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Wise (TransferWise) Review 2026 โ€” Fees, Rates & Exchange Rate Margins

Mid-market exchange rate with low, transparent fees. Best for regular and larger transfers.

0%
Typical FX margin (estimate)
$1.00
Typical flat fee, in USD (estimate)
0.75%
Typical transfer fee (estimate)
12 of 18
Sending markets confirmed (how we check)
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Send with Wise โ†’

Pros

  • โœ… True mid-market rate (0% FX margin)
  • โœ… Fully transparent fees
  • โœ… Multi-currency account
  • โœ… 160+ countries

Cons

  • โŒ Fee charged upfront
  • โŒ Cash pickup not available in most corridors

Where you can send from with Wise

Confirmed: United States, United Arab Emirates, United Kingdom, Euro area, Canada, Australia, Singapore, Malaysia, Switzerland, Japan, New Zealand, Hong Kong.

Not available from: Saudi Arabia, Qatar, Kuwait, Oman, Bahrain, South Africa.

Based on the provider's own pages and live quotes, last reviewed 2026-10-17. Availability can differ by country within the euro area and changes over time โ€” always check in the provider's app or site.

Wise (TransferWise) performance on key corridors

Based on sending about USD 1,000 (in each sending currency), for the sample corridors Wise is confirmed to serve. "โ— Live quote" rows are real prices (Wise's quote API and Wise's public comparison data); "Typical fee (estimate)" rows are estimates and are not ranked. Figures are indicative โ€” check live rates before sending.

CorridorRate after marginRecipient getsTotal costRankingData type
๐Ÿ‡บ๐Ÿ‡ธ USD โ†’ ๐Ÿ‡ฎ๐Ÿ‡ณ INR 95.1738 โ‚น94,102.14 1.22% #7 of 10 live โ— Live quote ยท 2026-10-27
๐Ÿ‡บ๐Ÿ‡ธ USD โ†’ ๐Ÿ‡ต๐Ÿ‡ญ PHP 63.9964 โ‚ฑ63,237.40 1.13% #4 of 8 live โ— Live quote ยท 2026-10-27
๐Ÿ‡ฌ๐Ÿ‡ง GBP โ†’ ๐Ÿ‡ฎ๐Ÿ‡ณ INR 126.86 โ‚น94,639.37 0.76% #5 of 17 live โ— Live quote ยท 2026-10-27
๐Ÿ‡ฆ๐Ÿ‡ช AED โ†’ ๐Ÿ‡ต๐Ÿ‡ฐ PKR 75.3779 โ‚จ275,797 1.11% #1 of 1 live โ— Live quote ยท 2026-10-27
๐Ÿ‡ช๐Ÿ‡บ EUR โ†’ ๐Ÿ‡ต๐Ÿ‡ฑ PLN 4.4052 zล‚3,895.65 0.64% #2 of 13 live โ— Live quote ยท 2026-10-27

Wise (TransferWise) fee breakdown

Wise (TransferWise) has a flat fee of ~$1.00 per transfer, a transfer fee of 0.75% of the sent amount, and an FX margin of 0% above the mid-market rate. Mid-market exchange rate with low, transparent fees. Best for regular and larger transfers.

Basis of the figures above: Measured from Wise's own live quotes (137 corridors), 2026-10-06, on โ‰ˆUSD 1,000. Live per-corridor quotes, where available, are shown in the tables on each corridor page.

Transfer speed: Instant โ€“ 2 days. The total cost is competitive across most corridors at typical transfer amounts.

Compare Wise (TransferWise) vs others

Frequently asked questions

Is Wise (TransferWise) safe and legitimate?

Wise (TransferWise) is an established international money transfer service licensed and regulated in multiple jurisdictions. As with any financial service, always verify the provider holds a valid licence in your country before using it.

How much does Wise (TransferWise) charge?

Wise (TransferWise) charges a flat fee of approximately $1.00 per transfer, a transfer fee of 0.75% of the sent amount, and an FX margin of 0% above the mid-market rate. Total cost varies by corridor and amount.

How fast is Wise (TransferWise)?

Wise (TransferWise) typically delivers in Instant โ€“ 2 days, depending on the corridor, delivery method and time of day.

How does Wise (TransferWise) compare to Revolut?

Both are online money transfer services, but they differ in fee model and corridor coverage. See the head-to-head on the Revolut comparison page, or use the live comparator on FX Skipper for your specific route and amount.