Wise (TransferWise) Multi-currency Account

The Wise Platinum Debit Mastercard holds 40+ currencies, and you get five sets of international bank details.

The Wise multi-currency account comes with a linked Platinum Debit Mastercard that you can use in Australia or overseas. The account holds over 40 foreign currencies, and gives you local bank account details for NZ, the UK, the US and Europe so you can send and receive money like a local. It’s the equivalent of having a local account in the countries that use those currencies. Plus, you can exchange currencies using the real exchange rate, with no markups.


Account keeping fee


ATM withdrawal fee


Overseas ATM withdrawal fee

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Product NameWise multi-currency Account
Monthly account fee$0
Card accessMastercard
ATM Withdrawal Fee$0
International transaction fee0%
Monthly deposit required to waive account feeN/A
Contactless PaymentsApple Pay, Fitbit Pay

Review by

Alison Banney is the banking and investments editor at Finder. She has written about finance for more than 8 years with her work featured on sites including Yahoo Finance, Money Magazine and Dynamic Business.

Expert review

Independent research commissioned by Wise reveals using this card to exchange currencies, and to send or receive foreign currencies, is up to 10 times cheaper than the big banks.


Key features

Over 40 currencies supported

This multi-currency account allows you to hold money in over 40 global currencies, and spend in more than 150 countries. You can exchange one currency into another currency instantly using your mobile app or by logging into your account online.

Comes with 5 sets of international bank account details

Not only does this account support 40 currencies, but you also receive bank account details for Europe, The UK, New Zealand, the US as well as Australia. It's like having a local account in each of those markets. For example, you can get paid in USD directly into your account or you can pay an invoice in GBP using your UK account details.

How to apply

If you're keen to open a Wise multi-currency account, you can do this online in less than 10 minutes. This account is currently available for personal use, as well as for businesses and sole traders.


  • Open an account. You need to first create an account online with Wise, and then login.
  • Personal details. Fill in your personal profile details. If you're a business, you need to include your business details including your registered business name and Australian Business Number (ABN) if you're creating a business account.

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    Default Gravatar
    February 26, 2020

    Does third party operators charge an ATM withdrawal fee when withdrawing overseas ?

      Default Gravatar
      February 26, 2020

      Hi Darren,

      Thanks for contacting Finder.

      You should not be charged for any third-party ATM fees if you’re going to withdraw cash overseas. If you’re prompted for an extra charge for using the ATM, you may cancel the transaction and look for another ATM.

      I hope this helps.


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