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[4.8 â
on App Store 147K reviews](https://wise-app.sng.link/Apnl5/0r11?_dl=tw%3A%2F%2F&_smtype=3&)
[4.8 â
on Google Play 1.1M reviews](https://wise-app.sng.link/Apnl5/3b0q6?_dl=tw%3A%2F%2F&_smtype=3&)
Connect your money worldwide
============================
Pay and get paid globally. Move money where it matters: from paying your mortgage in euros to sending rupees overseas. Fast, simple and secure.
[Send money now](/register?redirectUrl=%2Fonboarding%3Forigin%3DSTANDARD)[How our transfers work](/us/send-money/)
* Trusted by millions
Millions of customers globally move around 13 billion USD each month
* Regulated
All funds are deposited with banks like [JPMorgan Chase Bank](https://wise.com/help/articles/5toCJQjm9MkTs8bEKSm30O/how-our-us-entity-wise-us-inc-protects-customer-funds?origin=related-article-2949821) in the US
* 24/7 customer support
Get help from 1,000s of specialists any time over email, phone and chat
Send money globally for less
----------------------------
[Save up to 2x](https://wise.com/us/comparison/us-price-comparison-research-2024) on international transfers â with fees as low as 0.1%.
* **Low fees** â fees get cheaper the more you send
* **Lightning fast** â money typically arrives in seconds
This is an average based on past transfer speeds. Use the calculator to get a personalised estimate.
* **Perfectly predictable** â lock in an exchange rate for up to 48 hours
[Learn how to send money](/us/send-money/)
 Rate guaranteed (9h)
1 USD = 0.9230 EUR
You send exactly
USD
Sending over 20,000 GBP or equivalent? We'll discount our fee
Recipient gets
EUR
Paying with
Connected bank account (ACH)
Change
* Connected bank account (ACH) fee
1.70 USD
* Our fee
3.78 USD
* * *
**
Total included fees (0.55%)
****
5.48 USD
**
* You could save up to 46.87 USD
Should arrive **in 2 hours**
Compare fees
Send money
Never pay a hidden fee again
----------------------------
Banks and other providers add markups to the exchange rate to make you pay more. Not us â see for yourself.
[Send money now](/register?redirectUrl=%2Fonboarding%3Forigin%3DSTANDARD%26intent%3DSEND)[Learn how to send money](/gb/send-money)
Sending 1,000 USD with
Recipient gets(Total after fees)
56,791.91 PHP
Transfer fee
8.27 USD
Exchange rate(1 USD PHP)
57.2655
Exchange rate markup
\-61,046.16 USD
* * *
Cost of transfer
\-61,037.89 USD
* * *
55,568.54 PHP\- 1,223.37 PHP
Exchange rate(1 USD PHP)
55.5685
Exchange rate markup
\-59,207.53 USD
* * *
54,535.40 PHP\- 2,256.51 PHP
Transfer fee
4.99 USD
Exchange rate(1 USD PHP)
54.8089
Exchange rate markup
\-58,384.47 USD
* * *
Cost of transfer
\-58,379.48 USD
This applies when you pay in via ACH payments. [How do we collect this data?](https://wise.com/us/compare/disclaimer)
Amount
From
USD
United States dollar
To
PHP
Philippine peso
[Show more providers](https://wise.com/us/compare?sendAmount=1000&sourceCurrency=USD&targetCurrency=PHP)
This applies when you pay in via ACH payments. [How do we collect this data?](https://wise.com/us/compare/disclaimer)
Do more with Wise in the US
---------------------------
You can use Wise for much more than just sending money. Here is what's available, based on where you live.
[Open an account](/register?redirectUrl=%2Fonboarding%3Forigin%3DSTANDARD)
* ### Receive money fast
Get paid easily in other currencies with global account details.
23 currencies
[Explore getting paid](/us/receive-money)
* 3.92%APY on USD
### Receive interest\*
Opt in and get passthrough FDIC insurance up to $250,000 through our Program Bank.[1](#disclaimer-anchor-0)
[See our interest feature](/us/interest)
\*Receive interest is not available to residents of New York and Alaska at this time.
Built for business too
----------------------
Go global with our international business account. Make payments and get paid in 40+ currencies. Join over 600,000 businesses thriving with Wise.
[Try demo](https://wise.com/business-demo)[Learn more](/us/business/)
Disappoint thieves
------------------
Every month, millions of our personal and business customers trust us to move over 13 billion USD of their money.
[How we keep your money safe](/us/safety-and-security/)
* Our dedicated fraud and security teams work to keep your money safe
* We use 2-factor authentication to protect your account
* We hold your money with established financial institutions
Manage your money worldwide
---------------------------
Save money when you send, spend and get paid in different currencies. All you need, in one account, whenever you need it.
[Open an account](/register?redirectUrl=%2Fonboarding%3Forigin%3DSTANDARD)Compare savings
Get paid in different currencies, fast
--------------------------------------
Request and receive money directly with Wise, and get paid easily with account details in top currencies. It's even slicker when you sync your contacts.
[Open a Wise account](/register/?redirectUrl=%2Fonboarding%3Fintent%3DUNIFIED_ONBOARDING)[Learn about receiving money](/us/receive-money/)
Boost your balances
-------------------
Opt in to our interest feature and earn 3.92% APY[2](#disclaimer-anchor-1) (annual percentage yield) on your USD, 2.83% APY on your GBP, and 1.41% APY on your EUR balances.
[Discover interest feature](/us/interest/)
[4.8 â
on App Store 147K reviews](https://wise-app.sng.link/Apnl5/0r11?_dl=tw%3A%2F%2F&_smtype=3&)
[4.8 â
on Google Play 1.1M reviews](https://wise-app.sng.link/Apnl5/3b0q6?_dl=tw%3A%2F%2F&_smtype=3&)
For people going places
-----------------------
"They make our life split between two continents possible. Transfers are simple and very, very fast."
[Read review on Trustpilot](https://www.trustpilot.com/reviews/6502faa17a75830973fb7eff)
"Always fast transactions and good fees. An invaluable online bank for those who live outside their own country or are frequent travellers."
[Megan on Trustpilot](https://trustpilot.com/reviews/64fee4a292c6f9b399c6df52)
Meet money without borders
--------------------------
Weâre building the best way to move and manage the worldâs money. Min fees. Max ease. Full speed.
[Learn about our mission](https://wise.com/p/our-mission)
[4.8 â
on App Store 147K reviews](https://wise-app.sng.link/Apnl5/0r11?_dl=tw%3A%2F%2F&_smtype=3&)
[4.8 â
on Google Play 1.1M reviews](https://wise-app.sng.link/Apnl5/3b0q6?_dl=tw%3A%2F%2F&_smtype=3&)
Get the app for managing money everywhere
-----------------------------------------
Scan to get the Wise app
[](https://wise-app.sng.link/Apnl5/0r11?_dl=tw%3A%2F%2F&_smtype=3)[](https://wise-app.sng.link/Apnl5/3b0q6?_dl=tw%3A%2F%2F&_smtype=3)
Wise works nearly everywhere
----------------------------
Send money
Account details
Hold and convert money
* [Send money to Australia](/us/send-money/send-money-to-australia)
* [Send money to Brazil](/us/send-money/send-money-to-brazil)
* [Send money to Canada](/us/send-money/send-money-to-canada)
* [Send money to China](/us/send-money/send-money-to-china)
* [Send money to Colombia](/us/send-money/send-money-to-colombia)
* [Send money to France](/us/send-money/send-money-to-france)
* [Send money to Germany](/us/send-money/send-money-to-germany)
* [Send money to India](/us/send-money/send-money-to-india)
* [Send money to Indonesia](/us/send-money/send-money-to-indonesia)
* [Send money to Japan](/us/send-money/send-money-to-japan)
* [Send money to Mexico](/us/send-money/send-money-to-mexico)
* [Send money to New Zealand](/us/send-money/send-money-to-new-zealand)
* [Send money to Philippines](/us/send-money/send-money-to-philippines)
* [Send money to South Korea](/us/send-money/send-money-to-south-korea)
* [Send money to Spain](/us/send-money/send-money-to-spain)
* [Send money to Thailand](/us/send-money/send-money-to-thailand)
* [Send money to the United Arab Emirates](/us/send-money/send-money-to-united-arab-emirates)
* [Send money to the UK](/us/send-money/send-money-to-the-uk)
[
Show more
](/us/send-money)
* United States dollar
Routing number, Swift/BIC, Account number, and Account type[Get USD account details](/us/account/usd-account)
* British pound
Swift/BIC, IBAN, Sort code, and Account number[Get GBP account details](/us/account/gbp-account)
* Euro
Swift/BIC and IBAN[Get EUR account details](/us/account/eur-account)
* United Arab Emirates dirham
Swift/BIC and IBAN[Get AED account details](/us/account/aed-account)
* Australian dollar
Swift/BIC, Account number, and BSB code[Get AUD account details](/us/account/aud-account)
* Bulgarian lev
Swift/BIC and IBAN[Get BGN account details](/us/account/bgn-account)
* Canadian dollar
Swift/BIC, Account number, and Institution number[Get CAD account details](/us/account/cad-account)
* Swiss franc
Swift/BIC and IBAN[Get CHF account details](/us/account/chf-account)
* Chinese yuan
Swift/BIC and IBAN[Get CNY account details](/us/account/cny-account)
* Czech koruna
Swift/BIC and IBAN[Get CZK account details](/us/account/czk-account)
* Danish krone
Swift/BIC and IBAN[Get DKK account details](/us/account/dkk-account)
* Hong Kong dollar
Swift/BIC and IBAN[Get HKD account details](/us/account/hkd-account)
* Hungarian forint
Swift/BIC, IBAN, and Account number[Get HUF account details](/us/account/huf-account)
* Israeli shekel
Swift/BIC and IBAN[Get ILS account details](/us/account/ils-account)
* Japanese yen
Swift/BIC and IBAN[Get JPY account details](/us/account/jpy-account)
* Norwegian krone
Swift/BIC and IBAN[Get NOK account details](/us/account/nok-account)
* New Zealand dollar
Swift/BIC and Account number[Get NZD account details](/us/account/nzd-account)
* Polish zĹoty
Swift/BIC and IBAN[Get PLN account details](/us/account/pln-account)
* Swedish krona
Swift/BIC and IBAN[Get SEK account details](/us/account/sek-account)
* Singapore dollar
Bank name, Bank code, and Account number[Get SGD account details](/us/account/sgd-account)
* Turkish lira
IBAN[Get TRY account details](/us/account/try-account)
* Ugandan shilling
Swift/BIC and IBAN[Get UGX account details](/us/account/ugx-account)
* South African rand
Swift/BIC and IBAN[Get ZAR account details](/us/account/zar-account)
* United States dollar
* British pound
* Euro
* United Arab Emirates dirham
* Australian dollar
* Bangladeshi taka
* Bulgarian lev
* Canadian dollar
* Swiss franc
* Chilean peso
* Chinese yuan
* Colombian peso
* Costa Rican colĂłn
* Czech koruna
* Danish krone
* Egyptian pound
* Georgian lari
* Hong Kong dollar
* Hungarian forint
* Indonesian rupiah
* Israeli shekel
* Indian rupee
* Japanese yen
* Kenyan shilling
* South Korean won
* Sri Lankan rupee
* Moroccan dirham
* Mexican peso
* Malaysian ringgit
* Nigerian naira
* Norwegian krone
* Nepalese rupee
* New Zealand dollar
* Philippine peso
* Pakistani rupee
* Polish zĹoty
* Romanian leu
* Swedish krona
* Singapore dollar
* Thai baht
* Turkish lira
* Tanzanian shilling
* Ukrainian hryvnia
* Ugandan shilling
* Uruguayan peso
* Vietnamese dong
* West African CFA franc
* South African rand
1. The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the [Program Agreement](https://wise.com/us/legal/us-interest-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 âsweptâ into a Federal Deposit Insurance Corporation (âFDICâ) insured interest-bearing account at one or more participating banks (each, a âProgram Bankâ) 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](http://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 âEligible Balancesâ).
2. Annual Percentage Yield (APY) - rates shown are true as of 3/6/2025. See [Program Agreement](https://wise.com/us/legal/us-interest-program-agreement) for details.