_code%22%3A%22UKFMT%22%2C%22post_id%22%3A%222209%22%2C%22post_path%22%3A%22international-money-transfers%252Fwise%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"_blank\">\r\n      Go to site\r\n    <\/a>\r\n\r\n  \r\n<\/section><h3>What payment options can I use with Wise?<\/h3><p>When it comes to paying for your money transfer, Wise supports a few different options for UK customers:<\/p><ul><li><strong>Debit or credit card.<\/strong> These payments reach Wise immediately.<\/li><li><strong>Bank transfer.<\/strong> This option can be slower to arrive at Wise than other options.<\/li><li><strong>Google Pay and Apple Pay.<\/strong> These services can be used through the Wise mobile app and are processed straight away. However, these payment methods may be charged as a cash advance.<\/li><li><strong>A connected Wise borderless account.<\/strong> This works like a multicurrency account and is good for businesses, traders and people living abroad.<\/li><\/ul><p>Wise allows you to make secure one-off transfers to a range of destinations around the globe. There is also an option to set up recurring transfers.<\/p><h3>Is Wise safe to use?<\/h3><p>Wise was founded in 2010 and serves millions of customers each year. Wise is fully registered and accredited by many global agencies, using the following global standards to protect your money:<\/p><ul><li><strong>Follows strict rules set by regulatory agencies.<\/strong> In every country where Wise operates, it is registered with the appropriate regulatory agencies when necessary.<\/li><li><strong>Bank-level data security.<\/strong> Encryption and data storage at Wise are handled in the same way as your bank.<\/li><li><strong>Two-factor authentication.<\/strong> Protect your account with 2FA, with optional biometric locks on the Wise mobile app.<\/li><li><strong>In-house 24\/7 digital security team.<\/strong> A security team works around the clock to monitor transactions for suspicious activity and accounts for fraudulent logins.<\/li><\/ul><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Full list of Wise's global regulations<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Country<\/th><th>Registered with\/regulated by<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Australia<\/th><td>Australian Securities and Investments Commission (ASIC), Financial Intelligence Unit (AUSTRAC)<\/td><\/tr><tr><th scope=\"row\">Belgium and the European Economic Area (EEA)<\/th><td>National Bank of Belgium (NBB) as an Authorised Payment Institution<\/td><\/tr><tr><th scope=\"row\">Brazil<\/th><td>Wise Brasil Corretora de C\u00e2mbio Ltda. is an exchange brokerage firm authorised by the Central Bank of Brazil<\/td><\/tr><tr><th scope=\"row\">Canada<\/th><td>Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), Authorit\u00e9 des March\u00e9s Financiers (AMF)<\/td><\/tr><tr><th scope=\"row\">Hong Kong<\/th><td>Customs and Excise Department (CCE) of Hong Kong<\/td><\/tr><tr><th scope=\"row\">India<\/th><td>Reserve Bank of India (RBI)<\/td><\/tr><tr><th scope=\"row\">Indonesia<\/th><td>PT Wise Payments Indonesia is licensed by Bank Indonesia as a Fund Transfer Operator<\/td><\/tr><tr><th scope=\"row\">Israel<\/th><td>Wise ILS Ltd. is authorised by the Capital Market Insurance and Savings Authority as a Financial Asset Service Provider<\/td><\/tr><tr><th scope=\"row\">Japan<\/th><td>Kanto Local Financial Bureau<\/td><\/tr><tr><th scope=\"row\">Malaysia<\/th><td>Bank Negara Malaysia (Central Bank of Malaysia)<\/td><\/tr><tr><th scope=\"row\">New Zealand<\/th><td>Department of Internal Affairs (DIA)<\/td><\/tr><tr><th scope=\"row\">The Philippines<\/th><td>Wise Pilipinas Inc. is licensed by the Bangko Sentral Ng Pilipinas (BSP) as a Remittance and Transfer Company (RTC) with a Type \u201cC\u201d Electronic Money Issuer (EMI)\/Money Changing (MC)\/Foreign Exchange Dealing (FXD) registration.<\/td><\/tr><tr><th scope=\"row\">Singapore<\/th><td>The Monetary Authority of Singapore (MAS)<\/td><\/tr><tr><th scope=\"row\">United Kingdom and the European Economic Area (EEA)<\/th><td>UK Financial Conduct Authority, The Information Commissioner\u2019s Office<\/td><\/tr><tr><th scope=\"row\">United States<\/th><td>Financial Crimes Enforcement Network (FinCEN)<\/td><\/tr><tr><th scope=\"row\">United Arab Emirates (UAE)<\/th><td>Abu Dhabi Global Market (ADGM), Financial Services Regulatory Authority (FSRA)<\/td><\/tr><\/tbody><\/table><\/div>\n  <\/div>\n<\/li><\/ul><h3>Does Wise have a mobile app?<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/4@s\"><p><img decoding=\"async\" title=\"Image: Supplied\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/07\/TransferWiseScreenshot_Supplied_170x350.png\" alt=\"Screenshot of Wise's app\" class=\"aligncenter size-full wp-image-1420510\" width=\"170\" height=\"338\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/07\/TransferWiseScreenshot_Supplied_170x350.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/07\/TransferWiseScreenshot_Supplied_170x350.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2020\/07\/TransferWiseScreenshot_Supplied_170x350.png?fit=510 510w\" sizes=\"(max-width: 510px) 100vw, 510px\" loading=\"lazy\"><\/p><\/div><div class=\"u-grid__col u-3\/4@s\"><p>Wise has a mobile app on both the Google Play and Apple App stores. The app makes it possible to do the following:<\/p><ul><li><strong>Quickly repeat a transfer.<\/strong> See a complete list of past money transfers and send to past recipients in a few taps.<\/li><li><strong>Log in with biometrics.<\/strong> On phones that support face scanning and thumbprint reading, use these features to lock your Wise account.<\/li><li><strong>Get rate updates.<\/strong> Waiting for the perfect exchange rate? Set up rate tracking to get updates when the price is in your favour.<\/li><li><strong>Increase your payment methods.<\/strong> Pay for your Wise transfer with Apple Pay and Google Pay while using the mobile app.<\/li><\/ul><p>You can set up fingerprint login too, which saves a bit of hassle.<\/p><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th>Platform<\/th><th>Rating<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th>Google Play Store<\/th><td>4.8 out of 5 \u2013 based on over 1m customer ratings<\/td><\/tr><tr><th>Apple App Store<\/th><td>4.7 out of 5 \u2013 based on over 79,000 customer ratings<\/td><\/tr><\/tbody><\/table><p>On TrustPilot Wise scores 4.3 out of 5, based on over 230,000 reviews. Those reviews encompass Wise\u2019s whole service \u2013 not just the app. Wise\u2019s TrustPilot reviews are very positive overall, with 82% of reviews on ranking it as <strong>Excellent<\/strong>, which is better than many competing money transfer companies. Overall, Wise\u2019s clear fee structure and transparent rates make it easy to trust, but that doesn\u2019t mean it is perfect. Customers often complain about slow customer service and turnaround times as well as the fact that missing a dash in your transfer account number can heavily delay your transfer.<\/p><p>Ratings accurate as of 1 October 2024.<\/p><\/div><\/div><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/international-money-transfer-apps\">The best money transfer apps<\/a><\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/sites-like-wise\">Find alternatives to Wise<\/a><\/p><h4>Want to compare Wise to other services side-by-side?<\/h4><ul><li><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/wise-vs-monzo\">Wise vs Monzo<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/remitly-vs-wise\">Wise vs Remitly<\/a><\/li><li><a href=\"https:\/\/www.finder.com\/uk\/digital-banking\/revolut-vs-wise\">Wise vs Revolut<\/a><\/li><\/ul><h3 id=\"faq\">Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000003\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000003\">\n                <span class=\"luna-accordion__title\">Does Wise have a debit card?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000003\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, Wise has a debit card in the UK, which lets you spend any currency on your card and use it to withdraw money across the world for free (up to \u00a3200 a month). You can find out more about our experience with it in the video below.<\/p><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"VZ1EGqNk7go\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/VZ1EGqNk7go\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/VZ1EGqNk7go\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/VZ1EGqNk7go\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">4:24<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-VZ1EGqNk7go\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000004\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000004\">\n                <span class=\"luna-accordion__title\">What currencies can I send with Wise?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000004\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Wise offers money transfers to over 50 different currencies from the UK. You can check out the <a class=\"scroll\" href=\"#infobox\">full list of the currencies above<\/a>, but the following are some of the more popular ones:<\/p><ul><li><strong>EUR<\/strong> Euro<\/li><li><strong>INR<\/strong> Indian rupee<\/li><li><strong>AUD<\/strong> Australian dollar<\/li><li><strong>CNY<\/strong> Chinese yuan<\/li><li><strong>KES<\/strong> Kenyan shilling<\/li><li><strong>PKR<\/strong> Pakistani rupee<\/li><li><strong>NZD<\/strong> New Zealand dollar<\/li><li><strong>USD<\/strong> United States dollar<\/li><\/ul>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000005\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000005\">\n                <span class=\"luna-accordion__title\">How do I reach Wise's customer service?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000005\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Wise offers support in two ways:<\/p><h4>By email<\/h4><p>To contact Wise by email, visit the <strong>Contact Us<\/strong> page and enter your email address, select the topic of the question and provide as much detail as possible about your problem.<\/p><h4>By phone<\/h4><p>Wise provides phone support in 12 regions, including the UK. Both standard users and Wise Business users can contact support during business hours.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000006\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000006\">\n                <span class=\"luna-accordion__title\">How can I cancel my Wise transfer?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000006\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>In your account, go to the pending transfer and there'll be a button called <strong>Cancel transfer<\/strong>. This will work if the money is still being sent to Wise or if it's being converted. However, once Wise pays your recipient, there's no way to get it back. If the details are incorrect, the money will usually bounce. Wise will let you know in this case, so you'll have the opportunity to update the details or cancel the transaction entirely.<\/p><p>Always make sure you trust the business or person you're sending a money transfer to.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Read our Wise review to see the exchange rates, fees and what to expect when you send a transfer.<\/p>\n","protected":false},"author":826,"featured_media":481253,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"wise reviews","_yoast_wpseo_title":"Wise review: Is Wise still worth it since raising its fees?","_yoast_wpseo_metadesc":"We review Wise and its costs including exchange rates to help you decide if it's the right choice for your next international money 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06:50:53\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated our rundown of Wise&#39;s online reviews.\"}","_last_major_update":"{\"isOn\":true,\"date\":\"14\/01\/2020\"}","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[13],"tags":[],"asset_tag":[],"class_list":["post-2209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-international-money-transfers"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Wise review: Is Wise still worth it since raising its fees?<\/title>\n<meta name=\"description\" content=\"We review Wise and its costs including exchange rates to help you decide if it&#039;s the right choice for your next international money transfer.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/wise\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Wise review\" \/>\n<meta property=\"og:description\" content=\"We review Wise and its costs including exchange rates to help you decide if it&#039;s the right choice for your next international money transfer.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/international-money-transfers\/wise\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2015-10-27T22:49:07+00:00\" \/>\n<meta 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