Wise is a British online money transfer service founded in January 2011 by Estonians Kristo Käärmann and Taavet Hinrikus and is based in London. The company supports more than 750 currency routes across the world including GBP, USD, EUR, AUD and CAD, and provides multi-currency accounts.The concept was to match transfers with other people and then have a small commission while using the inter-bank mid exchange rate, unlike traditional currency transfers where there are buy and sell rates and the broker takes the difference between the two.
You can use this link to open a new Wise account.
| Provider (UK) | TransferWise Ltd 6th Floor, The Tea Building, 56 Shoreditch High Street, E1 6JJ London United Kingdom |
| Provider (EU) | TransferWise Europe SA Square de Meeûs 38 bte 40 1000 Brussels Belgium |
| Countries | - EEA (Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden) - United Kingdom - Switzerland - USA - Australia - New Zealand - Singapur |
| Number of Users | 8,000,000 (July 2020) |
| Banking License (EU) | EU Authorised Electronic Money Institution (Belgium, National Bank of Belgium) |
| Web page | www.wise.com |
| Mobile Apps | Android iOS |
| Google Pay | Yes (Mastercard cards) |
| Apple Pay | Yes (Mastercard cards) |
| Samsung Pay | No |
| Garmin Pay | Yes (Mastercard cards) |
| Fitbit Pay | Yes (Mastercard cards) |
| Plan | Borderless |
| Subscription | €0/month |
| Manage Your Account | Mobile app Web app |
| Types of Accounts | EUR, USD, CHF, GBP, HRK, ... (in more than 30 currencies) |
| Physical Card | Mastercard/Visa Debit - card €7 - to send the card you need to deposit at least € 20 to your TransferWise account |
| Virtual Cards | Mastercard/Visa Debit - First card is free |
| Maximum Number of Cards | 1 physical card, 1 virtual card |
| 3D secure | Yes, via mobile app, SMS or call |
| SEPA transfers | €0.28/transaction |
| SEPA Instant Credit Transfer (SCT Inst) | Yes |
| ATM withdrawal | - No fee up to €200 per month, then 1.75% fee - Over 2 ATM withdrawals/month: €0.50 |
| Exchanging currencies | fee between 0.35% and 2.85% for currency exchange |
| Transactions | - Foreign currency transfers: fee between 0.35% and 2.85% for currency exchange - Transfer of money to a foreign bank account: €0.28 - otherwise no fee |
| SEPA Direct Debit | Yes, free |
| Transferring Your Paycheck | Yes (EUR, USD, CHF, GBP, ...) |
| Add Money | - Top up with Mastercard Debit or Visa Debit (fee) - transferring money to your TransferWise IBAN (bank account) |
| Card Freezes | Yes |
| Card Freezes | Yes |
| Savings Account | No |
| Credits | No |
| Cryptocurrency Trading | No |
| Stock Trading | No |
| Commodity Trading | No |
| Accounts for Kids | No |
| Linking External Bank Accounts | No |
| Additional Benefits | - |
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You can use this link to open a new TransferWise account.
| Cards | BIN Number |
|---|---|
| Mastercard Debit | 537434xx |
| Visa Debit | 456933xx |
| Country | BIN Number |
|---|---|
| United Kingdom | xxxxxx00 xxxxxx01 xxxxxx02 xxxxxx03 xxxxxx04 xxxxxx05 xxxxxx06 xxxxxx07 xxxxxx08 xxxxxx09 xxxxxx10 xxxxxx11 xxxxxx12 xxxxxx13 xxxxxx14 xxxxxx15 xxxxxx16 xxxxxx17 xxxxxx18 xxxxxx19 xxxxxx20 xxxxxx21 xxxxxx22 xxxxxx23 xxxxxx24 xxxxxx25 xxxxxx26 xxxxxx27 xxxxxx28 xxxxxx29 |
| Germany | xxxxxx30 xxxxxx31 xxxxxx32 xxxxxx33 xxxxxx34 xxxxxx35 xxxxxx36 xxxxxx37 xxxxxx38 xxxxxx39 xxxxxx40 xxxxxx41 xxxxxx42 xxxxxx43 xxxxxx44 xxxxxx45 xxxxxx46 xxxxxx47 xxxxxx48 xxxxxx49 |
| Ireland | xxxxxx50 xxxxxx51 xxxxxx52 xxxxxx53 xxxxxx54 |
| Netherlands | xxxxxx55 xxxxxx56 xxxxxx57 xxxxxx58 xxxxxx59 |
| Italy | xxxxxx60 xxxxxx61 xxxxxx62 xxxxxx63 xxxxxx64 |
| Poland | xxxxxx65 xxxxxx66 xxxxxx67 |
| Austria | xxxxxx68 xxxxxx69 |
| Sweden | xxxxxx70 xxxxxx71 |
| Czech Republic | xxxxxx72 xxxxxx73 |
| Denmark | xxxxxx74 xxxxxx75 |
| Republic of Cyprus | xxxxxx76 xxxxxx77 |
| Switzerland | xxxxxx78 xxxxxx79 |
| Hungary | xxxxxx80 xxxxxx81 xxxxxx82 |
| Estonia | xxxxxx83 xxxxxx84 |
| Belgium | xxxxxx85 xxxxxx86 |
| Greece | xxxxxx87 xxxxxx88 |
| Bulgaria | xxxxxx89 |
| Norway | xxxxxx90 xxxxxx91 |
| Iceland | xxxxxx92 |
| Latvia | xxxxxx93 |
| Lithuania | xxxxxx94 |
| Finland | xxxxxx95 |
| Luxembourg | xxxxxx96 |
| Malta | xxxxxx97 |
| Slovenia | xxxxxx98 |
| Slovakia | xxxxxx99 |
| Bank | Country | BIC Code |
|---|---|---|
| TransferWise Ltd. | United Kingdom | TRWIGB21XXX TRWIGB22XXX TRWIGB2LXXX |
| TransferWise Europe SA NV | Belgium | TRWIBEB1XXX |
| TransferWise Ltd Netherlands | Netherlands | TRWINL21XXX |
| TransferWise Inc | US | TRWIUS31XXX |
| TransferWise Canada Inc | Canada | TRWICAW1XXX |
| TransferWise Ltd | Australia | TRWIAUS1XXX |
| TransferWise Ltd | New Zealand | TRWINZ21XXX |
| TransferWise Ltd | Hong Kong | TRWIHKK1XXX |
| TransferWise Nuqud Ltd | United Arab Emirates | TRWIAEA2XXX |
| TransferWise Malaysia Sdn. Bhd. | Malaysia | TRWIMYK1XXX |
| TransferWise Singapore Pte Ltd | Singapore | TRWISGS1XXX |
| TransferWise Japan Kabushiki Kaisha | Japan | TRWIJPJ1XXX |
