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FX live, 150 of 153 currencies refreshed 16 Oct 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Wise · launched 2011
Cross-border transfer at the mid-market exchange rate with the fee charged explicitly rather than hidden in the FX spread. The percentage varies by corridor.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Wise published corridor pricing.
In force since 11 Jul 2023
1.04% effective
−10.0% relative · from 0.61%
−20.5% relative · 3 revisions
Payout · percentage component
Rates are step functions: each level holds until it is replaced.
Every recorded change, newest first, with the movement from the rate it replaced.
11 Jul 2023 → current
27 Jan 2021 → 11 Jul 2023
Volume tier thresholds revised.
1 Jan 2019 → 27 Jan 2021
Payout pricing across every country where this method is available, with the cost on a A$100.00 payment for comparison.
| Market | Listed fee | Cost on 100 | Effective | Since | Basis |
|---|---|---|---|---|---|
| Australia | 0.55% + A$0.49 | A$1.04 | 1.04% | 11 Jul 2023 | Estimate |
| Bangladesh | 0.55% + BDT 43.08 | BDT 43.63 | 43.63% | 20 Oct 2021 | Estimate |
| Brazil | 0.55% + R$1.80 | R$2.35 | 2.35% | 26 Jan 2022 | Estimate |
| Canada |
| 0.55% + CA$0.49 |
| CA$1.04 |
| 1.04% |
| 10 Dec 2022 |
| Estimate |
| France | 0.55% + €0.30 | €0.85 | 0.85% | 23 Mar 2023 | Estimate |
| Germany | 0.55% + €0.30 | €0.85 | 0.85% | 24 Mar 2025 | Estimate |
| India | 0.55% + ₹33.61 | ₹34.16 | 34.16% | 8 Nov 2021 | Estimate |
| Japan | 0.55% + ¥55 | ¥56 | 55.55% | 9 Apr 2024 | Estimate |
| Mexico | 0.55% + MX$6.03 | MX$6.58 | 6.58% | 26 Sept 2021 | Estimate |
| New Zealand | 0.55% + NZ$0.61 | NZ$1.16 | 1.16% | 4 Jan 2022 | Estimate |
| Nigeria | 0.55% + NGN 466.00 | NGN 466.55 | 466.55% | 21 Jul 2023 | Estimate |
| Pakistan | 0.55% + PKR 97.27 | PKR 97.82 | 97.82% | 29 Aug 2022 | Estimate |
| Philippines | 0.55% + ₱22.01 | ₱22.56 | 22.56% | 18 Aug 2022 | Estimate |
| Poland | 0.55% + PLN 1.33 | PLN 1.88 | 1.88% | 15 Apr 2024 | Estimate |
| Singapore | 0.55% + SGD 0.45 | SGD 1.00 | 1% | 19 Oct 2021 | Estimate |
| Spain | 0.55% + €0.30 | €0.85 | 0.85% | 10 Apr 2024 | Estimate |
| Türkiye | 0.55% + TRY 17.08 | TRY 17.63 | 17.63% | 23 Sept 2024 | Estimate |
| United Arab Emirates | 0.55% + AED 1.29 | AED 1.84 | 1.84% | 6 Jul 2023 | Estimate |
| United Kingdom | 0.43% + £0.25 | £0.68 | 0.68% | 3 Jan 2026 | Estimate |
| United States | 0.62% + $0.40 | $1.02 | 1.02% | 1 Oct 2024 | Estimate |