Wise plc is a UK-headquartered fintech that provides digital cross-border money services for consumers and businesses. Through its app and web platform, Wise enables low-cost international transfers, currency conversion at the mid-market rate, and multi-currency balances with local account details in supported markets.

Consumer and business products

The Wise Account lets users hold and exchange multiple currencies, receive money with local bank details, and spend via the Wise Card. Wise Business adds multi-user access, permissions and approvals, batch payments, and business cards for expense management. Wise also offers Wise Interest and Wise Stocks (via its Wise Assets products in eligible markets).

Platform and APIs

Wise Platform provides APIs to embed payments and accounts, including programmatic transfers, pay-in deposit details, and creation of local bank account details, supporting payouts and treasury workflows for partners.