Wise Recenzia 2026

Wise fees at a glance (2026)

Spending a currency you already hold with the Wise card is free. The digital card costs nothing. ATM operators may add their own fees.

What Wise really costs: worked examples

All transfer figures are from Wise’s price calculator on 28 October 2026, paying in by bank transfer unless stated. Wise’s fee is a small fixed amount plus a percentage that depends on the currency route, and the percentage falls on larger amounts.

Rates move constantly, so the amount received changes from minute to minute; the fee percentage stays stable.

How you pay in matters more than you think

Paying for the same £1,000-to-euros transfer by debit card cost £6.96, and by Apple Pay, Google Pay or credit card £25.92, against £3.81 by bank transfer. In the US, paying $1,000 by debit card cost $16.05 against $9.87 by wire. Fund transfers by bank transfer, or from money already in your Wise balance, whenever you can.

Spending €800 on holiday with the Wise card

If you already hold euros in Wise, the card payments cost nothing. If the card converts pounds at the till, you pay Wise’s conversion fee, about 0.33% for pounds to euros on our check date, so roughly £2.20 on the £670 it takes to buy €800. The fee is the same on weekdays and weekends.

Taking out €400 in cash

A eurozone customer pays nothing on the first €250 in a month and 2.69% on the remaining €150, so €4.04. A UK customer withdrawing the equivalent of £335 pays 2.69% on £85, so £2.29, plus the conversion fee if the card has to convert pounds.

Getting paid in other currencies

This is where Wise is hardest to beat. You can hold more than 40 currencies and get local account details in AUD, CAD, EUR, GBP, HKD, HUF, NZD, SGD and USD (USD details are not available in every country). A US client can pay you by ACH, a European one by SEPA and a British one by Faster Payments, and domestic payments into those details arrive free, except USD wires at $6.11. Payments that arrive by SWIFT cost 6.11 USD, 2.16 GBP or 2.39 EUR.

You then decide when to convert, at the mid-market rate, or keep the money in that currency and spend it with the card at no cost.

Who Wise is for, and who should look elsewhere

• Good fit: freelancers and remote workers paid by foreign clients, expats who move money between two countries, families sending money abroad regularly, and travellers who want a card that converts at the mid-market rate on any day of the week.
• Good fit: anyone who wants to see the full price before paying. Wise shows the fee and the amount received upfront.
• Less suited: people who take out a lot of cash abroad (only £250, €250 or $250 a month is free), people who want a full current account with overdraft or credit, and anyone who needs bank deposit insurance on large balances.
• Less suited: very large one-off transfers where a specialist broker might quote a narrower margin. Get a second quote and compare the amount received.

Where you can open Wise

Wise operates through regulated companies in the UK, the EU, the US and other regions. The Wise card is offered to residents of the UK, the EEA, Switzerland, the US, Canada, Australia, New Zealand, Japan, Singapore, Malaysia, the Philippines, Brazil and Thailand (Thai accounts only if registered from 21 January 2026). Cards issued in the US can only be activated in the US. Wise says you can pay with your phone using Apple Pay or Google Pay.

Is Wise safe?

Wise is regulated in every region where it operates, but it is not a bank. In the UK, Wise Payments Limited is an e-money institution authorised by the FCA; in the EU, Wise Europe SA is a payment institution supervised by the National Bank of Belgium; in the US, Wise US Inc. is registered with FinCEN as a money transmitter.

Customer money is safeguarded, which means it is kept separate from Wise’s own funds. That is not the same as deposit insurance: Wise balances are not covered by the FSCS in the UK, the Belgian deposit guarantee in the EU or direct FDIC insurance in the US. For large long-term savings, a bank account with deposit protection is the safer place; Wise works best as a transit and multi-currency account.

Our verdict on Wise

Wise remains the most transparent way to move and hold money in several currencies. If you send money abroad, get paid by foreign clients or travel often, it is worth having, especially as it costs nothing to keep. Pair it with a bank account for your salary and savings, fund transfers by bank transfer rather than by card, and watch the ATM allowance if you rely on cash.

Sources

Every fee on this page was checked against these official provider pages on 28 October 2026.

• Wise — pricing (UK)
• Wise — pricing (US)
• Wise — pricing (Germany)
• Wise — card (UK): Apple Pay, Google Pay and free ATM allowance
• Wise — card fees (UK)
• Wise — card fees (US)
• Wise — card fees (Germany)
• Wise — price calculator quote (GBP to EUR, 1,000)
• Wise — price calculator quote (GBP to USD, 1,000)
• Wise — price calculator quote (EUR to USD, 1,000)
• Wise — price calculator quote (EUR to GBP, 1,000)
• Wise — price calculator quote (USD to EUR, 1,000)
• Wise — price calculator quote (GBP to EUR, 10,000)
• Wise — US long-form fee disclosure
• Wise Help — currencies you can hold and receive
• Wise Help — fees for receiving money by SWIFT
• Wise Help — where the Wise card is available
• Wise Help — UK safeguarding (Wise Payments Ltd)
• Wise Help — EU safeguarding (Wise Europe SA)
• Wise Help — US entity (Wise US Inc.)