Does Wise charge international fees

Wise does charge fees for international transfers and currency conversion, but they are shown upfront and Wise adds no hidden markup to the exchange rate.

Wise has no subscriptions or plans, so you pay only for the services you use. The costs depend on whether you are sending, spending or receiving money.

• Exchange rate: Wise converts at the mid-market exchange rate, the same rate shown on Google, without adding a forex margin.
• International transfers: Sending money abroad costs a small fixed fee plus a variable percentage that depends on the currencies involved.
• Card spending abroad: The Wise card carries no foreign transaction fee when you already hold the local currency in your account. If the card has to convert currency at the time of purchase, a low conversion fee applies.
• Receiving money: According to the Wise Help Centre, receiving domestic payments is free in all currencies except USD wires. International SWIFT or wire payments can carry a small fixed fee that varies by currency.

Because the percentage part of the transfer fee changes with the currency pair, the total cost differs from route to route. A general Wise overview gives the structure, but the amount for a given transfer comes from the Wise pricing calculator, where you enter the currencies and the amount.

Before sending or converting, check the fixed fee, the variable percentage and the mid-market rate shown for your route, and confirm whether any receiving fee applies to the currency you expect.