Does Wise charge a fee

Yes, Wise charges a fee for some services, such as sending or converting money, but registering an account and holding money in it are free.

Wise has no subscriptions or plans, so you pay only for the services you actually use. In a short Wise overview, these are the common charges:

• Account registration: Signing up for a Wise account costs nothing.
• Holding balances: Keeping money in your account is free for most currencies.
• Sending and converting money: The fee depends on the currency and how you pay, and it usually starts at about 0.33% plus a small fixed amount. Conversions are done at the mid-market exchange rate.
• ATM withdrawals: Withdrawals are usually free up to a monthly limit, which ranges from about $100 to $250 in USD, CAD or GBP depending on your region. A small percentage fee applies once you go past that limit.
• Debit card: Ordering a Wise card involves a one-time fee that varies by country.

Because Wise pricing differs by country, currency pair and payment method, the Wise pricing calculator for your region shows the current, exact fees.