Choose a currency for your account details
Account details let you receive payments and salary, as well as set up Direct Debits. Each currency comes with local details.
US dollar
USD account details come with: Routing number (ACH or ABA), account number and Swift/BIC.
Terms of Use
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Wise Fees
Monthly fee
$0
Per purchase
$0
ATM withdrawal (in-network or out-of-network)
$1.50* (up to $100 in a calendar month)
2% (over $100 in a calendar month)
Cash reload
N/A
ATM balance inquiry
(in-network or out-of-network)
$0
Customer service
(automated or live agent)
$0
Inactivity
(after 12 months with no transactions)
$0
We charge other types of fees.
Here are some of them:
Electronic withdrawal
$1.13
Add to balance via ACH direct debit
0.25%
Wise customer funds are not directly FDIC insured; however, in some instances eligible balances receive passthrough FDIC insurance. Funds that are not subject to FDIC passthrough insurance may be lost in the event that Wise fails. Wise takes protecting customer funds seriously. For more information on how we protect customer funds - click here: https://wise.com/help/articles/5toCJQjm9MkTs8bEKSm30O/how-our-us-entity-wise-us-inc-protects-customer-funds.
No overdraft/credit feature.
Contact Wise US by calling 1-888-908-3833, by mail at 30 W 26th St, New York, NY 10010 or visit www.wise.com/help.
For general information about prepaid accounts, visit cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.
Opening and holding an account
| Account setup | Free | No fee to set up an account |
| Open a Wise Account | Free | It's free to open a Wise Account |
| Monthly fee | Free | There's no monthly fee for a Wise Account, even if you're inactive (no transactions for 12 months) |
| Holding Eligible Currencies | Free | Holding money in your Wise Account is free |
| Customer Service (automated) | Free | Find free support online at wise.com/help |
| Customer Service (live agent) | Free | It's free to speak with one of our agents |
Card Services
| Ordering a Wise Card (physical) [When available] | $9.00 | No subscription fee(s) |
| Ordering a Wise Card (digital) [When available] | Free | No subscription fee(s) |
| Lost or Damaged Card Replacement | $5.00 | Fee for replacing a lost or damaged card. There is no fee to replace an expired card. |
| ATM Balance Inquiry | Free | Wise does not charge a fee for ATM balance inquiries. You may be charged a fee by the ATM operator. |
| ATM Withdrawals (Domestic and International) | $1.50 for withdrawals up to $100 in a calendar month. 2% for withdrawals above $100 in a calendar month. |
No fee for first two withdrawals less than $100 total. After the first two, $1.50 per withdrawal plus 2% for withdrawing more than $100 total. Fee amount varies by ATM operator. You may be charged an additional amount by the ATM operator even if you don't complete a transaction. |
| International Transaction | From $0.00 | As long as you have a Wise Account balance in the currency you are spending, there is no fee when paying with your Wise Card in that currency. If you do not have a balance in the currency you are spending, a currency conversion fee will be applied (see "Currency Conversion" section below for range of fees). |
Currency Conversion associated fees
| Currency Conversion | From 0.22% - 4.19% | "Conversion fee" depends on the currencies of the sender and recipient. Our currency conversion fee is a variable fee based on the currencies involved in the transaction. This fee may be in addition to a "Payment method fee." |
| Wise fee | From 0.22% - 4.19% | "Wise Fee" is applicable only for same currency Send Money transfers (without using Wise balance, from external account to an external account). It's a fixed fee to cover servicing cost and bank fees incurred to support the route. |
| These fees may be shown in addition to a "Payment method fee." The presented range is the least expensive currency conversion to our most expensive. Please visit https://wise.com/us/pricing/send-money to calculate the conversion fees of your intended transaction. | ||
| Variable Volatility Fee | From 0 - 10% | Fee assessed in the event of exchange rate volatility. See here for more details https://wise.com/help/articles/2amMyWoOyhgTL0CkDcY2m4/what-are-dynamic-charges |
Sending Money
| Sending Money via SWIFT | Currency Conversion fee plus SWIFT Fees, see details | Fee varies by currency and payment method. For sending USD outside of the US, see https://wise.com/help/articles/2946451/sending-usd-to-countries-outside-the-us For sending EUR outside of the SEPA Region, see https://wise.com/help/articles/2968916/sending-eur-to-countries-outside-of-europe for details |
Funding your Wise Account and Transactions
| ACH Direct Debit | 0.25% | Fee for funding transactions or adding funds to Wise Account balance for the specific method listed. This will be charged in addition to the "Wise Fee" aka "Our fee" above if applicable. We refer to this as a "Payment Method" fee for transactions |
| Domestic Wire Transfer | $6.11 | Fee for funding transactions or adding funds to Wise Account balance for the specific method listed. This will be charged in addition to the "Wise Fee" aka "Our fee" above if applicable. We refer to this as a "Payment Method" fee for transactions |
| Debit Card | From 0.25% to 7.87% | Fee for funding transactions or adding funds to Wise Account balance for the specific method listed. This will be charged in addition to the "Wise Fee" aka "Our fee" above if applicable. We refer to this as a "Payment Method" fee for transactions |
| Credit Card | From 0.73% - 7.87% | Fee for funding transactions or adding funds to Wise Account balance for the specific method listed. This will be charged in addition to the "Wise Fee" aka "Our fee" above if applicable. We refer to this as a "Payment Method" fee for transactions |
| Withdrawing Funds from your Wise Account (electronic withdrawal) | $1.13 | The fee for withdrawing funds from your Wise Account balance to a USD bank account |
| Account Funding Transactions | 2% | Applies to transactions that include topping up e-wallets and other accounts in certain currencies, for details see https://wise.com/help/articles/2934551/what-are-the-wise-card-fees?origin=search-fees+with+wise+card |
Receiving Money
| Getting account details in 10 currencies | Free | Getting the following local account details is free for US based Consumers: Details for AUD, CAD, EUR, GBP, HUF, NZD, RON, SGD, TRY and USD |
| Receiving money into your Wise Account via ACH | Free | Receiving the following currencies into a Wise account is free: AUD, CAD, EUR, GBP, HUF, NZD, RON, SGD, TRY and USD (non-wire) |
| Receiving money into your Wise Account via Wire transfer | $6.11 | Fixed fee per incoming wire transfer to a USD account (non-ACH) |
| Receiving CAD SWIFT payments | $10.00 (CAD) | Fixed fee per payment |
| Merchant Refund | $0.00 | There are no fees for incoming payments refunded by the merchant |
Disclaimers
| Wise customer funds are not directly FDIC insured; however, in some instances eligible balances receive passthrough FDIC insurance. Funds that are not subject to FDIC insurance, may be lost in the event that Wise fails. Wise takes protecting customer funds seriously for more information on how we protect customer funds - for details see https://wise.com/help/articles/5toCJQjm9MkTs8bEKSm30O/how-our-us-entity-wise-us-inc-protects-customer-funds |
| No overdraft/credit feature |
| Contact Wise US by calling 1-888-908-3833, by mail at 30 W 26th St, New York, NY 10010 or visit www.wise.com/help. |
| For general information about prepaid accounts, visit cfpb.gov/prepaid. |
| If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint. |