Wise — routes, payout methods & regulation

Coverage checked 2026-09-23 on Wise's own website. All providers

Wise is a money transfer company. Below is what its own website says about the routes fin·calc tracks: where it sends, how recipients can be paid and how you can pay — each row linked to the page we checked. We don't publish its fees or exchange rates, because they change by amount, payment and payout method; get a live quote from wise.com and paste it into our transfer calculator to see its true cost against the reference rate.

How Wise says it charges

'We only use the mid-market rate — the one you can check on Google'; fees shown upfront, sending fees 'From 0.24%' varying by currency. source

Whatever the headline fee, compare what your recipient actually gets: the exchange rate used can cost more than the fee. Our true cost calculator splits the two.

Regulation (as stated by Wise)

Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money. source

Wise is a Money Service Business ('MSB') registered with FinCen, not an FDIC-insured bank. It is authorized to operate as a MSB in most states. source

Check the regulator's own register before sending large amounts.

Routes we checked

"Could not verify" means the official page was unavailable to us or silent — not that the route doesn't exist. Methods are only those the page states; an empty list means the page didn't say. Delivery times and limits aren't listed because we haven't verified them per route.