Wise (TransferWise) Pricing in 2026
Everything you need to know about Wise (TransferWise) plans, costs, and whether the free plan is enough for your needs.
Last updated: February 2026 · 2 plans compared
📝 Our Take on Wise (TransferWise) Pricing
Wise is the clear winner for international payments. Their mid-market exchange rate saves freelancers 3-5% compared to traditional banks and PayPal. The multi-currency account is perfect for receiving payments in USD, EUR, GBP without conversion. The Business API enables automated mass payouts — ideal for platforms paying global contractors.
Wise has no monthly fees — you only pay when you convert or transfer. A typical USD→EUR transfer costs about 0.5-0.7%, compared to 3-4% at traditional banks. For freelancers receiving $5K/month internationally, Wise saves $150-200/month vs PayPal.
📋 Free Plan Details
Limits: Free multi-currency account. Hold 40+ currencies. Free debit card (first one). Fees only on conversions and transfers.
Users: 1 user (Personal). Business plan for teams.
All Wise (TransferWise) Plans
Free
Forever free
1 user (Personal). Business plan for teams.
Personal
per user/month
Business
per user/month
💰 Real Cost by Team Size
Based on the entry-level paid plan. Annual estimates assume ~20% discount.
Frequently Asked Questions
How much does Wise (TransferWise) cost in 2026?
Wise (TransferWise) offers a free plan and paid plans starting at Free / $0/mo per user/month.
Does Wise (TransferWise) have a free plan?
Yes, Wise (TransferWise) offers a free plan. Free multi-currency account. Hold 40+ currencies. Free debit card (first one). Fees only on conversions and transfers. The free plan supports 1 user (Personal). Business plan for teams..
What does Wise (TransferWise) cost for a team of 10?
Pricing varies by plan. Contact Wise (TransferWise) for team pricing or see the detailed breakdown above.
Not sure about Wise (TransferWise)?
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