Does Wise charge monthly fees

No, Wise does not charge monthly fees, subscriptions or account maintenance fees, and you pay only for the transactions you actually make.

Wise's official pricing pages across regions describe the same model: there are no plans or subscriptions, and costs apply to specific actions such as sending or converting money. For a broader Wise overview, the fee structure breaks down as follows:

• Opening an account: Creating a Wise account is free.
• Holding money: Keeping a balance in your account does not carry a fee.
• Sending and converting money: Fees depend on the currency and payment method, and the cost is shown before you confirm the transfer.
• ATM withdrawals: Withdrawals are free up to a monthly limit that varies by region, for example 250 USD, GBP or EUR, after which a small percentage plus a fixed fee applies.
• Debit card: A one-time fee to order the physical card may apply in some regions, with no recurring card charge.

Because transaction fees differ by country and currency, check the Wise pricing page for your region before sending money, and look at the fee shown on the confirmation screen for each transfer.