How much does Wise cost?

Wise publishes 3 tiers, from Free for Personal account up to On request for Send or convert money. The entry tier costs nothing.

What is the difference between Personal account and Wise debit card on Wise?

Wise debit card costs $9/one-time against Free, and adds 9 usd one-off issue fee in the us, 7 gbp in the uk, no subscription fee, spending a currency you already hold is free, atm withdrawals free up to 250 usd or 250 gbp per calendar month.

Is the Send or convert money plan on Wise worth it?

That depends entirely on whether you need what it adds, which on the published record is from 0.23 percent on the us pricing page and from 0.24 percent on the uk page, the exact percentage varies by currency pair, funding by card or e-wallet costs more than funding by bank transfer, mid-market exchange rate with no margin added. It costs On request against $9/one-time for Wise debit card. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.

Which personal finance tools can I use without paying?

6 of the 8 personal finance tools listed alongside Wise have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.

What am I actually paying for with Wise?

The record lists 17 features across 3 areas: other, integrations, platform. In practice it is brought in for budget management, expense tracking, investment tracking.

Does Wise charge per user?

The record carries a price and a billing period for each of its 3 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.

Are these Wise prices current?

They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.

What should I compare Wise against before paying?

The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with Wise covering price, platforms and features.

Personal Finance · pricing

Wise pricing

Wise publishes 3 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.

As of 1 September 2026, Wise pricing is free across 3 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.

Entry price: Free
Model: Percentage of the amount converted
Tiers: 3
Free tier: Yes

Wise plans, side by side

Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.

Wise pricing tiers
Plan	Price	Features listed	Step up from the tier below
Personal account	Free	5	Entry tier
Wise debit card	$9/one-time	5	+$9/one-time, 5 more features
Send or convert money	On request	5	Priced on request

What each tier adds

The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.

Personal account

Free

The entry tier. It covers free to register, no monthly or subscription fee, hold balances in dozens of currencies at no charge, local account details for receiving payments, wise to wise transfers in the same currency are free, fees apply only when you send or convert.

Wise debit card

$9/one-time

Over Personal account, this tier adds:

9 USD one-off issue fee in the US, 7 GBP in the UK
No subscription fee
Spending a currency you already hold is free
ATM withdrawals free up to 250 USD or 250 GBP per calendar month
After that, 1.95 USD plus 1.95 percent per withdrawal in the US, 2.69 percent over 250 GBP in the UK

Send or convert money

On request

Over Wise debit card, this tier adds:

From 0.23 percent on the US pricing page and from 0.24 percent on the UK page
The exact percentage varies by currency pair
Funding by card or e-wallet costs more than funding by bank transfer
Mid-market exchange rate with no margin added
UK page applies an automatic discount past 20,000 GBP equivalent per month

Where Wise stops being free

Personal account, Free

Free to register, no monthly or subscription fee
Hold balances in dozens of currencies at no charge
Local account details for receiving payments
Wise to Wise transfers in the same currency are free
Fees apply only when you send or convert

Wise debit card, $9/one-time

The first thing you pay for:

9 USD one-off issue fee in the US, 7 GBP in the UK
No subscription fee
Spending a currency you already hold is free
ATM withdrawals free up to 250 USD or 250 GBP per calendar month
After that, 1.95 USD plus 1.95 percent per withdrawal in the US, 2.69 percent over 250 GBP in the UK

What the product covers

The full Wise feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.

Other

International transfers
Real exchange rates
Multi-currency accounts
Bill payments
Mid-market conversion
Multi-currency balances
Local account details
Wise debit card
Large transfer discount
Upfront fee quote
Recurring and batch payments
Public API

Integrations

Bank accounts
Cryptocurrency

Platform

Web support
IOS support
Android support

People bring Wise in for budget management, expense tracking, investment tracking. If that is not the job you are buying for, the alternatives to Wise are worth a look before you commit to a tier.

How that compares in Personal Finance

Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.

Wise entry price against other Personal Finance tools
Tool	Entry price	Model	Rated	Head to head
Wise (this page)	Free	Percentage of the amount converted	-
Monzo	Free	Free core current account; paid Plus and Premium tiers add features	-	vs Wise
Revolut	Free	Free standard tier; paid plans add higher limits, insurance and perks	-	vs Wise
Strands	On request	quote	-	vs Wise
Affirm	Free	Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee	-	vs Wise
Firefly III	Free	Open source, no licence fee	-	vs Wise
Lunch Money	$60/year	Pay what you want, annual, above a published minimum	-	vs Wise

Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Wise badges page.

Before you pay for Wise

Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.

What it can tell you is the shape of the ladder: 3 tiers between Free and On request, with the jump itemised above. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.

Wise runs on web, ios, android, and is published by Wise of London, United Kingdom. The full record is on the Wise review, and the rest of the category is under best personal finance tools.

Wise pricing on the vendor's own site

Wise pricing questions

How much does Wise cost?: Wise publishes 3 tiers, from Free for Personal account up to On request for Send or convert money. The entry tier costs nothing.
Does Wise have a free plan?: Yes. The Personal account tier costs nothing and covers free to register, no monthly or subscription fee, hold balances in dozens of currencies at no charge, local account details for receiving payments. Paying starts at $9/one-time for Wise debit card.
What is the difference between Personal account and Wise debit card on Wise?: Wise debit card costs $9/one-time against Free, and adds 9 usd one-off issue fee in the us, 7 gbp in the uk, no subscription fee, spending a currency you already hold is free, atm withdrawals free up to 250 usd or 250 gbp per calendar month.
Is the Send or convert money plan on Wise worth it?: That depends entirely on whether you need what it adds, which on the published record is from 0.23 percent on the us pricing page and from 0.24 percent on the uk page, the exact percentage varies by currency pair, funding by card or e-wallet costs more than funding by bank transfer, mid-market exchange rate with no margin added. It costs On request against $9/one-time for Wise debit card. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.
Which personal finance tools can I use without paying?: 6 of the 8 personal finance tools listed alongside Wise have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.
What am I actually paying for with Wise?: The record lists 17 features across 3 areas: other, integrations, platform. In practice it is brought in for budget management, expense tracking, investment tracking.
Does Wise charge per user?: The record carries a price and a billing period for each of its 3 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
Are these Wise prices current?: They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
What should I compare Wise against before paying?: The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with Wise covering price, platforms and features.