Wise
International transfers and a multi-currency account without hidden fees
Wise (formerly TransferWise) is a financial app enabling low-cost international transfers and a multi-currency account in over 40 currencies. Currency conversion is based on the mid-market rate with no hidden margins, making it ideal for frequent travellers and expats.
Financial apps
Wise účet
Free
Apple Pay
✓
Google Pay
✓
All plans
Wise účet
FreeA multi-currency account at the real mid-market exchange rate with no monthly fee, supporting Czech koruna (confirmed directly on wise.com/cz — the exchange rate and a sample transfer fee are shown in CZK).
- Transfers at the mid-market rate with no markup
- An account in 40+ currencies at once, including CZK
- A card for payments in any country
- Instant transfers to other Wise users
- A transparent fee structure
Multi-currency
Open account
Plan comparison
Feature
Wise účet
Monthly fee
Free
Transfer fee
From roughly 0.4% of the amount (example on wise.com/cz: a 41.13 Kč fee for a sample transfer)
ATM withdrawals
2 free withdrawals per month up to a combined ~200 GBP (Wise's global policy, quoted in GBP regardless of account currency — not confirmed directly for CZ)
Supported currencies
40+ currencies, including CZK
Payment card
Wise card (one-off fee, roughly 170 Kč at the current rate for Wise's global ~€7 fee — verify the exact CZK amount before publishing)
Balance interest rate
Wise Assets Europe (EUR/GBP/USD) — exact rate not confirmed on the CZ page
Frequently asked questions
What is Wise and what are its advantages? ＋
Wise (formerly TransferWise) is a financial platform enabling cheap international transfers and a multi-currency account. It stands out with transparent fees, the mid-market exchange rate with no hidden spread, and support for over 50 currencies. Ideal for people working abroad or shopping in foreign currencies.
How does the Wise multi-currency account work? ＋
The Wise account lets you hold funds in over 50 currencies simultaneously, receive payments in EUR, GBP, USD, and other currencies like a local bank (with local IBANs), and send and convert money at the mid-market rate with a low, transparent fee.
Is Wise safe? ＋
Yes, Wise is regulated by the FCA in the UK and equivalent bodies in the EU. Customer funds are held separately from Wise's operational funds in safeguarded bank accounts. Wise is not a bank, so deposits are not covered by FSCS or BFG.
What are Wise transfer fees? ＋
Wise fees depend on the currency and transfer amount — typically 0.5–1.5% of the transfer value (plus a small fixed minimum fee). Compared to traditional banks and currency exchanges, Wise is typically 6–8 times cheaper for currency transfers. A cost calculator is available at wise.com.
Does Wise offer a debit card? ＋
Yes, Wise offers a Visa or Mastercard debit card that draws directly from the multi-currency account at the mid-market rate. ATM withdrawals: the first 2 withdrawals per month up to PLN 350 are free; above the limit a fee of PLN 1.50 + 1.75% applies.