Wise is a global technology company building the best way to move and manage the world's money. The real exchange rate. A small, transparent fee. No bank markup.
* Eligible new customers may receive a fee-free transfer up to £500 or a free Wise card via Wise's referral programme - subject to current Wise terms.
Via this referral link
Wise's referral programme may offer eligible new customers a fee-free transfer up to £500 or a free Wise card when they sign up and complete their first transfer.
About Wise
Referral offer subject to Wise's current terms and eligibility criteria. See wise.com for details.
Exchange calculator
Rates for 2026-10-18
1 GBP = 1.1859 EUR · reference rate 2026-10-18
Fee estimated from Wise's GBP→EUR quotes on 18 Oct 2026. Recipient amount is after this fee. Wise shows the exact fee before you pay.
Transfer now with Wise77% arrive in seconds
Most transfers complete in under 20 seconds
Real mid-market rate
No markup. What you see is what they get
FCA regulated
Authorised in the UK, Firm Reference 900507
16M
Customers, per Wise (Oct 2026)
95%
Transfers within a day, per Wise
50+
Currencies you can send to
£0
Hidden fees in the rate
How it works
Open a free Wise account and make your first international transfer in just a few steps. The real exchange rate, a small transparent fee - nothing hidden.
Enter your transfer
Choose currencies and type an amount
Review the details
See the real rate, fee, and arrival time
Transfer sent instantly
77% arrive in under 20 seconds, per Wise
Review transfer
GBP
EURPopular routes
Why Wise
Real exchange rate
The mid-market rate on every transfer. No markup, no hidden fees - ever.
50+ currencies
Send money to 50+ currencies, according to Wise.
Wise card
Spend in 150+ countries with the Wise card at the real exchange rate.
Hold 40+ currencies
Keep balances in 40+ currencies and switch between them instantly.
77% instant
Wise says 77% of transfers complete in under 20 seconds and 95% arrive within a day.
FCA regulated
Authorised by the FCA in the UK (Firm Reference 900507) and regulated in the other countries Wise operates in.
Business accounts
Batch payments, multi-currency accounts, and accounting integrations.
Referral rewards
Earn cash rewards every time a friend joins Wise using your link.
Process
Create your free account
Sign up in minutes at transferbetter.com. No monthly fees, no minimum balance.
Verify your identity
A quick security check required by regulators for all international payments.
Send or spend globally
Transfer money abroad or use your Wise card wherever you are in the world.
Questions
Learn
The mid-market rate is the midpoint between the buy and sell prices of any two currencies - the same rate you see on Google or XE.com. Banks access it when trading with each other but rarely pass it on. Understanding it is the most important step in avoiding overpaying on international transfers.
A 3% bank markup on a £5,000 transfer removes £150 before any stated fee appears - and that is just the first of three hidden cost layers. This guide explains each one and how Wise avoids them.
Wise says 77% of its transfers arrive in under 20 seconds. But the underlying speed depends on which payment rails carry the money - Faster Payments, SEPA, or SWIFT - and each works very differently.
UK senders have three main payment rails: Faster Payments for GBP, SEPA for EUR, and SWIFT for everything else. The cheapest and fastest option depends on which currency you are sending and where.
Get started via transferbetter.com
Open a Wise account through this referral link. Eligible new customers may receive a fee-free transfer up to £500 or a free Wise card via Wise's standard referral programme - subject to current Wise terms.
Open your Wise accountOffer eligibility and terms set by Wise Payments Limited. See wise.com for details.
