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Not your average current account

Send, spend and manage your money across 160+ countries and earn a game-changing return. Can your bank say the same?
Open a current account

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The current account that pays up

Unlike banks, Wise is built to save you money internationally and earn standout returns at home.1 It’s good for your money.

Earn 3.23% variable rate

When Wise Assets is on, your money’s invested in a super low-risk fund. Keep spending it every day, just like with other current accounts.2

Bar chart showing steady interest growth from April to August.

Instant international transfers

74% of transfers arrive in under 20 seconds, 95% in a day. That’s fast.3

Get paid around the world

Your bank does GBP. A Wise current account gets you paid fast and free from anywhere with local IBANs, routing numbers and more.

One card, every country

Never leave home without it. Welcomed at 2 million ATMs worldwide and good for spending in 160+ countries.

Two overlapping green Wise debit cards.

Every bill, one account

Set up Direct Debits and repeat payments for rent and utilities, no matter what country they're in.

A person in a kitchen holding a phone while managing bills.

Simply convenient

Friends looking at a phone together and smiling
Spend with pals from one pot
Four people sharing a Wise account pot
Split tabs and tables instantly
A woman scanning a QR code to pay a bill
Take pics, pay bills

No plans, all premium

Unlike banks, a Wise current account is global by default. And it's up to 70% cheaper internationally.4
See our pricing

No fee to sign up

Your account is free to open, and we don't charge a subscription

Use 40 currencies for free

No conversion? No fee. And no foreign transaction costs either

Real mid-market exchange rate

Unlike others, we never add anything to the exchange rate5

Built-in security

Safety checks on every transaction
24/7 fraud monitoring
Eligible for protection up to £85,000 under FSCS (Financial Services Compensation Scheme) with Wise Assets
See how we're secure

Questions answered

  1. Your Wise Current Account is an e-money account, which means that funds are not protected under the Financial Services Compensation Scheme (FSCS). Instead, we safeguard your funds in line with our regulatory obligations. Learn more.
  2. Money can decrease in value if governments default or interest rates go negative. Current rates do not guarantee future performance. Variable rate is based on 7 day performance as of 27/03/2026. Taxes may apply. For full 5 years past performance Learn more.
  3. In Q4 2025, 74% of transfers were instant (under 20 seconds). Transaction speed depends on individual circumstances. Find out more here.
  4. Savings based on comparisons with select competitors in July 2025. Learn more at: wise.com/gb/comparison/uk-price-comparison-research-2025
  5. Learn more about the mid-market exchange rate: wise.com/gb/mid-market-rate