Wise: UK 2026 Pricing & Fee Calculator
Wise Business is a multi-currency account for receiving and converting international payments, not a card checkout. Its main cost is currency conversion, from about 0.33% to 0.6%.
What Wise charges
| Fee | Rate |
|---|---|
| Receiving GBP (Faster Payments) | Free |
| Receiving via local details | Free in major currencies |
| Currency conversion | From about 0.33% to 0.6% |
| Card payment gateway | Not a card acquirer |
How the fees work
Wise is not a card-acquiring checkout like Stripe or Worldpay; it is a multi-currency account for getting paid by international clients and converting money cheaply. Receiving GBP via Faster Payments and receiving major currencies through local account details is generally free, and conversion costs from about 0.33% to 0.6% (shown here as a typical 0.43%).
Use Wise alongside a card processor: take card payments through a gateway, then use Wise to hold and convert any foreign-currency revenue at a low FX rate. The calculator here reflects the FX conversion cost, not a card acceptance fee.
Check the official pricing
Fees change. Confirm the current rate at Wise Business.