Wise - USD Rate Margin Analysis
The average USD rate margin offered by Wise is 0.51%.
This average is based on individual USD 10K transfer rates in the currency pairs from Wise that we monitor.
Wise - Best and Worst Value Rates
The tables below show the best and worst exchange rate margins offered by Wise for US dollar (USD 10K) transactions. Margins show the percentage difference from the mid-market rate.
Wise fees for United States customers
Wise's US personal pricing advertises currency conversion from 0.57%, but the actual fee varies by currency, amount and payment method. Review the live quote before sending.
- Personal account registration: free.
- Physical Wise Multi-Currency Card: US$9 with no subscription fee.
- Digital card: free for eligible customers.
- Wise ATM fee: no charge on up to US$250 withdrawn per calendar month; each withdrawal after that costs US$1.95 plus 1.95%.
- External e-wallet and specified cash-like funding transactions: 2%.
ATM operators can charge separately. Card spending in a currency already held is free; otherwise Wise applies the mid-market rate and a conversion fee.
Wise timing, safeguarding and support
Wise shows an estimated arrival before confirmation. Some transfers are immediate or same-day; others take several business days depending on funding, currencies, banking hours, recipient processing and verification.
Most transfers use a guaranteed rate for a stated period. Wise must receive the full payment in time for that rate to apply. Some routes use a live rate, so the recipient amount can change before processing.
Wise safeguards eligible customer money separately from its operating funds under market-specific rules. Safeguarding is not the same as ordinary bank deposit insurance, and investment products have separate terms.
Wise offers authenticated online support and regional telephone support. Its current help page states that phone lines are open 24/7, although customers should log in to see the appropriate number and options.
Verify recipient details carefully. Safeguarding does not reimburse an authorised transfer sent to a scammer.
What is the Wise Send Money conversion rate for USD to TOP?
The Wise USD to TOP exchange rate is 2.3084. This is -4.1% compared to the latest USD-TOP mid-market rate 2.4078.
As exchange rates can vary significantly between banks and also between currency exchange providers, it's therefore important to carefully compare US dollar (USD) to Tongan paanga (TOP) rates from different sources before making a conversion.
The above Wise - Dollar to Paanga comparison table makes it easy to compare the Total Fees (both variable and fixed) you are being charged by Wise and other foreign exchange providers against the latest USD-TOP mid-rate and the possible savings of using various providers.