Our agreements with you

1. Your location

If you live in The following agreements will apply to you
The UK or a jurisdiction other than the ones listed below
EEA, excluding Belgium When you send, hold, spend, or receive money with TransferWise after 14 December 2020: In all other circumstances:
Belgium When you send, hold, spend, or receive money to or from your TransferWise balance after 17 March 2020, or if you send money with TransferWise after 14 December 2020: In all other circumstances:
US in the states listed here (“TW Inc Licenses”)
Nevada, Hawaii, Guam, US Virgin Islands, Mariana Islands and American Samoa
Canada
Japan (日本)
Brazil When you transfer Brazilian Real from Brazil to other available currencies:
Singapore
Australia
New Zealand
Hong Kong
Malaysia
India

2. Additional activities

You agree that for certain transactions, one or more of our group companies (and in some instances together with a third party) will be the providers of those services to you. You agree to comply with the relevant terms and conditions set out below in respect of those transactions:

Location If you perform the following activities: The following agreements will apply to you:
Canada
  • When you transfer or add money to your Borderless Account from Canada.
  • When you transfer Canadian Dollars from Canada to other available currencies
Japan (日本)
  • When you transfer or add money to your Borderless Account from Japan 日本からマルチカレンシー口座に送金・資金をチャージする場合
  • When you transfer Japanese Yen from Japan to other available currencies 日本円を日本から別の利用可能な通貨に送金する場合
Singapore
  • When you transfer, or add money to your Borderless Account from Singapore.
  • When you transfer Singaporean Dollars from Singapore to other available currencies.
Hong Kong
  • When you transfer, or add money to your Borderless Account from Hong Kong.
  • When you transfer Hong Kong Dollars from Hong Kong to other available currencies.
Turkey
  • When you transfer, or add money to your Borderless Account from Turkey.
  • When you transfer Turkish Lira from Turkey to other available currencies.
United Arab Emirates
  • When you transfer United Arab Emirates dirham from United Arab Emirates to other available currencies.
Malaysia
  • When you transfer Malaysian Ringgits to other available currencies.
India
  • When you transfer Indian Rupees to other available currencies.
Indonesia
  • When you transfer Indonesian Rupiah to other available currencies.
Global
  • If you use our rate tracking service
Global
  • If you participate in our “refer a friend” program

Other documentation