What is this feature?
Spendesk lets you pay international invoices directly from your Spendesk account, keeping all your payments in one place. We've partnered with Wise, a global payment provider, to make international transfers fast, transparent, and cost-effective.
Important: This feature is currently available for customers with € wallets only. It is currently in Bêta for GBP wallets.
How to set up international transfers
Step 1: Enable wire transfers
If you already pay invoices using wire transfers, go to Step 2.
This step must be completed by Account Owners.
Log into your Spendesk account
Go to Settings > Company rules > Payment methods
Turn on Wire transfers to suppliers
Step 2 (EUR accounts): Complete required information
This step is for customers that joined Spendesk before July 2025. If you joined Spendesk after July 2025 skip ahead to Pay an international invoice.
Got a UK account ? Follow instructions here.
This step must be completed by Account Owners.
Go to Invoices > Schedule or Confirm
In the “Pay Suppliers Worldwide” Banner at the top of the page, click on the Update details button
Follow the steps in your Client portal
Verify company information
Check the list of UBO & Direction information related to your company & add their country of residence
Check your details are correct and press next
Your information will then be reviewed, the status of review can be found in the banner on the Invoices > Schedule or Confirm pages
Step 2 (GBP accounts): How to set up international transfers
In Bêta.
This step must be completed by Admins and Account Owners.
Navigate to the integrations page in Spendesk.
Connect to Wise and accept the Wise's Terms and Conditions.
Complete the verification process in Wise’s portal: most information will be pre-filled but you may be requested to provide additional documentation.
Additional documents might include: proof of address, business registration document, IDs.
The Business Registration document can be granted by the UK company house, via this link.
Status outcomes:
The verification status is visible in the integrations page.
Approved: You can start paying international invoices within Spendesk.
Pending verification: Awaiting confirmation from Wise.
Pending actions: You will be notified by email when Wise requests additional information required to complete the verification process.
Rejected: contact our support team for further clarification.
Activation: Once the your profile is approved, the international wire transfer feature will be available for use. You will be notified by email and in your Spendesk account that you’re good to go.
Pay an international invoice
1. Review your invoice
Go to Invoices > Review
Select your international invoice
Choose the supplier's bank country
Create or select the supplier (you don't need all details yet)
Click Send to schedule
2. Schedule the payment
Go to Invoices > Schedule
Select your international invoice
Click Update to add recipient information
Fill in the required recipient details (this varies by country/currency and transfer type)
Select Pay from Spendesk
Click Send to confirm
💡 Tip: Choose the transfer type based on your supplier's preferences or the information available on their invoice.
3. Confirm the transfer
Go to Invoices > Confirm (Account Owners only)
Select the invoice(s) to confirm
Review the transfer details:
Exchange rate
Fees
Converted amount
Total outgoing amount
Estimated delivery time
Click Confirm transfer(s)
Complete authentication
Important information:
Exchange rates update every 30 minutes, so the final amount may vary slightly if your transfer is scheduled for a future date.
Maximum €100,000 per transfer
Maximum €500,000 per month total
Track your payments
View payment status
Go to Invoices > History
Select your international transfer
View detailed payment information including:
Payment status
Exchange rate applied
Fees charged
Delivery timeline
Download proof of transfer
In Invoices > History, select your completed payment
Click Proof of transfer
Download the document
Local vs SWIFT transfers
We offer two types of international transfers:
Local transfers (Recommended)
Best for: Payments in the recipient's local currency (e.g., USD to USA, INR to India)
Benefits: Lower fees, faster processing (65% instant, 95% same day)
How it works: Uses local banking systems, avoiding intermediary banks
💡 Tip: We suggest using Local transfers where possible for lower fees and faster processing
SWIFT transfers
SWIFT transfers can only be made in EUR, USD & GBP currencies, but can be sent globally.
When to use: When sending a currency outside of its jurisdiction (e.g., USD to India, GBP to France)
Process time: 1-5 business days
Fees: Higher due to intermediary banks
Supported countries and currencies
We support transfers to 71 countries in 31 currencies. Here are some examples:
Major currencies with local transfers:
USD (United States), GBP (United Kingdom), EUR (Eurozone)
AUD (Australia), CAD (Canada), CHF (Switzerland)
DKK (Denmark), NOK (Norway), SEK (Sweden)
Other supported currencies:
ARS (Argentina), BGN (Bulgaria), BRL (Brazil)
CLP (Chile), CZK (Czech Republic), EGP (Egypt)
HKD (Hong Kong), HUF (Hungary), IDR (Indonesia)
INR (India), JPY (Japan), KRW (South Korea)
MXN (Mexico), NZD (New Zealand), PLN (Poland)
RON (Romania), SGD (Singapore), And many more...
International Payment Fees – Reduced by more than half !
Your feedback matters to us.
After hearing from many of you about international payment costs, we've made a significant change: we're reducing our fees across all our currencies!
We made a particular effort on the currencies that matter for you: from 1.2% to 0.5% on major currencies—more than halving our previous rate.
This isn't just a small adjustment; it's our commitment to offering you some of the most competitive pricing in the market, aligned with pure-play specialists. This change reflects our dedication to supporting your international growth without compromise.
Our transparent fee structure:
Our commitment to transparent FX rates
When converting currencies, Spendesk uses the mid-market rate (also called the interbank rate) - this is the real, unmodified exchange rate with no markup. We never hide extra fees in the exchange rate through a "spread" like some payment providers do. Our FX fee is applied separately and clearly shown on every transaction, so you always know exactly what you're paying.
Currencies | Transfer Type | FX Fee | Transfer Fee |
Major Currencies (EUR, GBP, USD, CHF, CAD, AUD, DKK, NOK, SEK) | Local transfer | 0.5% | €/£4.00 |
Other Currencies | Local transfer | 1.5% | €/£5.00 |
Global Currencies (EUR, GBP, USD) | SWIFT transfer | 0.5% | €/£7.00 (SHA) |
SHA: Fees shared between sender and recipient
OUR: Sender pays all fees
Concretely, what does it change for you?
If I'm paying a X€ worth invoice in USD, | 1,000€ | 10,000€ | 100,000€ |
Old Fees | 14.5€ | 122.5€ | 100,000€ |
New Fees | 9€ | 54€ | 504€ |
I'm saving | 5.5€ (38%) | 68.5€ (56%) | 698.5€ (58%) |
Troubleshooting
Common issues and solutions
Transfer delays
Transfers execute on their due date, subject to the recipient bank's processing times
Transfer rejections
Before debit: No impact on your account balance
After debit: Funds return to your account (minus SWIFT fees if applicable)
Common reasons: Incorrect recipient details, closed accounts, insufficient funds
Wrong recipient details
Always double-check all information before confirming
Contact support immediately if you notice an error after sending
Frequently asked questions
Q: Can I approve transfers from the mobile app?
A: Currently, transfers can only be approved from the desktop version of Spendesk (web browser).
Q: Are my funds protected?
A: Yes, your funds are covered by the French Deposit Guarantee Scheme (FGDR), providing the same protection as traditional banks.
Q: Are there hidden fees?
A: No hidden fees, no markup with the FX rate. All fees incurred are displayed transparently, except on SWIFT transfers where additional intermediary bank fees may be incurred and that we cannot control or predict.
Q: How do I choose between local and SWIFT transfers?
A: When possible, choose local transfers for faster, cheaper payments. The system will show you available options based on your recipient's location and currency.
Q: What security measures are in place?
A: Spendesk is regulated by ACPR with a Payment Institution license. Our Wise partnership maintains the same regulatory standards for all transfers.
Q: How can I track my transfer?
A: You can track the status of your transfer in the Invoices > History or in All expenses section of your Spendesk dashboard. In the History page, you can open the payment detail and check the precise delivery time.
Full List: Supported countries and currencies
Spendesk supports up to 38 currencies and 76 countries.
Country of destination | Local currency | SWIFT |
Aland Islands |
| EUR |
Argentina | ARS | EUR |
Australia | AUD | EUR |
Austria |
| GBP |
Bahrain |
| EUR |
Bangladesh ( coming soon) | BDT | EUR |
Belgium |
| GBP |
Bolivia |
| EUR |
Brazil | BRL (coming soon) |
|
Bulgaria | BGN | GBP |
Canada | CAD | EUR |
Chile | CLP | EUR |
China (soon) | CNY | EUR |
Colombia | COP (from GBP accounts) |
|
Costa Rica (coming soon) | CRC | EUR |
Croatia |
| GBP |
Czech Republic | CZK (from GBP accounts) | GBP |
Denmark | DKK | GBP |
Egypt | EGP | EUR |
Spain |
| GBP |
Estonia |
| GBP |
Finland |
| GBP |
France |
| GBP |
French Polynesia |
| EUR |
Georgia | GEL (coming soon) |
|
Germany |
| GBP |
Ghana |
| EUR |
Greece |
| GBP |
Hong Kong | HKD | EUR USD |
Hungary | HUF | GBP |
Iceland |
| GBP |
India | INR | EUR |
Indonesia | IDR | EUR |
Ireland |
| GBP |
Italy |
| GBP |
Japan | JPY | EUR |
Kazakhstan |
| EUR |
Kuwait |
| EUR |
Kyrgyzstan |
| EUR |
Latvia |
| GBP |
Liechtenstein |
| GBP |
Lithuania |
| GBP |
Luxembourg |
| GBP |
Malta |
| GBP |
Malaysia (coming soon) | MYR | EUR |
Mauritius (coming soon) |
| EUR |
Mexico | MXN |
|
Mongolia |
| EUR |
Morocco (coming soon) | MAD | EUR |
Netherlands |
| GBP |
New Caledonia |
| EUR |
New Zealand | NZD | EUR |
Norway | NOK | GBP |
Oman |
| EUR |
Pakistan (coming soon) | PKR |
|
Paraguay |
| EUR |
Peru |
| EUR |
Philippines (coming soon) | PHP | EUR |
Poland | PLN | GBP |
Portugal |
| GBP |
Romania | RON | GBP |
Saudi Arabia |
| EUR |
Singapore | SGD | EUR |
Slovakia |
| GBP |
Slovenia |
| GBP |
South Korea | KRW | EUR |
Sri Lanka | LKR |
|
Sweden | SEK | GBP |
Switzerland | CHF | GBP |
Taïwan |
| EUR |
Thailand (coming soon) | THB | EUR |
Turkey (coming soon) | TRY | EUR |
United Arab Emirates | AED | EUR |
United-Kingdom | GBP | EUR |
United-States | USD | EUR |
Uruguay | UYU (from GBP accounts) | EUR |
Uzbekistan |
| EUR |
Zambia |
| EUR |