Wise Fees in the UK: Full guide [2026 updated]

Wise transfer fees

When you make a Wise international transfer the total fee you'll pay is always displayed before you confirm the transaction.

Let's look at the Wise transfer fees for 5 popular world currencies as an example:

*Details correct at time of research - 5th March 2026 About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.

Wise fee calculator

To make sure you can easily check and compare the costs of sending money, Wise has a handy transfer fee calculator, which you can access online or in the Wise app. Just enter your payment details to instantly see the full cost, the exchange rate available, and the estimated delivery time.

Here's how:

1. Select the currency you're sending to and from

2. Confirm how much you want to send, or how much you want the recipient to get

3. Choose how you'll pay for the transfer

With the Wise fee calculator you can see the variable fee as a percentage and a total, the fixed fee, and the total cost. It also shows exactly what your recipient will receive, and when it's likely to arrive in their account.

💡 Check out the Wise transfer fee calculator here, to start saving on your international transfers today.

How does Wise pricing work?

Wise has its own payment network which lets it cut down on the costs of transferring money and allows Wise to manage their pricing differently too.

As we mentioned earlier, Wise's commitments include:

• Being radically transparent about costs

• Charging as little as possible – and lowering fees over time

• Using fair pricing so you only pay for the services you use

💡 How much you pay with Wise will depend on the service you're using, how you want to pay, and the currencies involved.

⚡ However, you'll see the full fee upfront, with no hidden fees to worry about.

Wise limits 🎯

Wise money transfer limits can vary a little depending on the currencies involved. However, Wise is safe even for high value transfers, and limits are set to allow individuals and businesses to transact freely.

If you do run into a Wise limit you'll be able to get information and advice about your options easily online or by opening an in-app chat with customer services.

We've covered some popular currencies here - you can learn more online in the comprehensive range of transfer guides by currency:

*Details correct at time of research - 5th March 2026

Sending large amounts with Wise

Wise is a safe provider which is already trusted by 12 million+ customers around the world. It's popular for high value international transfers - and you can get a discount on your costs if you regularly send Wise payments for yourself or your business.

If you send more than the currency equivalent of 20,000 GBP a month you could get an automatic discount of up to 0.17%. There's no need to pre-arrange the fee, which means everyone gets the best possible deal, every time. Here's how the Wise high value payment discounts break down:

Wise account and card fees

As well as fast and secure money transfers, Wise also offers multi-currency accounts you can use to hold and exchange 40+ currencies, and a linked debit card for spending and withdrawals in 150+ countries.

You can add a balance to your Wise account yourself, or have someone else send you money using the local and SWIFT account details which come with your account.

As the Wise account is a true multi-currency account, you can receive payments in a selection of foreign currencies and hold your balance for future use.

Use your foreign currency balances for future payments to others, convert to another currency you need, or use your money to spend with your card when you're abroad.

There's no fee to spend a currency you hold enough of in your account with a Wise card - and if you don't have the currency you need you can just let the card convert for you, with the mid-market exchange rate and low fees from 0.33%.

Here's a rundown of the important fees you need to know about when using the Wise card:

*Details correct at time of research - 5th March 2026 About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.

Fees to add money to Wise Account ➕

The Wise top-up fees you pay depend on how much you want to add, and which currency you'll pay in. If you need to convert currencies to deposit them into your Wise account, a small fee will apply.

Wise account fees for holding money 💰

It's free to hold money in your Wise account. In fact, you can hold money in 40+ currencies for free including GBP AUD, NZD, USD, EUR and CAD.

Fees for sending money from your Wise account 📤

Once you hold a balance in your Wise account you can use it to send payments to 140+ countries. Fees start from 0.33%, and vary depending on the currency you're sending to and from.

Fees for receiving money into Wise account ⬇️

You can receive payments to Wise using local or SWIFT account details. The costs can vary depending on the currency and the way the sender processes the transfer:

Wise ATM fees 🏧

With Wise, you'll get withdrawals with no Wise fee* up to 250 GBP/month, and then a 2.69% fee applies on further withdrawals you make.

You can find how much is left of your free monthly ATM withdrawal allowance easily in the Wise app, so you'll always keep on top of your costs.

*Wise will not charge you for these withdrawals, but some additional charges may occur from independent ATM networks

Wise foreign transaction fees 🌐

Many bank debit or credit cards will charge a foreign transaction fee whenever you spend or make a withdrawal in a foreign currency. The exact cost depends on the card you have, but it's often about 3% of the value of the transaction. Wise does not have a foreign transaction fee. It's free to spend any currency you have in your account, as long as you have enough of that currency to cover your purchase or withdrawal cost. If you need currency conversion you'll pay a small fee from 0.33%, based on the currencies involved.

Conclusion

Wise aims to be fully transparent in its pricing. You'll see the full cost of the service you need upfront before you commit, with no hidden charges or exchange rate markups. This can be a lot to take in, but it's more transparent than bundling costs or hiding a charge in the exchange rate, which is what many other providers do.

Overall, Wise's low fees and transparent approach to pricing makes it a market beating service for many customers.