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What can I do with Wise?

How you can use Wise depends on where you live. See currencies and what's available in your country today.
  • A Wise transfer of British pound to Euro.

    Send money worldwide

    Make fast and cheap international transfers and save on fees.

    Learn about transfers
  • Wise balance for United States dollar.

    Receive money fast

    Get paid easily in other currencies with global account details.

    Explore getting paid
  • 3.92%APY on USD

    Receive interest*

    Opt in and get passthrough FDIC insurance up to $250,000 through our Program Bank.1 2

    See our interest feature
  • A Wise debit card.

    Save on spending abroad

    Pay and withdraw cash worldwide without any foreign transaction fees.

    Learn about Wise cards

*Receive interest is not available to residents of New York and Alaska at this time.

Trusted by millions

Millions of customers globally move around £12 billion each month

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All funds are deposited with banks like JPMorgan Chase Bank in the US

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  1. The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account “swept” into a Federal Deposit Insurance Corporation (“FDIC”) insured interest-bearing account at one or more participating banks (each, a “Program Bank”) that will hold and pay interest on the deposit funds. For a complete list of Program Banks, please see Appendix 1 of the Program Agreement. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.

    For customers opted in to receive interest on EUR and GBP balances, the FDIC passthrough insurance provided by our program bank is for up to the equivalent of 250,000 in total for your USD, EUR and GBP combined balance amounts (collectively, the “Eligible Balances”).
  2. Annual Percentage Yield (APY) - rates shown are true as of 8/12/2025. See Program Agreement for details.