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TransferWise was born of frustration

Sending money abroad is deceptively expensive, thanks to the hidden charges we’ve all been forced to pay. The banks claim “free money transfers”, “0% commission.” Sounds like money’s already flowing freely, but far from it. It’s pure propaganda.

TransferWise removes all the wrongness, letting people send money abroad at the lowest possible true cost. Using only real exchange rates and tiny not-hidden-fees. Headaches averted, and a revolution sparked.

How it happened

Taavet Hinrikus and Kristo Käärmann are two friends who believe that money is meant to flow freely. But in the absence of a global currency, it doesn’t. An epiphany saved them thousands of pounds.

Taavet had worked for Skype in Estonia, so was paid in euros, but lived in London. Kristo worked in London, but had a mortgage in euros back in Estonia. They devised a simple scheme. Each month the pair checked that day’s mid-market rate on Reuters to find a fair exchange rate. Kristo put pounds into Taavet’s UK bank account, and Taavet topped up his friend’s euro account with euros. Both got the currency they needed, and neither paid a cent in hidden bank charges.

“There must be others like us," the epiphany went.

And the rest is TransferWise.

I pay my way.
I pay by Wirex.

We give you the power to use your money, your way, on one borderless payment platform. Buy, store, exchange and spend your digital or traditional currencies, anytime, anywhere.

Take control of your money. One platform, 18 digital and traditional currency accounts.

Your money
Your Wirex card

The Wirex Visa card earns Bitcoin rewards with every in-store purchase and gives you the power to spend your cryptocurrency in real life. It’s your money, take control.

Invite friends 

A Radically Better Account

Banks will charge you when you spend or transfer money abroad. We’re not about that, and that’s why over four million people have switched to Revolut.

Manage your money

OPEN A CURRENT ACCOUNT IN MINUTES

Unlike banks, opening an account with us only takes a few minutes, and because we don’t believe in branches, you can set one up directly from your phone.

BUILT-IN BUDGETING

We’ll show you exactly where your money is going each month, and even let you set up monthly budgets for things like restaurants and groceries.

SAVE YOUR SPARE CHANGE

Round up every card payment to the nearest whole number, and we’ll stash your spare change away and help you save for your goals.

Travel with ease

SPEND ABROAD

We don’t believe in financial borders, so it’s only fair that we let you spend abroad in over 150 currencies with the interbank exchange rate, with a small 0.5% fee for anything above £5,000 each month. A flat mark-up on weekends and on certain currencies may apply.

WITHDRAW MONEY ABROAD

Although ATM withdrawals cost us money, we give you £200 a month in international ATM withdrawals for free. Anything over £200 attracts a small 2% fee to help us cover our costs.

INSURANCE AT THE TOUCH OF A BUTTON

From your health to your phone, we’ll make sure you and the things you love are protected worldwide from as little as £1.00 per day. Insurance provided by Revolut Travel Ltd.