Wise

We earn nothing from Wise. It is ranked on the same numbers as everyone else.

Who it suits, and where it falls short

We have not written our verdict on Wise yet. It comes after we have tested it.

Fees and limits are in the sending currency. Each figure says where it came from and when we checked it.

Prices for Wise on each route we have checked
Route	Applies to	Fee	Exchange-rate margin	Limits	Payout time
UK (GBP) to Kenya (KES)	Paid out to bank Fee not stored: it varies by amount (GBP 4.74 on GBP 300, about 1.6%; volume discount above GBP 20,000 a month). Margin is Wise's claim of the mid-market rate with no markup. Arrival shown as 'Today - in seconds'. The GBP 20 million limit depends on how you pay; card payments have a lower one.	Not yet verified	0% Provider fee page, 22 Oct 2026	Up to £20,000,000 Provider support, 22 Oct 2026	1 min Provider fee page, 22 Oct 2026

Send from: UK (GBP), USA (USD)
Receive in: Nigeria (NGN), Kenya (KES), Ghana (GHS), Uganda (UGX), South Africa (ZAR)
Pay by: Not yet verified
Paid out to: Bank in Nigeria, Bank in Kenya, Bank in Ghana, Bank in Uganda, Bank in South Africa

From: Provider support, 22 Oct 2026

FCA claimed, not yet confirmed · ref. FRN 900507
UK · Electronic money institution (Wise Payments Limited). From: Provider support, 22 Oct 2026.

Profile last reviewed 22 Oct 2026. The oldest figure on it was checked 22 Oct 2026.

Desk research, 22 Oct 2026 Desk research, row R05 of the provider research sheet. Data confidence: Provider. Backs: research notes
Provider website, 22 Oct 2026 · Open source Read during desk research; no figure cites it yet
Provider support, 22 Oct 2026 · Open source Backs: limits
Provider support, 22 Oct 2026 · Open source Backs: licence
Provider fee page, 22 Oct 2026 · Open source Backs: exchange-rate margin and payout time
Provider website, 22 Oct 2026 · Open source Read during desk research; no figure cites it yet
Provider support, 22 Oct 2026 · Open source Backs: coverage and payment methods