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As with all financial institutions, you’ll need to complete a verification step to get your account registered. Wise is working to keep costs down for customers - but there are a few key fees you’ll want to know about if you’re thinking of getting a Wise account. If you need to convert currencies to send your payment, you’ll also be able to see the exchange rate and any relevant fee before you confirm. Once you’ve ordered a Wise debit card, you can also generate Wise digital cards - a virtual card that lives on your phone and can be handy for mobile and online payments. All currency exchange uses the mid-market rate with transparent fees, and you’ll be able to easily manage and review your currencies in the Wise app. Wise uses the mid-market exchange rate with fees from 0.63% to convert and send your funds to the recipient’s bank4. If you're new to Wise and wondering how Wise works, this guide has you covered. 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