How to Set Up a Wise Multi-Currency Account

Create Your Account

Sign up at wise.com with your email. Choose between a personal or business account. Business accounts require company registration documents.

Verify Your Identity

Upload a government-issued photo ID and take a selfie for verification. Business accounts also need proof of address and beneficial owner information. Verification takes 1-2 business days.

Open Currency Balances

Go to your Wise account and open balances in the currencies you need. Each balance comes with local bank details — a US routing number, UK sort code, EU IBAN, etc.

Add Money to Your Account

Fund your account via bank transfer, debit card, or direct deposit. Bank transfers have the lowest fees. Set up direct deposits from employers or clients using your local details.

Order Your Wise Card

Order the Wise debit card from the app. It costs a small one-time fee. The card spends from your balances at the real exchange rate with minimal conversion fees.

Set Up Recurring Transfers

If you regularly send money internationally, set up scheduled transfers. Wise applies the mid-market rate at the time of transfer with transparent, upfront fees.