Multi-currency personal account for holding, receiving, and spending money in 40+ currencies with local account details.
The Wise Account lets individuals hold, receive, and spend money in over 40 currencies with local account details in 10 currencies, including GBP, EUR, and USD. All currency conversion uses the mid-market exchange rate with transparent fees starting from 0.57%, and Auto Conversions let users lock in target rates automatically.
Funds are safeguarded in segregated accounts at regulated financial institutions, and USD balances earn interest through FDIC-insured partner banks while GBP and EUR balances earn interest under FSCS-equivalent protection. Features include Jars for saving toward goals, Direct Debits in multiple currencies, and a linked Wise Card for spending abroad without foreign transaction fees.
| Attribute | Wise Account | USD Account and Cross-Border Payments | |
|---|---|---|---|
| Provider | |  | |
| Founded | 2011 | 2021 | |
| Sells To | B2C | Consumers | |
| Pricing Model | Transaction Fees | Recurring, Transactional | |
| Ownership | Venture-backed | Venture-backed |
Provider
Founded 2011
Sells To B2C
Pricing Model Transaction Fees
Ownership Venture-backed
Provider
Founded 2021
Sells To Consumers
Pricing Model Recurring, Transactional
Ownership Venture-backed
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