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Question about money transfer using Wise

Pablo888

29 August 2025

I noticed something funny about money transfer using Wise.  I am not sure if there is a catch or whether I am doing something wrong.  I searched the web and could not find any suitable answer.


Here is the question:

Background - I am transferring from bank in California USD to Wise USD.

  1. When I use Wise “Add money” feature, the funds transferred always have a fee associated with the transfer.  This fee is taken out of the transferred money.
  2. When I use Wise  “Receive Payment” and use the bank send money to Wise account, there is no fee.

What is the catch?  Is the reason for the no fee in “Receive Payment” because the ACH bank transfer from US bank to Wise US is free?  If so why use the “Add money” feature when transferring in the US?


Would love to know more about your experience with transferring money from the US using Wise...


Thank you.

See also

Banking in BrazilTips/timeline for getting a Brazilian credit cardWise Multi-Currency Debit CardOpening first bank account - Any recommendations?Problems with paying in stores with international cards