What Wise Actually Charges You
Wise publishes every fee before you pay it, which is more than most banks can say. But free still has edges: conversions start at 0.57%, the card costs €7, and cash beyond €250 a month costs 2.69%.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €0/month | No subscription, no monthly fee and no charge for holding money in the multi-currency account. You pay per use, not per month. |
| Cards | €7 one-off | One-time fee to order the physical Wise debit card. Digital cards are free, and spending a currency you already hold costs nothing. |
| ATM withdrawals | 2.69% over €250/month | Since 1 May 2026, withdrawals are free up to €250 per month with no limit on the number of withdrawals. Wise charges 2.69% only on the amount above that allowance. |
| Foreign exchange | from 0.57% | Currency conversion at the mid-market rate with a transparent fee that varies by currency pair. There is no hidden exchange rate markup on top. |
| Transfers | €2.39 SWIFT in | Fixed fee for receiving EUR via SWIFT. Receiving domestic and SEPA payments in euro is free; sending money costs the published conversion fee from 0.57%. |
Questions people actually ask
No. The Wise account has no subscription and no maintenance fee, and holding balances in multiple currencies is free. You only pay when you convert, withdraw beyond the free ATM allowance, or order the physical card.
Conversion fees start from 0.57% and vary by currency pair, always applied on the mid-market rate. The exact fee is shown before you confirm, with no markup hidden in the exchange rate.
Up to €250 per month with no limit on the number of withdrawals, under the structure in force since 1 May 2026. Above €250 Wise charges 2.69% on the excess, and some ATM operators add their own fee.
Receiving euro by domestic or SEPA transfer is free. Receiving EUR via SWIFT costs a fixed €2.39 per payment.
The physical debit card costs a one-off €7. Digital cards are free, and there is no annual card fee afterwards.
Sources
Every number above comes from the bank's own documents.
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