Wise is a London-based financial technology company founded by Estonian businessmen Kristo Käärmann and Taavet Hinrikus in January 2011, with the vision of making international money transfers cheap, fair, and simple. Now days, this Crown Recommended Partners multi-currency account helps over 10 million people and businesses manage their money across the world. Visit Wise How Wise works? Wise is a peer to peer (P2P) service, the process is seamless and is completed almost instantly. Once you pay this Crown Recommended Partner, in USD to send money to Europe, Wise store your funds in a local US escrow account until they find another customer who wants to send a similar amount of EUR to the United States. After this Crown Recommended Partner has found a match Wise will send the EUR from the other customer to your bank account in Europe. The exchange of money happens via Wise's local accounts all over the world so they can cut exchange rates and lower transactions fees. Moving and living abroad made simpler Receive your salary, pension, and more Relocate without the stress and without the multiple bank accounts. Share your details with your employer, pension scheme, family or friends, and get paid like a local. Spend in local currency with your Wise card Avoid the bank appointments and start spending as soon as you get there. With the Wise debit card, you’ll always get the best possible exchange rate. Move your money between countries Send money to 160 countries, always with a low and transparent fee. With Direct Debits in the UK, Europe, US and Canada, paying your bills and subscriptions across currencies is easier than ever. Visit Wise Shopping through overseas online stores Pay at the real exchange rate Avoid sneaky bank exchange rate markups and high foreign transaction fees. Pay only a low upfront conversion fee, and no annual card fee. Always pay in the local currency If you’re shopping online, always choose to pay in the currency of the country you’re buying from. If you don’t have it in your account, the card will automatically convert to it from the balance that’s cheapest for you. You’ll avoid Dynamic Currency Conversion fees. Pay online securely with instant notifications Authorise payments with 3-D Secure authentication. Receive instant notifications when you spend. The perfect card for frequent travellers Spend in multiple currencies Get yours for 5 GBP to spend in the local currency, wherever you are. With a better exchange rate and lower fees than your bank. You are always in control Freeze and unfreeze your card whenever you like. And with PIN reminders and instant transaction notifications, you can stay in the know. Works Worldwide Use your card in more than 160 countries and withdraw money from 2.3 million ATMs. Tap or swipe anywhere — and use Google Pay and Apple Pay in supported countries.