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Wise

Exchange last verified by Payn on Mar 24

Mid-market rateRate alerts
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Spread

0% (mid-market)

Hold and convert between 40+ currencies at the real mid-market rate. Set rate alerts and auto-convert when rates hit your target.

We'll send you straight to Wise when you're ready.

Where this ranks

4thof 18

Better than 14 exchanges on cost.

Where you can apply

Pan-European

Available across the EU and EEA.

Your real cost

What this transfer would actually cost you.

Move the slider. The math uses Wise's published fee and FX spread — the difference between the headline rate and what you actually pay.

Pulled from this offer

Conversion fee: 0.35% – 1%

Spread: 0% (mid-market)

Recipient amount is shown in source-currency terms for clarity. The exchange rate Wise applies on the day determines the actual destination amount.

Recipient gets

€1,000.00

Out of €1,000.00 sent. Of that, €0.00 stays with Wise as fee + spread.

Total cost€0.00

Everything you should know

The full picture, no fine print games.

Spread

0% (mid-market)

↓ best in class

Conversion fee

0.35% - 1%

↓ best in class

Currencies

40+

─ average

What people ask about this

Questions before you sign anything.

How long will the money take to arrive?

Most modern services (Wise, Revolut, OFX, Atlantic Money) deliver same-day for major EU-EU and EU-UK corridors. Cross-currency transfers to non-EU countries take 1-2 business days. Cash pickup (WorldRemit, Western Union) is usually within minutes.

What does 'mid-market rate' mean?

The real exchange rate you'd see on Google or Reuters — not the rate your bank quotes. Apps like Wise and Atlantic Money use the mid-market rate and charge an explicit fee; banks usually add an invisible markup (2-4%) on top of the rate instead.

Is my money safe in transit?

Yes — every regulated provider holds your money in a safeguarded client account, separated from their company funds. If the provider failed, your money would be returned. None of these services hold your money as a deposit — that's why FSCS / deposit guarantees don't apply.

What ID will they ask for?

First transfer usually needs a passport / EU ID upload. KYC is automated and takes under 10 minutes for most users. Larger amounts (>€10k) may trigger an extra source-of-funds question.

Last checked

We last verified these numbers on March 24, 2026.

Rates and conditions can change between checks. Confirm the headline numbers on the provider's own site before signing anything.

Spread

0% (mid-market)