Wise has no subscription fees - you pay only for what you use. On its UK/GBP pricing page: sending/converting money is advertised "from 0.24%" (a floor, not a fixed rate), the debit card is a one-time 7 GBP, ATM withdrawals are free up to 250 GBP/month then 2.69% over that, and receiving Swift payments costs a small fixed fee (6.11 USD / 2.16 GBP / 2.39 EUR depending on currency). Fees vary by country and currency - this review covers the UK/GBP page only. FEESAVE has no affiliate relationship with Wise at this time.
Last checked Sep 12, 2026
| Price | Scope notes |
|---|---|
| GBP 0 (one-time) | Opening a Wise account - free. |
| From 0.24 (usage-based) | NOTE: 0.24 is a % (a floor), NOT a currency amount - the actual fee varies by currency/transfer corridor, see claim-wise-send-convert-fee. |
| GBP 2.16 (usage-based) | Receiving GBP via Swift - fixed fee per receipt. |
| EUR 2.39 (usage-based) | Receiving EUR via Swift - fixed fee per receipt. |
| USD 6.11 (usage-based) | Receiving USD via Swift/wire - fixed fee per receipt. |
| GBP 7 (one-time) | Wise debit card - one-time fee, no subscription fee. |
Wise (formerly TransferWise) is an international money transfer and multi-currency account service, regulated in the UK by the Financial Conduct Authority. The information below is compiled from Wise's own UK/GBP pricing page, not from FEESAVE's own hands-on testing - and it applies specifically to the UK/GBP market. Wise's fees vary by country and currency, so figures here should not be assumed to apply elsewhere.
Unlike most products FEESAVE reviews, Wise has no monthly or annual plan fees. Opening an account and holding money in it are both free; you pay only when you actually send, convert, or receive money, or use certain features like the debit card.
Wise advertises sending and converting fees "From 0.24%" - but this is a floor, not a fixed rate. The actual percentage depends on the specific currency pair and amount, which Wise's pricing page does not fully itemize. Don't assume you'll pay exactly 0.24% for your specific transfer - check the actual quote for your currency pair before committing.
The Wise debit card costs a one-time 7 GBP with no ongoing subscription fee. Spending with it in the same currency (online or in-store) is free. ATM withdrawals are free up to 250 GBP per month per account, then cost 2.69% of the amount over that - and some ATM operators may charge their own additional fee on top, outside Wise's control.
Getting account details to receive in 22 currencies, and receiving domestic (non-Swift) payments in 9 major currencies (AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD, USD), are both free. International wire/Swift receipts have a small fixed fee per payment: 6.11 USD, 2.16 GBP, or 2.39 EUR depending on currency.
Wise also offers an interest-earning fund ("From 0.26% annual fee") and fractional Stocks ("From 0.59% annual fee"). Wise's own page carries this disclaimer on both: "Capital at risk. Growth not guaranteed." FEESAVE is reporting Wise's own published fee and disclaimer here - this is not investment advice, and FEESAVE is not a licensed financial advisor.
FEESAVE does not currently have an affiliate relationship with Wise. Nothing on this page earns FEESAVE a commission - the link to Wise's official site is provided for reference only. If that changes in the future, we will disclose it here and in the page's offer data, the same way we do for products where we do have an affiliate deal.
FEESAVE has not yet verified: exact send/convert fees for specific currency pairs beyond the published "from" floor, Swift receiving fees for the 19 currencies not itemized on this page, fees on Wise Business (this review covers the personal/GB pricing page only), and how pricing differs outside the UK/GBP market. These items will be updated once we have specific evidence, rather than speculating in advance.
Wise has no subscription or plan fees - it is entirely pay-per-use. Registering an account and holding money in it are both free.
Wise states sending and converting money costs "From 0.24%" - this is a floor, not a fixed rate: the actual percentage depends on the specific currency pair and amount, which this page does not itemize. Treat 0.24% as the best case, not the price you should expect for every currency.
The Wise debit card costs a one-time 7 GBP with no subscription fee. Spending with it online/in-store in the same currency is free. ATM withdrawals are free up to 250 GBP per month per account, then charged at 2.69% of the amount over that threshold (some ATM providers may also charge their own additional fees, outside Wise's control). Topping up external e-wallets is charged at 2%.
Last checked: Sep 12, 2026 · Content updated: Sep 12, 2026
Written by FEESAVE Editorial Team
The shared byline of the FEESAVE editorial team — it does not represent a single individual. Content is compiled and cross-checked by the editorial team from public sources (mainly vendors' official pricing/policy pages), not from hands-on testing unless an article states otherwise. The editorial team does not claim to be financial experts, engineers, or auditors.
FEESAVE may earn an affiliate commission if you sign up for a product through some links on this site. This commercial relationship does not influence our editorial content or conclusions — see /methodology.
Getting account details to receive money in 22 currencies is free, as is receiving domestic (non-Swift/non-wire) payments in AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD, or USD. Receiving an international wire/Swift payment has a fixed fee per payment: 6.11 USD, 2.16 GBP, or 2.39 EUR depending on currency. An additional 19 currencies have their own Swift receiving fees which this page links to (in "the regulator's standardized format") but does not itemize directly - not covered by this claim.
Wise Interest (an interest-earning fund) is "From 0.26% annual fee" and Stocks (fractional shares in large companies) is "From 0.59% annual fee." Both carry Wise's own risk disclaimer verbatim: "Capital at risk. Growth not guaranteed." FEESAVE is repeating Wise's own published fee and disclaimer here, not offering investment advice or endorsing these products.
