Wise pays £10 per personal account, £50 per business

What Wise is, and why it appears twice in an affiliate's life

Wise moves money between currencies at the mid market rate, the number you see on Google, and charges a stated fee on top instead of hiding a margin inside the exchange rate. That single design decision is the entire product, and it is why the company grew into a multi currency account, a debit card and a business account used by millions of people and companies.

For readers of this site there is a second reason it matters, and it is unusual enough to say early. Wise is not only a program you can promote. It is one of the accounts affiliates use to receive their own commissions, alongside PayPal and Payoneer. Very few listings in this directory are simultaneously a product you sell and a rail you get paid through, and that dual role shapes who converts on it.

The program at a glance

A full year of attribution, measured against everything else we track

This is the term that makes the program, and the only way to show it properly is with the rest of the directory next to it.

Across the 150 programs here that publish a cookie window at all, the median is 45 days. Sixty four of them, more than a third, sit on the 30 day default. Only eight reach 365 days or beyond, and six of those achieve it by declaring an unlimited lifetime cookie rather than a measured window. Among programs that publish a finite number, Wise sits at the very top alongside AWeber and SpyFu.

Inside its own category the gap is starker. Wise runs a year. The next longest finance program in this directory is FreshBooks at 120 days, and most of the category, including Fundrise, Robinhood, SoFi and Webull, sits at 30.

Why does that matter more here than almost anywhere else? Because nobody opens a currency account on a whim. They read about it when researching, then actually open one when a real need arrives: a first overseas client, a move abroad, an invoice in another currency, a holiday. The gap between reading and needing is routinely months. A 30 day cookie throws almost all of that away. A year captures it.

The practical consequence is that evergreen content works here in a way it does not for most programs. A guide about receiving international payments keeps paying you for a year after each reader arrives, so the article compounds instead of decaying.

£10 and £50 are the same effort for five times the money

The rate splits by account type. A new personal customer pays £10. A new business customer pays £50.

Read that as a targeting instruction rather than a fact. The work of writing an article, the click, the cookie and the conversion are identical in both cases. The only variable is who read it. Five hundred personal referrals and one hundred business referrals produce the same £5,000, which means a small audience of freelancers, agencies, ecommerce sellers and consultants is worth several times a large audience of casual travellers.

That reframes the content entirely. An article about the cheapest way to send holiday money is a £10 article. An article about how a freelancer invoices an overseas client, or how a small agency pays contractors in three countries, is a £50 article aimed at people who already have the problem. Same publishing effort, five times the return.

If you get past roughly fifty new customers a month, Wise invites you to negotiate custom rates directly, which is worth knowing before you assume the published figures are the ceiling.

You are paid for a transfer, not for a signup

This is the term people miss, and it is the difference between a forecast that works and one that does not.

The commission triggers when a referred customer completes a qualifying cross currency action: an international bank to bank transfer, a conversion inside the multi currency account, or an automatic conversion on the debit card. Signing up is not enough. A referral who opens an account, verifies identity, and never moves money across currencies pays you nothing.

That is a stricter bar than the CPA programs it sits next to in the finance category, several of which pay on a funded account or even a completed application. It is also the reason the year long cookie is not simply generosity. Wise is not paying for registrations; it is paying for customers who actually use the product, and it gives you a year for that behaviour to show up.

Two things follow. Your conversion rate from click to commission will look worse than a signup based program, and your earnings per referral will be more reliable, because Wise only pays for the people who became real customers. Judge this program on commissions per hundred readers, not on signups.

What you are not allowed to do

Two rules worth reading before you spend money on traffic. Partners may not bid on Wise brand terms or misspellings in paid search, and may not redirect users from paid search straight through to the Wise website.

Both are standard for a brand of this size and both are aimed at the same behaviour: buying ads on someone else's brand name and intercepting demand the brand already created. If your model is content and organic search you will never touch either rule. If your model is paid search, this is not the program for you, and finding that out now is cheaper than finding out after a payout is reversed.

How it compares with the other payout rails

Since Wise sits in the same conversation as PayPal and Payoneer for affiliates, the comparison is worth making plainly.

PayPal is the widest accepted rail and the one most networks default to, but its cost lives in the currency spread rather than in a visible fee, which our guide to programs that pay through PayPal works through in detail. Payoneer is the bridge for the big networks that refuse PayPal entirely, CJ Affiliate, Awin, ShareASale and ClickBank among them. Wise competes on the exchange rate itself, which matters most when you are converting a meaningful monthly balance rather than an occasional small payout.

Notably, Wise pays its own affiliates into a bank account or a Wise account, so if you promote it and use it, the commission arrives in the same place your other income does.

Who should promote it

The audiences that convert are the ones with a currency problem they already know about. Freelancers and agencies invoicing overseas clients. Ecommerce sellers paying suppliers abroad. Remote workers paid in a currency they do not spend. Expats, students abroad, and people moving country. Small business content about paying international contractors, which is where the £50 rate lives.

It pairs unusually well with content about getting paid, which is a large part of why it belongs on a site like this one. An article about receiving affiliate income internationally has a natural, non forced place for Wise, and the reader arrives already understanding the problem.

It converts poorly for general personal finance audiences inside a single currency country. Somebody who never sends money abroad has no reason to open the account, and no cookie length fixes an audience that does not need the product.

The honest read

Graded A, and unlike most A grades in this directory it is earned on structure rather than on the size of the payment. A year of attribution, a documented monthly payout date, a top tier network in Partnerize, and clearly published rules is close to the best terms design available here.

Three honest limits. Ten pounds is a small commission in absolute terms, so this is a volume program for consumer audiences and only becomes serious money on business referrals or at scale. The qualifying action is a completed transfer rather than a signup, so a share of your genuinely interested referrals will never pay. And commissions are quoted in pounds, which introduces a currency question of its own if you are paid and spend in something else, an irony worth appreciating in a program about currency conversion.

Set against that: the cookie is at the top of everything we measure, the payout schedule is specific rather than vague, the brand needs no explaining to a reader, and the business rate rewards precisely the kind of targeted content that is worth writing anyway.

Common questions

How much does the Wise affiliate program pay? £10 for each new verified personal account and £50 for each new business account, once the referred customer completes a qualifying cross currency transaction. Affiliates bringing more than about fifty new customers a month can approach Wise for custom rates.

How long is the Wise affiliate cookie? 365 days. That is a full year, against a median of 45 days across the 150 programs in this directory that publish a window at all, and three times longer than any other finance program we list.

What counts as a conversion for Wise? A completed cross currency action by a new customer: an international bank to bank transfer, a conversion inside the multi currency account, or an automatic conversion on the Wise card. Opening an account alone does not earn a commission.

When does Wise pay its affiliates? Commissions are approved and deposited at the start of each month and normally paid by the 15th, to a bank account or a Wise account, with the transfer itself taking up to five business days.

What network is the Wise affiliate program on? Partnerize. That matters for payout logistics, because Partnerize supports PayPal and bank transfer, which our PayPal rails guide covers in the context of networks that do not.

Can I run paid search ads for Wise? Not on the brand. Partners may not bid on Wise brand terms or misspellings, and may not redirect paid search traffic straight to the Wise site. The program is built for content and organic audiences.

Is Wise better than PayPal or Payoneer for receiving affiliate commissions? They solve different parts of the problem. PayPal is the most widely accepted, Payoneer is the bridge to networks that never pay PayPal such as CJ, Awin, ShareASale and ClickBank, and Wise generally competes on the exchange rate. Many affiliates end up holding more than one, and the right answer depends on which networks you earn from and which currency your bank runs.