Wise Fees and Limits, Explained

How Wise works out the fee

From Wise's fees page:

1. The Wise fee is a percentage of the amount you send, and the percentage varies from currency to currency. For small amounts there's a cheap minimum fee.
2. The exchange rate is the mid-market rate, and Wise says it never marks it up. For some currencies the rate can be guaranteed (locked) if Wise receives your money in time.
3. How you pay has its own cost, and you see what each payment method costs when you set up the transfer.

Same-currency transfers between Wise accounts are free.

In the calculator you'll usually see the fee split into a fixed part and a percentage, plus the cost of your payment method. Because there's a fixed part, each separate transfer pays it again.

How you pay changes the price

International card fees: if you pay with a card issued in a different country from the currency you're paying in, the fee is higher. EEA exception: if you pay with an EEA-issued card in an EEA currency, there are no international card fees.

Your own bank's fees: some banks treat a credit card payment to Wise as a cash advance and charge for it. That's your bank's fee, not Wise's. Wise's advice: pay with a card in the same currency you're sending from.

Wise accepts Visa, Mastercard and some Maestro cards only, not American Express or Discover. And you can't pay for a transfer with a Wise card.

Extra charges you might see

Dynamic charges: an extra line that appears when you send or convert a currency that's less used around the world, or when foreign exchange markets are volatile. It can go up or down. If it isn't shown in the calculator, it doesn't apply.

Swift transfers: when you send by Swift (for example to the Gulf, Tunisia or Algeria), intermediary banks may take extra fees. Wise says unexpected fees on EUR sent outside SEPA are usually between 10 and 25 EUR. For USD sent outside the US, Wise covers the fee automatically if it predicts your payment might get charged, so it's in the price from the start.

Wise's own published examples

These are examples Wise publishes in its help pages (checked 23 October 2026). They illustrate how pricing works; your current fee is in the calculator:

• EUR outside Europe by Swift: sending 1,000 EUR from your Wise account to someone in Turkey who receives euros in their bank account costs 5.21 EUR if Wise predicts no extra fees from other banks. With predicted bank fees (Wise's Hong Kong example): 25.22 EUR.
• USD outside the US by Swift: for the recipient to get 4,000 USD, funded from USD in your Wise account: 7.28 USD (6.15 USD Swift payout fee + 1.13 USD Wise fee) if no extra fees are predicted, or 8.78 USD with predicted correspondent fees.

Discounts for large amounts

• Send more than 20,000 GBP (or equivalent) a month and you get an automatic discount on the amount above that.
• Wise's lowest fee, 0.1%, applies to very large amounts (above 2 million GBP) and only between AUD, CAD, EUR, GBP and USD.

Wise transfer limits

Wise says limits depend on which currencies you send from and to, and how you pay.

By the currency you pay in

Apple Pay and Google Pay combined: up to 6 payments per day.

By the destination

Sending USD: Wise says the amount you can send in USD is the same as how much you can send in your local currency.

How to see the exact fee before you send

1. Open Wise's calculator in the app or on the website, or select Send. The steps bar shows Recipient · Amount · Review · Pay.
2. Choose a recipient or select + Add, then pick their currency on "Select their currency".
3. In the Amount step, enter the amount and choose how to pay: you'll see the fee change between bank transfer and card.
4. In the Review step you see the full fee, the rate and the amount that will arrive before you select Continue and Send and pay.

Ways to pay less (based on Wise's own rules):

• Pay by bank transfer from an account in your name instead of a card.
• If you pay by card, use one issued in the same country as the currency you pay in.
• Check the dynamic charges line in the calculator before you confirm.

FAQ

How much does Wise charge?

It depends on the amount, the two currencies and how you pay. Wise shows the full fee in the calculator and on the review screen before you confirm.

Does Wise add a markup to the exchange rate?

Wise says it uses the mid-market rate with no markup, and its cost is the upfront fee.

Why is paying by card more expensive?

Wise charges more for cards, and more again if the card was issued in a different country from the currency. Your bank may also add a cash-advance fee on a credit card.

What is the Wise transfer limit?

It depends on the currency and payment method. For example: a EUR card payment is up to 10,000 EUR per transfer, and USD by card is $2,000 per 24 hours. To Egypt, up to 5 million EGP per transfer.

Are Wise to Wise transfers free?

Yes, in the same currency. Wise says same-currency transfers between Wise accounts are free.

What are dynamic charges?

An extra charge on less-used currencies or when markets are volatile. If it isn't in the calculator, it doesn't apply to your transfer.

Get started

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Last updated: 23 October 2026 · All facts from the official Wise help pages listed above.