URL: https://exchangesteps.com/wise-fees
Updated: 2026-10-23
Sources: https://wise.com/help/articles/2522717/fees-for-sending-money , https://wise.com/gb/pricing/send-money , https://wise.com/help/articles/2amMyWoOyhgTL0CkDcY2m4/what-are-dynamic-charges , https://wise.com/help/articles/2977994/why-was-i-charged-extra , https://wise.com/help/articles/45wv6wv9Q5oHCdiYnKaHPC/how-can-i-get-wises-lowest-fee-of-01 , https://wise.com/help/articles/2526719/are-there-limits-to-how-much-i-can-send , https://wise.com/help/articles/2968916/sending-eur-to-countries-outside-of-europe , https://wise.com/help/articles/2946451/how-much-does-it-cost-to-send-usd-to-countries-outside-the-us , https://wise.com/help/articles/5Fwvk7KFzbTBohJiUu0Ryd/sending-with-swift , https://wise.com/help/articles/2556723/how-to-pay-by-card , https://wise.com/help/articles/2559761/how-to-pay-by-bank-transfer , https://wise.com/help/articles/2973523/paying-for-a-transfer-with-apple-or-google-pay , https://wise.com/help/articles/2932149/guide-to-eur-transfers , https://wise.com/help/articles/2932148/guide-to-gbp-transfers , https://wise.com/help/articles/2932338/guide-to-chf-transfers , https://wise.com/help/articles/2932150/guide-to-usd-transfers , https://wise.com/help/articles/2932153/guide-to-cad-transfers , https://wise.com/help/articles/2932365/guide-to-egp-transfers , https://wise.com/help/articles/2932363/guide-to-mad-transfers , https://wise.com/help/articles/2932360/guide-to-aed-transfers

# Wise Fees and Limits, Explained

> **Quick answer**
> Wise says the cost of a transfer depends on **three things: the amount, how you pay, and the exchange rate**.
> - **Rate:** Wise uses the **mid-market rate** with no markup.
> - **Fee:** a percentage of the amount that varies by currency, with a **small minimum fee** for small amounts.
> - **How you pay:** a **bank transfer is usually cheapest**, a card costs more, and a card issued in another country costs more still.
>
> **The exact fee is shown in Wise's calculator and on the review screen before you confirm**, so we don't print daily prices here that would go out of date.
>
> **[Open your Wise account →]**

## 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

| Payment method | What Wise says |
|---|---|
| **Bank transfer** | "usually the **cheapest** way to fund your transfer". The account must be **in your name** |
| **Debit card** | More than a bank transfer |
| **Credit or business card** | "more expensive" |
| **Apple Pay / Google Pay** | Normal card fee; the card must be **from the same region as the currency** (for EUR, an EU-issued card) |
| **Wise balance** | You pay from money already in your account |

**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

| Currency | Main limits, according to Wise |
|---|---|
| **EUR** | Card: 10,000 EUR per transfer · iDEAL: 50,000 · Trustly: 1.2 million · From Wise balance: 20 million · Apple Pay: 10,000 per payment · Google Pay: 2,000 per payment |
| **GBP** | Up to 20 million per transfer (card lower) · Apple Pay / Google Pay: 10,000 per payment |
| **CHF** | Bank transfer: 5 million · Card: up to 3,500 · Apple Pay: 3,500 · Google Pay: 2,500 |
| **USD** | 1,000,000 per transfer · ACH: 50,000 per 24 hours · Card: **$2,000 per 24 hours** and **$8,000 per 7 days** (including cards from outside the US) · Swift from an external bank: 1,600,000 |
| **CAD** | Direct debit: 9,500 per day and 30,000 weekly · Card: 3,000 · Interac: 25,000 · Wire: 1.5 million |

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

### By the destination

| Currency received | Per-transfer cap, according to Wise |
|---|---|
| **Egyptian pound (EGP)** | Up to **5 million EGP** per transfer |
| **Moroccan dirham (MAD)** | Up to **3,000,000 MAD** per transfer |
| **UAE dirham (AED)** | **No limit** on receiving, but the currency you send from may have one |

**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

**[Open your Wise account →]**

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