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About Wise

Our Mission

Money without borders

We are building the best way to move and manage the world's money. We are building an evangelical customer base - we served nearly 19 million customers in FY26, with many joining based on a recommendation.

Powered by our world class infrastructure. Built to sustain rapid and substantial growth. Investing towards moving and managing trillions. Building 'the' network for the world's money

Min Fees. Max Ease. Full Speed.

Mission Pillars

To achieve this mission, we focus on four key pillars to solve real customer problems.

Speed

Moving money instantly. We integrate directly into local payment rails, bypassing intermediaries so funds arrive in seconds.

Price

Min fees: Increasing volume drives down unit costs, allowing sustainable price reduction.

Max yields: Offering customers a way to earn returns on their balances with convenient, immediate access.

Convenience

Maximum ease of use. A seamless digital experience for personal, business, and platform partners to manage their global finances natively.

Transparency

What you see is what you get. We use the mid-market exchange rate with no hidden markups, ending deceptive banking practices.

Global Infrastructure

Building the network for the world's money

We are building a global infrastructure designed to offer customers a better experience when moving and managing their money around the world, aiming to offer lower prices, higher yields, faster speeds, and unrivalled service.

The components of our infrastructure

Connections

Connections to domestic payment systems, lowering costs and improving speed.

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Licenses

80+ regulatory licenses worldwide for maximum security and compliance.

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Technology

A highly scalable, API-first cloud architecture powering both Wise apps and enterprise partners.

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Operations

24/7 global operations managing real-time liquidity, machine-learning fraud detection, and support.

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Our infrastructure enables faster, lower-cost payments and powers our customer offerings.

Payment speed (%)

86% 90% 95% 94% 96% 58% 71% 81% 83% 87% 39% 50% 60% 63% 74% Q2 FY22 Q2 FY23 Q2 FY24 Q2 FY25 Q2 FY26 Instant (<20sec) <1hr <24hrs

Cross-border take rate (bps)

64 59 56 53 52 52 Q1 FY25 Q2 FY25 Q3 FY25 Q4 FY25 Q1 FY26 Q2 FY26

Traditional Correspondent Banking: Slow, Sequential, Expensive

 

Sender (AU)

→
 
→
 
→
 
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Recipient (UK)

2-5 daysEstimated Time
$$$Hidden Fees

Enabled by Wise Infrastructure: Fast, Transparent, Direct

 

Sender

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Wise Logo

Wise Australia

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Wise Logo

Recipient

Instant*Estimated Time
$Low Transparent Fees

* As of Q4 FY26, Wise completes 75% of transfers in under 20 seconds.

Our Products

We are building products to move and manage trillions.

Our products serve our three distinct customer solutions, all powered by our global infrastructure.

Wise Account

Our solution for individual customers.

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Wise Business

Our solution for small businesses, with the main features of the Wise Account along with business-specific functionalities.

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Wise Platform

Our solution powering banks, financial institutions and enterprises through our infrastructure.

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Wise Infrastructure

Through these solutions we offer our customers products that allow them to:

Send and Convert money

Spend money

Hold money and earn on their balances

Manage their money in other ways

Our product footprint

Hover on each country to see available products

 
 
Data as of April 2026

Connections

Through our connections we are building a domestic presence (directly or through partner banks), allowing us to power local payments so our consumers can use Wise for everyday banking. This localized approach allows us to process payments instantly, reducing fees and unpredictable delays.

8
Direct connections into domestic payment systems
Japan Brazil Uk Singapore Philippines EU Hungary Australia
90+
amplified by a network of connections to local gateway banks and providers

Direct connections give us end-to-end control improving speed and reducing costs

Indirect
Access
wise
Intermediary Bank
Payment System

Nearly instant transaction speed

Higher Transaction Cost¹

Multiple Points of Contact

↓
Direct
Access
Wise
Payment System

<20s Transaction Speed

~9x Lower Transaction Cost

End-to-end Solutions

Note: (1) Average fee defined by the median fee to transact 1,000 base currency across the following routes (GBP>USD).

Proven expertise to secure direct connections

DEMANDING APPROVAL AND
BUILD PROCESS

  • Multi-year license and authorization process

  • Highest operating and technical standards required

  • Expertise at building these connections

  • Reinforces our competitive moat

FULL END-TO-END CONTROL
WITHIN PAYMENT NETWORK

  • Remove middleman costs

  • Faster transfers for customers

  • Reliable experience

  • Lower operations cost

Licenses

80+ Global Licenses

Our products are supported by our ever-growing global licensing footprint. We frequently work with regulators in countries around the world to obtain the licenses and approvals needed to operate and provide the products and features that our customers want at home, and abroad.

Securing new licenses also allows us to offer new products and features, further fueling our rapid global expansion.

Our licenses enable us to offer customers the ability to:

Send

Send money in 40+ currencies to 160+ countries.

Hold and Earn

Hold money in 40 currencies securely and earn interest on balances.

Wise Card

Make payments online and in stores in 40+ currencies across 160+ countries and territories.

Global Access

Withdraw money from three million ATMs worldwide.

Technology

900+ Engineers Globally

Highly scalable and secure by design proprietary technology interconnecting our operations and network.

Our cloud-hosted, horizontally scalable infrastructure allows for growing agility and unparalleled reliability as we expand worldwide.

Built for scale
Unparalleled reliability
Cloud hosted

Global by design with unique localization expertise

Local Inputs

Local employees

Localized onboarding

Local entities

Single Global Technology Stack

A global product with local customizations

Global Outputs

Single global treasury

Single code base

Global monitoring

Operations

Our global operations team runs 24/7. From advanced Machine Learning models for KYC/AML to world-class treasury and liquidity management, our operations engine ensures money moves safely, compliantly, and efficiently at all times.

24/7
Support globally
20
Service global locations

Superior operations enable better customer experiences

Lower
incident rate
Growing
processing speed
Increasing
automation

Send and Convert money

Our customers can move money globally, or convert into 40+ currencies within their account, with speed, transparency, and low costs. We always use the mid-market exchange rate - no hidden fees, just fair pricing.

40+
Currencies supported
160+
Countries coverage

Send money

Fast, transparent, and low-cost international money transfers. We use the mid-market exchange rate with no hidden fees, and unparalleled speed.

Convert money

Through our multi-currency account, customers can seamlessly convert their balances between 40+ currencies, always at the mid-market exchange rate with a transparent fee.

Convert money interface

Spend money

Our customers can spend on their everyday needs at home, and around the world like a local - automatically converting at the best possible rate.

160+
Countries to spend in
3M+
ATMs globally

Virtual cards

We also offer digital cards, which customers can use to spend in-store, online and abroad while saving on currency conversion fees, with the extra layer of security of the Wise digital card. An advantage of a digital card is that it is available instantly.

Virtual cards app

Business cards

Our business customers can order physical or digital debit cards for their employees. Allowing them to separate expense types, pre-set individual spending limits and track purchases in real time. Such employees can use their own Wise Business debit cards to pay supplier invoices, buy inventory and withdraw cash from ATMs.

Business cards

Smart conversion

Customers do not need to hold the local currency in their account because Wise can convert the amount from another currency the customer holds using our “Smart Conversion” technology, which automatically selects and converts money from a currency with the lowest conversion fee for that transaction.

Smart conversion card

Hold money and earn on balances

Allowing our customers to hold money and earn a return on your balances where available.

Hold in 40+ currencies
Earn through Wise Assets

Safe and convenient

We keep our customers' deposits protected with safeguarded, separate accounts and 2-step authentication and encryption to keep their data secure.

Safe and convenient

Earn on balances

Eligible customers can earn an interest or cashback on balances held on their Wise Account¹.

Earn on balances

Wise Assets

Eligible customers can earn a return on the money held in their account by investing in funds holding secure, government-guaranteed assets or in a selected index-tracking fund, while retaining instant access to their funds to make payments or spend with a Wise card.

Wise Assets
Note: (1) In FY25 we paid interest at variable rates to customers on balances held in Wise Accounts in the following jurisdictions and currencies: Brazil (on BRL balances), European Economic Area (balances in EUR, USD and GBP), USA (on eligible balances in USD, EUR and GBP).

Manage money in other ways

We are building products that allow our customers to manage their money globally, from enabling different ways for our customers to get paid, to building solutions so they can more easily operate their business.

Receiving money

Customers can make payments to their contacts on Wise, or request money from anyone with their unique Wisetag. They can also get paid like a local by sharing domestic account details for same-currency payments, or international account details for Swift transfers.

Receiving money

Invoicing and getting paid

Business customers can create invoices with our invoicing tool and add local account details, or a payment link, to send with them. They can also accept card payments or get paid by QR code.

Customers can also avoid high currency conversion fees when selling on global marketplaces by adding domestic account details to the platform they’re selling on, and receive the money directly into their Wise account.

Invoicing and getting paid

Accounting integrations

Our business customers can connect their account to their accounting software, cutting out manual data entries and unnecessary cross checks.

Accounting integrations

And much more

We continue building products our customers love. From managing their kids' money through Young Explorers to automating mass payouts with Batch Payments, we equip customers with everything they need to manage their money globally.

And much more

Download the App

Move and manage money across borders. Send, spend, and receive in 40+ currencies.

Scan to download Scan to download Wise App