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AI assistants · Tool
Wise
ResearchedWise (formerly TransferWise), founded in 2011, offers low-cost international money transfers, multi-currency accounts, and an open API platform serving banks and businesses. Services include personal and business accounts, a Multi-Currency Card, and developer integrations with transparent mid-market pricing.
Official site snapshots
Visit live site See the official site at a glance
Read-only public captures of Wise’s homepage. Screenshots are dated, never live embeds, and open full-screen.
1 earlier capture
In one minute
Start here for the decision-making essentials: what Wise does, who it is for, how it is accessed, and the first-party sources behind this profile.
Pricing5 options
Transparent pricing with mid-market exchange rate and no markup
No hidden fees, no subscriptions, no monthly costs
customers pay only per use
Sending money fees start at 0.57% and vary by currency
Wise Multi-Currency Card costs 9 USD with no subscription fees
Platforms
Wise Platform
API accessNot public
Founded2011
AvailabilityWeb / remote
LicenseProprietary
Best suited to
Source-backed fit Banks and financial institutions needing cross-border payment infrastructure Start-ups and scale-ups operating internationally People sending, spending, or converting money across borders Developers building finance automation via Wise's open API Enterprises integrating with Wise Platform Banks, financial institutions, and enterprises integrating with Wise Platform
Decision support
6 sourced answersCommon questions and adoption checks
Short answers to the questions buyers and builders commonly ask about Wise. Each answer cites the shared ledger below, where every source is listed once.
01What does Wise say it can do?
International money transfers with low cost and fast delivery · Wise offers an open API that allows businesses to automate payments, connect business tool · Transfer money abroad · Set up Direct Debits on held balances
Transfer money abroad easily and quickly with our low cost money transfers.
02Who is Wise intended for?
Banks, financial institutions, and enterprises integrating with Wise Platform · Wise Platform is targeted at banks, financial institutions, education platforms, marketpla · Business customers needing multi-user access and accounting integration · Wise Platform serves banks & financial institutions, education platforms, marketplaces, sp
Wise Platform Where banks, financial institutions and enterprises can plug into our network.
03What use cases does Wise describe?
Managing international finances for start-ups and scale-ups · Personal international account for sending, spending, and converting money like a local · Business account for start-ups and scale-ups operating internationally · Personal Wise Account is an international account for sending, spending and converting mon
The only account your start-up or scale-up needs to thrive internationally.
04What should teams verify before adopting Wise?
When an account is closed, customers usually have 90 days from the first email to move the · The Wise Mobile App has not yet been tested and uplifted in line with the relevant accessi · The Wise Website's 'Batch Transfer Page' has known issues with keyboard accessibility. · Customer license is limited to personal use only and does not extend to third-party produc
You usually have 90 days from when we first email you to move your money out.
05What pricing information is available for Wise?
Transparent pricing with mid-market exchange rate and no markup · No hidden fees, no subscriptions, no monthly costs; customers pay only per use · Sending money fees start at 0.57% and vary by currency · Wise Multi-Currency Card costs 9 USD with no subscription fees
100% transparent pricing Banks and other providers inflate the mid-market exchange rate to hide fees and make you pay more. Not Wise.
06Does Wise document API access?
Provides an API (available via Wise Business) · API documentation and API integrations available for developers · Offers an API and developer tools as part of its software platform · API documentation is available for developers
Wise Business Multi-user access, accounting and using our API.
Decision guide
AI assistantsCapabilities and operating fit
This profile connects the jobs Wise is described as handling with its delivery model, access options and the subjects used to match it to related products in this directory.
Common use cases
- International money transfers with low-cost fees
- Personal multi-currency account for sending, spending, and converting money like a local
- Business account for start-ups and scale-ups managing international finances
- Automated cross-border payments and custom finance management via open API
- Issuing cards and multi-currency accounts through Wise Platform
- Connecting accounting software to Wise Business
Topics mapped
Verified capabilities
- International money transfers with low cost and fast delivery
- Wise offers an open API that allows businesses to automate payments, connect business tool
- Transfer money abroad
- Set up Direct Debits on held balances
- Use Interest & Stocks features
- Order, activate, spend, and troubleshoot a Wise card
- Personal multi-currency account for sending, spending and converting money internationally
- Wise Platform provides products for Send, Receive, Issue cards, and Multi-currency account
Recorded integrations
API integrations and API documentation available for developersAPI documentation available for developers to integrate with WiseWise Business offers integration with accounting software, and Wise Platform provides API Wise offers API documentation for developers and integrations for accounting softwareWise Platform can be connected via Swift messages or the Wise Platform API, with API documPartnership with Google to make transparent and convenient international payments more accConnect accounting softwareAPI integrations available
Intended audiences
Banks, financial institutions, and enterprises integrating with Wise PlatformWise Platform is targeted at banks, financial institutions, education platforms, marketplaBusiness customers needing multi-user access and accounting integrationWise Platform serves banks & financial institutions, education platforms, marketplaces, spPeople and businesses managing money across borders, including start-ups and scale-upsStart-ups and scale-ups needing international business accountsBusinesses described as start-ups and scale-ups needing international accountsBanks & financial institutions, Education platforms, Marketplaces, Spend management, Trave
Access signals
- Pricing model
- Transparent pricing with mid-market exchange rate and no markup · No hidden fees, no subscriptions, no monthly costs; customers pay only per use · Sending money fees start at 0.57% and vary by currency · Wise Multi-Currency Card costs 9 USD with no subscription fees
- API
- Not publicly listed
- Source links
- 17 recorded
Source-backed
Updated July 22, 2026Verified facts
Each fact points to a recorded source, making it easy to distinguish verified product information from claims that need checking.
Wise: The international account | Money without borders | Wise United States
Founded in 2011 (formerly TransferWise) · Registered as a Money Service Business with FinCEN, not an FDIC-insured bank · Offers international money transfers with low cost and fast delivery
International money transfers with low cost and fast delivery
Managing international finances for start-ups and scale-ups
Banks, financial institutions, and enterprises integrating with Wise Platform
API integrations and API documentation available for developers
24/7/365 customer support via phone, email, or chat
View 32 more verified facts
Transparent pricing with mid-market exchange rate and no markup
No hidden fees, no subscriptions, no monthly costs; customers pay only per use
Personal international account for sending, spending, and converting money like a local
Business account for start-ups and scale-ups operating internationally
Sending money fees start at 0.57% and vary by currency
Wise Multi-Currency Card costs 9 USD with no subscription fees
API documentation available for developers to integrate with Wise
Wise offers an open API that allows businesses to automate payments, connect business tools, and build custom finance management solutions.
Wise Platform is targeted at banks, financial institutions, education platforms, marketplaces, spend management, travel platforms, and workforce platforms.
Wise offers 24/7 customer support for API users.
Transfer money abroad
Set up Direct Debits on held balances
Use Interest & Stocks features
Order, activate, spend, and troubleshoot a Wise card
Provides an API (available via Wise Business)
Business customers needing multi-user access and accounting integration
Wise runs 7 million fraud checks per day (80 per second) via always-on automatic monitoring supported by dedicated security teams.
Wise is a Money Service Business (MSB) registered with FinCen and is not an FDIC-insured bank; in some states the program is sponsored by Community Federal Savings Bank.
Personal Wise Account is an international account for sending, spending and converting money like a local.
Wise Platform allows banks, financial institutions and enterprises to plug into Wise's network for sending, receiving, issuing cards and multi-currency accounts.
24/7 customer support is provided as part of Wise's safety and security promise.
Wise Business offers integration with accounting software, and Wise Platform provides API integrations with documentation for developers.
International account for personal users to send, spend and convert money like a local
International business account for start-ups and scale-ups
Wise is a Money Service Business (MSB) registered with FinCEN, not an FDIC-insured bank
Wise Platform enables banks, financial institutions and enterprises to plug into Wise's network
Wise offers API documentation for developers and integrations for accounting software
Wise Platform serves banks & financial institutions, education platforms, marketplaces, spend management, travel platforms and workforce platforms
Wise (formerly TransferWise)
2011
Personal multi-currency account for sending, spending and converting money internationally
International money transfers and cross-border money management
Practical capabilities
8 documented areasWhat it helps with
A concise view of the jobs, capabilities and integrations described in the recorded product sources.
International money transfers with low-cost fees
Personal multi-currency account for sending, spending, and converting money like a local
Business account for start-ups and scale-ups managing international finances
Automated cross-border payments and custom finance management via open API
Issuing cards and multi-currency accounts through Wise Platform
Connecting accounting software to Wise Business
Managing international finances for start-ups and scale-ups
Personal international account for sending, spending, and converting money like a local
Availability
Source checkedWhere it runs and where to get it
Documented product formats, platforms and official distribution destinations. Availability can vary by region and plan.
Cost / license
Transparent pricing with mid-market exchange rate and no markup · No hidden fees, no subscriptions, no monthly costs; customers pay only per use · Sending money fees start at 0.57% and vary by currency · Wise Multi-Currency Card costs 9 USD with no subscription fees
Platforms
Wise Platform allows banks, financial institutions and enterprises to plug into Wise's netWise Platform enables banks, financial institutions and enterprises to plug into Wise's neWise Platform allowing banks, financial institutions and enterprises to plug into Wise's nContent is published on the wise.com Website, Mobile Website, all relevant subdomains, andApp, website, API, developer tools, source code, and code librariesWise Platform lets banks, financial institutions and enterprises plug into Wise's networkWise Platform
Adoption notes
DeploymentWise Platform offers direct access to domestic payment systems in 8 markets: Australia, Br
LicenseNot disclosed by source
Model supportNot disclosed by source
Data controlWise runs 7 million fraud checks per day (80 per second) via always-on automatic monitorin · Wise is a Money Service Business (MSB) registered with FinCen and is not an FDIC-insured b · Wise operates 80 licences worldwide, combining local compliance expertise with automated d · Wise is licensed to hold customer money and follows strict rules set out by regulators in · Wise's regulatory obligation is to hold all customer money in cash, secure liquid assets,
Learning curveIntermediate
Primary use casesInternational money transfers with low-cost fees, Personal multi-currency account for sending, spending, and converting money like a local, Business account for start-ups and scale-ups managing international finances, Automated cross-border payments and custom finance management via open API, Issuing cards and multi-currency accounts through Wise Platform, Connecting accounting software to Wise Business, Managing international finances for start-ups and scale-ups, Personal international account for sending, spending, and converting money like a local, Business account for start-ups and scale-ups operating internationally, Personal Wise Account is an international account for sending, spending and converting mon, International account for personal users to send, spend and convert money like a local, International business account for start-ups and scale-ups, International money transfers and cross-border money management, Sending money abroad and managing money across borders, Multi-currency accounts, Send money, receive money, and business banking services
What to verify before adopting
- When an account is closed, customers usually have 90 days from the first email to move the
- The Wise Mobile App has not yet been tested and uplifted in line with the relevant accessi
- The Wise Website's 'Batch Transfer Page' has known issues with keyboard accessibility.
- Customer license is limited to personal use only and does not extend to third-party produc
Evolution and major updates
Research in progressWise timeline
A concise history of software releases and material product changes. Events appear only when a dated source supports what changed.
Scheduled for research
Building a reliable release history.
This profile is being checked for dated releases and material product changes. Nothing appears here until the exact date and event can be verified from a recorded source.
Dated event Short explanation Original source
Citation ledger
17 unique pagesRecorded sources
Facts, answers, structured details, milestones and primary resource links cite this shared ledger. Each external page appears once; release tags from the same GitHub project are grouped under one release history.
- 1wise.com 11 facts · 4 answers · Official site
- 2wise.com/help 6 facts · 3 answers · Official site
- 3wise.com/us/press 6 facts · 2 answers · Official site
- 4wise.com/us/pricing 6 facts · 2 answers · Pricing
- 5wise.com/us/pricing/business 6 facts · 2 answers · Pricing
- 6wise.com/gb/legal/privacy-notices 6 facts · 1 answer · Security
- 7wise.com/help/articles/2235393/how-do-i-make-a-complaint 6 facts · 1 answer · Official site
- 8wise.com/help/articles/473W1lKUiKkVFMNeBQgrAG/accessibility-at-wise 6 facts · 1 answer · Official site
- 9wise.com/help/articles/79CxCv9Qj1r7mDPJuIwUA3/wise-intellectual-property 5 facts · 2 answers · Official site
- 10wise.com/us/about/our-story 6 facts · 1 answer · Official site
- 11wise.com/us/safety-and-security 6 facts · 1 answer · Security
- 12wise.com/help/articles/4Mo9V7MyXos6scM7xvhg15/licences-and-regulators-when-holding-money-as-interest-and-stocks 6 facts · Official site
- 13wise.com/p/research-privacy-policy 6 facts · Security
- 14wise.com/us/blog 6 facts · Official site
- 15wise.com/help/articles/2949821/how-wise-keeps-your-money-safe 5 facts · Official site
- 16wise.com/platform 5 facts · Official site
- 17wise.com/us/business/api 3 facts · 2 answers · Documentation
Research status99 substantive facts · 17 source pages · quality score 95/100
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