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.