Editing Wise

{{Head
|Wise
|Multi-Currency Bank Account
|'''Wise''' (formerly TransferWise) is finance company from the UK, offering both a service to '''send & receive money abroad''' and an '''online bank account'''.
}}
The bank account comes with:

* support in 13 languages
* no requirement of a registered address
* no monthly fee for the standard account.
* multiple account numbers for various countries, to send & receive money in different currencies

{{AffLink|Open a Wise account|wise}}

{{FAQ|
{{FAQ/Item|q= Which documents do I need to open an account? |a=

Wise accepts citizens from all countries.<ref>{{Cite|url=https://wise.com/help/articles/2977982/i-dont-have-the-documents-you-asked-for|date=2022-05-01|quote=In this article, we’ll let you know what kinds of ID we accept around the world, as well as what to do if you have refugee status.}}</ref> A new customer must provide either a passport, national ID card or driver's license.

}}{{FAQ/Item|q= How is my money protected? |a=

Wise "keeps your money in accounts separate from the ones they use to run their business." They "deposit your funds at banking institutions and invest them in government backed liquid assets, primarily government bonds." <ref>{{Cite|url=https://wise.com/help/articles/2949821/is-it-safe-to-keep-money-in-my-wise-account|date=2022-05-01|quote=In keeping with FCA regulations, Wise uses two approaches to safeguard your funds. We deposit your funds at banking institutions and invest them in government backed liquid assets, primarily government bonds.}}</ref>

}}{{FAQ/Item|q= How much does Wise cost? |a=

* Opening and '''keeping''' the account is '''free'''.
* However a fee of 0.07% applies if you 
** hold EUR, and
** hold more than €3000.<ref>{{Cite|url=https://wise.com/gb/pricing/hold-fees|date=2022-05-01|quote=If you’d like to keep more than 3,000 EUR in your Wise account, we’ll charge a 0.07% fee monthly}}</ref>
* Keeping lower amounts, or in other currencies is free.
* '''Paying''' with the Mastercard debit card is '''free'''.
* '''Sending''' money to other bank accounts always costs a small, fixed fee (~€0.50).
* [https://wise.com/gb/multi-currency-account/pricing Read more on Wise's pricing.]

}}{{FAQ/Item|q= Which card do I get? |a=

* You can get a '''Mastercard debit card'''.
* The card costs a one-time fee of £5 or €8.<ref>{{Cite|url=https://wise.com/gb/multi-currency-account/pricing|date=2022-05-01|quote=Order a Wise debit card: 5 GBP}}</ref>
* You must be a [https://wise.com/help/articles/2968915/can-i-get-the-wise-card-in-my-country resident in one of these countries].
* After registering a Wise account, you must [https://wise.com/help/articles/2935762/how-do-i-get-a-wise-card follow these steps].

}}{{FAQ/Item|q= What account numbers can I get? |a=
* You can get '''multiple account numbers'''.
* You must first add 20 GBP to your account (or the equivalent in your currency).<ref>{{Cite|url=https://wise.com/help/articles/2978028/how-do-i-get-account-details|date=2022-05-01|quote=add 20 GBP to your account (or the equivalent in your currency)}}</ref>
* You can then get:<ref>{{Cite|url=https://wise.com/multi-currency-account/#coverage-bankdetails|date=2022-05-01|quote=These are the account details you can share with others to receive money.}}</ref>
** for EUR-SEPA transfers: an IBAN from Belgium 🇧🇪🇪🇺
** for USD transfers: Routing number and Account number from USA 🇺🇸
** for GBP transfers: UK sort code, Account number, and IBAN from the UK 🇬🇧
** for CAD transfers: Institution number, Transit number, and Account number from Canada 🇨🇦
** for AUD transfers: BSB code and Account number from Australia 🇦🇺
** for NZD transfers: Account number from New Zealand 🇳🇿
** for SGD transfers: Bank code, Bank name, and Account number from Singapore 🇸🇬
** for HUF transfers: Account number from Hungary 🇭🇺
** for RON transfers: Bank code (SWIFT/BIC) and Account number from Romania 🇷🇴
** for TRY transfers: Bank name and IBAN from Turkey 🇹🇷

}}{{FAQ/Item|q= In which languages can I use Wise? |a=

* The app and the customer support are available in:
** English 🇬🇧
** French 🇫🇷
** German 🇩🇪
** Italian 🇮🇹
** Spanish 🇪🇸
** Chinese 🇨🇳🇹🇼
** Hungarian 🇭🇺
** Indonesian 🇮🇩
** Japanese 🇯🇵
** Polish 🇵🇱
** Portuguese 🇵🇹🇧🇷
** Romanian 🇷🇴
** Russian 🇷🇺
** Turkish 🇹🇷

* Customer '''support''' is available [https://wise.com/help/contact on their website].

}}{{FAQ/Item|q= Can I use Wise on my desktop computer? |a=

Yes. You can manage your account both from your smartphone ([https://play.google.com/store/apps/details?id=com.transferwise.android Android] or [https://apps.apple.com/us/app/wise-ex-transferwise/id612261027 iOS/Apple]) and from your desktop web browser.

}}
}}
== Screenshots ==
<gallery mode="traditional" widths=150px heights=300px>
File:Wise.timeline.accounts.jpg|Home: Last transactions with balances by currency
File:Wise.timeline.eur.jpg|Last transactions …
File:Wise.timeline.pln.jpg|… filtered by currency
File:Wise.open.jpg|Open new currency/balance or a jar
File:Wise.stats.jpg|Transactions analysed
File:Wise.stats.filter.jpg|Filter insights…
File:Wise.stats.filtered.jpg|…filtered view
File:Wise.cards.jpg|Overview of issued cards
File:Wise.cards.limits.jpg|Card limits …
File:Wise.cards.methods.jpg|… & settings
File:Wise.cards.new.jpg|Issue new card
File:Wise.send.source.jpg|Send money
File:Wise.send.international.jpg|International (note: conversion fee is fixed)
File:Wise.send.national.jpg|National (fee is fixed)
File:Wise.scheduled_transfers.jpg|Scheduled transfers
File:Wise.auto_conversions.jpg|Convert automatically when your desired exchange rate is reached
File:Wise.account.jpg|Multiple bank account numbers 
File:Wise.recipients.jpg|Choose recipient via contacts
File:Wise.account.receive.jpg|Allow your contacts to find you
File:Wise.account.settings.jpg|Account settings
</gallery>

== Alternatives ==

* There are more [[Germany/Banking|EUR bank accounts]].

== Open a Wise Bank Account ==

# {{AffLink|Click here|wise}}.
# Click on ''Get an account in minutes''.
# Enter your ''' email address'''.
# Fill out the rest of the form.
# Do the online verification process.

[[Category:Banking]]

{{Notes}}