Analyze your Wise statement: spot the fees and FX markups

Where money quietly leaks with Wise

Wise is genuinely cheap compared with old-school banks, which is exactly why people stop watching the small print. The leaks are rarely one big charge. They are lots of small ones that only show their size when you look across a whole year.

• The per-conversion fee. A small percentage on each currency exchange looks like nothing on a single transfer, but if you convert often, or in small amounts, the percentage adds up faster than you would guess.
• ATM withdrawals beyond the free allowance. Wise gives you a monthly free amount and a number of free withdrawals. Go past it, especially while travelling, and each cash withdrawal starts carrying a fee plus a percentage.
• Holding currencies you do not use. Balances you opened for one trip or one invoice can sit idle for months, and money parked in the wrong currency quietly loses value when rates move against you.
• Recurring subscriptions paid from the account. Because a Wise card is handy for international services, it often becomes the default card for streaming, software and trials you meant to cancel.

This matters even more if you are an expat or send money home. Frequent transfers to family, salary landing in one currency and rent leaving in another, a card used across two or three countries: every one of those is a place where a small percentage repeats, month after month.

Here is an illustrative picture of how small charges become a real yearly number. These figures are examples to show the shape of the problem, not data from any account.

None of these would make you blink on a single line of the statement. Together they are the difference between a tool that saves you money and one that quietly costs you.

Upload your Wise statement and see your real number, free ›

What FLOW finds in your Wise statement

FLOW reads the whole statement the way a careful accountant would, only in seconds. It does not guess and it does not need your login. From the file alone it surfaces:

• Every recurring charge. Each subscription and repeating payment, grouped so you can see what is still worth it and what is not.
• The true yearly cost of conversions and ATM fees. Not a single fee in isolation, but the annual total once you count every exchange and every cash withdrawal.
• Forgotten subscriptions. The trials that turned into payments and the services you stopped using but never cancelled.
• Your top leaks, ranked. The biggest drains first, so you know exactly where cancelling or switching frees up the most money.

The result is one clear report: what your Wise account is really costing you, and the few changes that would claw most of it back.

Three steps to your report

1. Export. Download a PDF or CSV statement from Wise for the period you want to review.
2. Upload. Drop the file into FLOW. No bank login, no password, just the statement.
3. Read your report. Get your recurring charges, your true yearly fee total and your top leaks ranked, in minutes.

FLOW is in early access, so you are getting in before the crowd, and your first report is free. The whole point is to turn a statement you already have into a decision you can act on today.

See what your Wise account is really costing you, free ›