Where can I use Wise

You can use Wise to send, receive and spend money internationally across more than 160 countries and 40 currencies, subject to your location and local regulations.

Wise aims to be available in most countries, and people can register and send money from most places worldwide. What you can actually do, however, depends on where you live and which Wise product you use.

• Sending and receiving money: These services work in most countries. Freelancers and businesses in India can receive international payments that are converted to INR through partner banks.
• Restricted countries: Because of international sanctions, Wise does not operate in places such as Afghanistan, Iran and Belarus, along with several other locations.
• Wise Travel Card for India residents: Residents of India can get a travel card for trips abroad after submitting travel proof such as a passport, visa and flight tickets. It holds only foreign currencies and cannot be used for domestic payments in India, Nepal or Bhutan.
• Foreign-issued Wise cards in India: A Wise debit card issued in the US, UK, EU or Australia can be used to spend or withdraw cash at ATMs in India, and it is accepted wherever Indian merchants take debit cards.

Before relying on Wise, check the Wise overview for your country, confirm whether your country of residence is supported, and review the card rules that apply to where your card was issued. Wise's Help Centre lists where cards issued in each region will not work.

Users on Reddit commonly point to Wise's transparent mid-market exchange rates as a reason they use it for cross-border payouts, though the services available to you still depend on your location and whether you want to send money, get a travel card or receive business payments.