An international money transfer is a way to make payments from your bank account to another bank account in a different country. Sending international money transfers with a traditional bank can be expensive though — it can be much cheaper with Wise."}},{"@type":"Question","name":"How long does an international money transfer take?","acceptedAnswer":{"@type":"Answer","text":"

For popular currencies, Wise can send your money within one day — or even within seconds. Sometimes, payment methods or routine checks can affect the transfer delivery time. We’ll always keep you updated, and you can track your transfer in your account."}},{"@type":"Question","name":"How do I send an international money transfer?","acceptedAnswer":{"@type":"Answer","text":"

  1. Sign up for free online or using our app. All you need is an email address, or a Google or Facebook account.
  2. Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.
  3. Add your recipient’s bank details. If you don’t know their details, we can request them for you.
  4. Verify your identity. For some currencies, or for large transfers, we’ll need to verify you — we usually just need a photo ID. This helps us keep your money safe.
  5. Pay for your transfer with a debit or credit card, or bank transfer.
  6. That’s it. You can track your transfer in your account, and we'll tell your recipient the money is on its way."}},{"@type":"Question","name":"What’s the best way to send money abroad?","acceptedAnswer":{"@type":"Answer","text":"

    Choosing how you want to send money with Wise largely depends on your payment method. Some are faster than others, and some may be slower but cheaper."}},{"@type":"Question","name":"How is Wise regulated?","acceptedAnswer":{"@type":"Answer","text":"

    Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the United Kingdom."}},{"@type":"Question","name":"How much can I send abroad? Are there limits to how much I can send?","acceptedAnswer":{"@type":"Answer","text":"

    Yes, there are limits to how much you can send with us. They depend on the currencies you’re sending to and from, and how you pay. You can check the limits for each currency on our Help Centre, or by using our calculator. We’ll also let you know if you try to send too much at one time."}},{"@type":"Question","name":"How do I know the money will get there?","acceptedAnswer":{"@type":"Answer","text":"

    We follow a strict set of rules set by regulatory agencies in every country we operate in, so you can feel assured that we’ll send the money to exactly where you’ve told us to send it. You can check what recipient details you entered by downloading a transfer receipt."}},{"@type":"Question","name":"How will the money be received?","acceptedAnswer":{"@type":"Answer","text":"

    When you send an international money transfer, we’ll simply deposit the money into your recipient’s bank account — unless you’ve selected a method where this works differently, like Interac for CAD, for example."}},{"@type":"Question","name":"How can I avoid a wire transfer fee?","acceptedAnswer":{"@type":"Answer","text":"

    You can avoid a wire transfer fee by selecting a different payment method — like ACH bank debit, credit or debit card. Keep in mind, these payment methods have lower limits. So if you want to send a large amount, you’ll need to send multiple smaller transfers."}},{"@type":"Question","name":"What documents do I need to send an international money transfer?","acceptedAnswer":{"@type":"Answer","text":"

    Because Wise is a regulated financial institution, we need to know who our customers are. It helps us combat money laundering, and keep everyone’s money safe. So depending on multiple factors, we can ask for identifying documents at any time. Typically, we’ll ask for a photo ID and/or proof of address — but sometimes we’ll ask for other information."}}]}International Money Transfer | Send Money Abroad with Wise (ex-TransferWise)

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    International money transfers

    Join over 12.8 million people who choose Wise for fast and secure online money transfers. Save up to 3x when sending money abroad.

    Millions of happy customers
    See what they have to say
    Is Wise safe?
    Yes, here’s why
     Rate guaranteed (8h)

    • Connected bank account (ACH) fee

      2.49 USD

    • Our fee

      6.97 USD

    Total included fees (0.95%)

    9.46 USD

    • You could save up to 35.92 USD

    Should arrive by Monday, December 2

    Save on exchange rate markups

    The cost of your transfer comes from the fee and the exchange rate. Many high street banks offer “no fee”, while hiding a markup in the exchange rate, making you pay more.

    At Wise, we’ll never do that. We only use the mid-market exchange rate, and show our fees upfront. This table compares the fees you’d really pay when sending money with the most popular banks and providers, or with us.

    How do we select providers and collect this data?
    Sending 1,000 USD withRecipient gets(Total after fees)
    942.21 EUR
    Transfer fee
    6.26 USD
    Exchange rate(1 USD EUR)
    0.948150
    Exchange rate markup
    983.84 USD
    Cost of transfer
    990.10 USD
    930.25 EUR- 11.96 EUR
    Transfer fee
    0.99 USD
    Exchange rate(1 USD EUR)
    0.931175
    Exchange rate markup
    984.13 USD
    Cost of transfer
    985.12 USD
    918.94 EUR- 23.27 EUR
    Transfer fee
    0 USD
    Exchange rate(1 USD EUR)
    0.918945
    Exchange rate markup
    984.34 USD
    Cost of transfer
    984.34 USD
    915.90 EUR- 26.31 EUR
    Transfer fee
    5 USD
    Exchange rate(1 USD EUR)
    0.920500
    Exchange rate markup
    984.31 USD
    Cost of transfer
    989.31 USD
    903.54 EUR- 38.67 EUR
    Transfer fee
    4.99 USD
    Exchange rate(1 USD EUR)
    0.908069
    Exchange rate markup
    984.52 USD
    Cost of transfer
    989.51 USD
    Show more providers
    globe

    Send money abroad from the US in 3 easy steps

    Enter amount to send in USD.

    Pay in USD with your debit card or credit card, or send the money from your online banking.

    Choose recipient.

    Select who you want to send money to and which pay-out method to use.

    Send USD, receive PHP.

    The recipient gets money in PHP directly from Wise’s local bank account.

    Create free account now

    How much does it cost to transfer USD to EUR?

    Pay a small, flat fee and percentage

    To send money in USD to EUR, you pay a small, flat fee of 7 USD + 0.29% of the amount that's converted (you'll always see the total cost upfront). See our transfer calculator.


    Fee depends on your chosen transfer type

    Some transfer types have different fees which are usually tiny.


    No hidden fees

    No big fees, hidden or otherwise. So it's cheaper than what you're used to.

    Wise
    Fees for our low cost transfers
    Fixed fee
    7 USD
    Variable feeup to 25,407 USD/month
    0.29%
    Variable feemore than 25,407 USD/month
    Discount applies

    How long will a money transfer take?

    On many popular routes, Wise can send your money within one day, as a same day transfer, or even an instant money transfer.

    Sometimes, different payment methods or routine checks may affect the transfer delivery time. We’ll always keep you updated, and you can track each step in your account.

    Your transfer route

    USD
    PHP

    Should arrive

    by Monday, December 2

    How to send money with Wise

    1

    Register for free.

    Sign up online or in our app for free. All you need is an email address, or a Google or Facebook account.

    2

    Choose an amount to send.

    Tell us how much you want to send. We’ll show you our fees upfront, and tell you when your money should arrive.

    3

    Add recipient’s bank details.

    Fill in the details of your recipient’s bank account.

    4

    Verify your identity.

    For some currencies, or for large transfers, we need a photo of your ID. This helps us keep your money safe.

    5

    Pay for your transfer.

    Send your money with a bank debit (ACH), wire transfer, or a debit or credit card.

    6

    That’s it.

    We’ll handle the rest. You can track your transfer in your account, and we'll tell your recipient it's coming.

    Best ways to send money internationally

    • Direct Debit

      Direct Debit is a convenient option that lets us take money from your account once you have authorised the payment on our site. It takes a little more time for your money to reach Wise, and it can be more expensive than a bank transfer.

    • Bank Transfer

      Bank transfers are usually the cheapest option when it comes to funding your international money transfer with Wise. Bank transfers can be slower than debit or credit cards, but they usually give you the best value for your money. Read more how to use bank transfers as a payment option.

    Protecting you and your money

    Safeguarded with leading banks

    We hold your money with established financial institutions, so it’s separate from our own accounts and in our normal course of business not accessible to our partners. Read more here.

    Extra-secure transactions

    We use 2-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

    Data protection

    We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

    Dedicated anti-fraud team

    We work round the clock to keep your account and money protected from even the most sophisticated fraud.

    Online scams are on the rise. Learn how to stay safe.

    Send money abroad with the Wise app

    Looking for an app to send money abroad? Send money, receive payments from abroad, check exchange rates – all in one app.

    • Cheaper transfers abroad - free from hidden fees and exchange rate markups.
    • Check exchange rates - see on the app how exchange rates have changed over time.
    • Repeat your previous transfers - save the details, and make your monthly payments easier.
    Learn more about the Wise app

    Download on the Apple App StoreGet it on Google Play Store

    See what the world’s largest publications have to say

    Wired

    Smart tech and sharp thinking are disrupting high-street banks

    Financial Times

    Wise is looking to use the internet to spark a digital revolution in current financial services

    The Economist

    Wise takes a machete to the hefty fees that banks levy to send money across borders

    Wise works nearly everywhere

    • United Arab Emirates dirham
    • Australian dollar
    • Bangladeshi taka
    • Bulgarian lev
    • Canadian dollar
    • Swiss franc
    • Chilean peso
    • Chinese yuan
    • Costa Rican colón
    • Czech koruna
    • Danish krone
    • Egyptian pound
    • Euro
    • British pound
    • Georgian lari
    • Hong Kong dollar
    • Hungarian forint
    • Indonesian rupiah
    • Israeli shekel
    • Indian rupee
    • Japanese yen
    • Kenyan shilling
    • South Korean won
    • Sri Lankan rupee
    • Moroccan dirham
    • Mexican peso
    • Malaysian ringgit
    • Nigerian naira
    • Norwegian krone
    • Nepalese rupee
    • New Zealand dollar
    • Philippine peso
    • Pakistani rupee
    • Polish złoty
    • Romanian leu
    • Swedish krona
    • Singapore dollar
    • Thai baht
    • Turkish lira
    • Tanzanian shilling
    • Ukrainian hryvnia
    • Ugandan shilling
    • United States dollar
    • Uruguayan peso
    • Vietnamese dong
    • West African CFA franc
    • South African rand

    See why customers choose Wise for their international money transfers

    It’s your money. You can trust us to get it where it needs to be, but don’t take our word for it. Read our reviews at Trustpilot.com.

    Cheap and quick. Very happy

    PETRU MIHAI DARIE

    Used Wise for years, always great, always working.

    Arto Kylmanen

    Best service

    Jutt Asad ali
    Reviews from:

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