How to pay in Wise
To pay in Wise, set up a transfer in the app or website, then fund it from your Wise balance, a bank transfer, a card or a mobile wallet.
- Start a transfer: Log in to your Wise account and select Send.
- Enter the amount: Type either how much you want to send or how much the recipient should receive.
- Add the recipient: Provide their details, such as bank information, an email address or a phone number.
- Choose a payment method: Select how you will fund the transfer from the available options.
- Review and pay: Check the fees and exchange rate, then confirm the payment.
Whether you are weighing Wise vs PayPal international payments or simply paying someone abroad, the review step lets you see the fees and exchange rate before you confirm.
- Wise balance: Use money you already hold in your Wise account, which is usually a quick way to fund a payment.
- Bank transfer: Move money from your external bank account to Wise, which is often lower in cost as a funding method.
- Debit or credit card: Enter your card details to pay instantly, noting that American Express and Discover cards are not accepted.
- Apple Pay or Google Pay: Choose the mobile wallet option when paying for the transfer.
- Wise card: Order a physical or digital Wise debit card in the app and use it to tap, insert, swipe or shop online like a regular bank debit card.
- Phone wallets: Add the Wise card to Apple Wallet or Google Wallet to pay with your phone.
- QR codes: Use the Scan button in the Wise app to pay supported merchant QR codes, such as Alipay+.