How to Save on International Transfer Fees with Wise (2025 Guide)

1. Real Exchange Rate — No Hidden Markups

Wise uses the mid-market exchange rate — the one you see on Google or XE — with no hidden spreads. You only pay a small, upfront service fee that’s shown before you confirm the transfer.

2. Open Multi-Currency Accounts

Wise gives you local bank details in EUR, GBP, USD, AUD, CAD and more — including IBAN, sort code, and routing numbers. Perfect for freelancers, remote workers, and international businesses.

3. Use Wise with Crypto Off-Ramps

Withdraw from exchanges like Binance, Kraken, or Coinbase into your Wise account via SEPA or SWIFT. Transfers in EUR, GBP, and USD are usually faster and cheaper than through traditional banks.

4. Low Fees and Fast Delivery

• EU transfers: often under €1 and delivered in minutes.
• Global transfers: typically 3–5 cheaper than banks.
• Transparent pricing: no hidden FX markups or surprises.

5. API and Business Tools

Wise supports batch payments and API automation — ideal for crypto projects, DAOs, affiliates, and global payroll. Pay team members or users worldwide with a single dashboard.

Frequently Asked Questions

Is Wise safe to use?

Yes. Wise is regulated in the EU, UK, US, and multiple other jurisdictions. Client funds are stored in segregated accounts for added security.

Can I use Wise with Binance or Kraken?

Yes. You can withdraw fiat via SEPA or SWIFT into your Wise bank account, provided the exchange supports your chosen currency.

Is there a limit to how much I can send?

Yes, but limits are generous — often €1M+ per day for verified personal accounts, with even higher thresholds for business accounts.