How does Wise determine its fees?

Wise fees depend on three main factors:
The amount you send
How you pay
The exchange rate

Amount sent: Wise charges a percentage of the amount you send. This varies by currency. For smaller transfers, a minimum fee may apply.

Payment method: Fees can vary based on how you pay (for example, bank transfer or card). You’ll see the cost for each option when you set up your transfer.

Exchange rate: Wise uses the mid-market exchange rate.This rate can change over time.

For more details, including guaranteed rates for some currencies, see Wise’s pricing information.