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Wise是一家总部位于英国伦敦的主打跨境汇款的公司,前身为TransferWise,为全球大多数国家和地区提供跨境汇款服务,价格公开透明,并且在伦敦证券交易所上市。
就个人而言,Wise是一款非常重要的工具,盘活了手里了一大票境外银行账户、券商、钱包(无论正规的、野鸡的),有了wise你的资金就可以很方便的中转于大部分国家,当之无愧野鸡之王!
但是Wise风控比较严格,对加密货币不是很友好,封号你的证件将无法重新注册,所以请爱惜自己账户
注册条件
- 护照
- 电话(尽量用境外号码注册)
- 邮箱
注册前你要知道的
注册前先简单的说一下,注册的一些主要地区的选择:
- 注册国区 国区没有虚拟卡,只有汇款转账功能,该有的各个地区的iban账户都有,如果出现风控问题,提交自己真实资料可以解封
- 马来西亚 马来西亚账户,会有额外的马来西亚银行账户资料,可以通过TNG的duitnow入金 有卡,实体卡可以直邮国内(注意默认是平邮) 风控适中,如遇风控需要提供马来西亚地址证明和收入证明 适合没有任何境外账户的朋友使用
- 英区 英区的英国境内转账FPS支持完善,英国银行间转账几乎是秒到(英区是主力银行的话,非常好用) 有卡,实体卡可以邮寄到转运地址,然后回国 风控很严,如遇风控需要提供英国地址证明和收入证明
- 加拿大区 有卡,支持邮寄国内 风控适中 基本功能都有,但是没有什么特殊优点
关于Wise风控:
基本在做几笔入金或者出金后,必会触发风控,要求提供当地的地址证明或者收入证明
必须要英文文件。
收入证明我之前用国内流水做的英文收入证明,过了英区风控,据反馈这个也是看脸的。
总之,在没有提交收入证明前,不要往wise存放大额的钱,以免风控拿不出来。
关于地址证明和收入证明,如有需要帮助可以联系我~
注册后个人建议不要再随意换区,容易吃封控!
注册流程
在确定好注册哪个区之后,挂对应地区的IP,开始注册
注册地址(通过此链接注册,可享受一定额度汇款免手续费):
填写邮箱账号
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F445d7305-8934-4fe6-b19d-97a6565a05a3%2FUntitled.png?table=block&id=d5cd6219-e895-4377-8986-257cefd44999&t=d5cd6219-e895-4377-8986-257cefd44999&width=1237&cache=v2)
这里选择开设个人账户
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fa54c6ed9-d70a-461f-8fb7-3f5e4c379907%2FUntitled.png?table=block&id=40cf1259-a371-46b2-b14d-2865eb42f61a&t=40cf1259-a371-46b2-b14d-2865eb42f61a&width=1239&cache=v2)
填写住居地址,我这里以英区作为演示
请根据自己实际情况填写
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F429f8147-8985-40ba-8016-46dfce4839f4%2FUntitled.png?table=block&id=3bc1f93c-dd24-4027-8338-b8f539a9b3eb&t=3bc1f93c-dd24-4027-8338-b8f539a9b3eb&width=1361&cache=v2)
输入电话号码:
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F3a57d52d-ae37-49e3-9757-fe090cd3c962%2FUntitled.png?table=block&id=6a4cf8de-2b62-41bd-bcc8-0082bef73e59&t=6a4cf8de-2b62-41bd-bcc8-0082bef73e59&width=707&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F4a1b8538-9943-4edd-8d01-56bf78508619%2FUntitled.png?table=block&id=e961fc66-471b-4a51-9457-9e2435628a2a&t=e961fc66-471b-4a51-9457-9e2435628a2a&width=1206&cache=v2)
填写密码:
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F9c0971dd-dbdc-4eae-9b53-64fa9216119d%2FUntitled.png?table=block&id=b4475a28-8531-4295-b431-597869b0603a&t=b4475a28-8531-4295-b431-597869b0603a&width=1215&cache=v2)
填写个人资料
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F8388486f-5e23-4855-abf0-ccab376d8115%2FUntitled.png?table=block&id=6b00f3c2-0142-43dc-b6d8-5f4ff83e875e&t=6b00f3c2-0142-43dc-b6d8-5f4ff83e875e&width=707&cache=v2)
填写地址,地址请牢记,后期地址证明需要用这个地址
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Ff6a11a1f-ca05-43d9-9b96-a0b6b6ff46a4%2FUntitled.png?table=block&id=aaeecee8-cc5a-4a20-af7c-3ae570dd1801&t=aaeecee8-cc5a-4a20-af7c-3ae570dd1801&width=707&cache=v2)
填写完成后,一般会询问要开通的币种,这里按喜好选择即可,后期也可以添加的
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F455366d7-daf4-4792-81e0-788df41ad65b%2FUntitled.png?table=block&id=afa3e5f7-4124-4027-a85a-c8c60626a735&t=afa3e5f7-4124-4027-a85a-c8c60626a735&width=1336&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F00bcd998-56e0-445e-b814-1712c01466ca%2FUntitled.png?table=block&id=6e63d157-347b-48d7-9f0d-9d6f156530c2&t=6e63d157-347b-48d7-9f0d-9d6f156530c2&width=1275&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F4592caa3-74f5-4e1a-aae9-35a3db5a8cc7%2FUntitled.png?table=block&id=2dbd5579-df5a-4a8a-a3a1-5c9cb41b4f9a&t=2dbd5579-df5a-4a8a-a3a1-5c9cb41b4f9a&width=1065&cache=v2)
在询问是否申请卡时,先跳过,等完成认证后再按需申请
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F0af9c19e-0af2-4e61-a6a7-e7a739937011%2FUntitled.png?table=block&id=2868d63a-8d80-42a2-93a9-2f94035a91d9&t=2868d63a-8d80-42a2-93a9-2f94035a91d9&width=1275&cache=v2)
接下来就是需要进行KYC认证了,需要用手机扫描护照和人脸
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F42a4d1a7-d25a-46f5-9841-43c238fbceba%2FUntitled.png?table=block&id=25dbbdf6-ab8c-4246-9300-36b8161e9a15&t=25dbbdf6-ab8c-4246-9300-36b8161e9a15&width=330.5&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F5fb7c7b1-91cf-4ba9-8c8a-60edf9e3bec7%2FUntitled.png?table=block&id=57eede05-2e35-48e1-9596-79dc171ae510&t=57eede05-2e35-48e1-9596-79dc171ae510&width=1222&cache=v2)
选择中国,进行护照扫描
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fc074a9bc-f8b2-4277-953a-231808ad955d%2FUntitled.png?table=block&id=cc3c476c-f34b-4fd5-9709-461e6e68732b&t=cc3c476c-f34b-4fd5-9709-461e6e68732b&width=1179&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fe0627cf6-63b8-44e1-9db4-dcf8bd3baf5e%2FUntitled.png?table=block&id=fa368d54-5c63-4017-8875-b8c4dd0ec7e4&t=fa368d54-5c63-4017-8875-b8c4dd0ec7e4&width=1179&cache=v2)
人脸扫描
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F68cbb78e-227c-41b1-b337-d50ff326ca52%2FUntitled.png?table=block&id=5f5720ce-48f4-42aa-9476-f4257f6a9905&t=5f5720ce-48f4-42aa-9476-f4257f6a9905&width=1179&cache=v2)
完成kyc后,继续在网页端完成后续步骤
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F61d91cb4-909f-4ea8-862c-536db6333cac%2FUntitled.png?table=block&id=9bbed727-bdc7-4211-823d-971a531b1f09&t=9bbed727-bdc7-4211-823d-971a531b1f09&width=1179&cache=v2)
一般做完KYC会有两个结果
- 账户直接开通,无需入金激活账户(表现为无如今提示,可以看到英区、美区等银行账户资料)
- 需要同名入金一笔金额激活账户
激活Wise
尽量使用同名入金激活,不要用第三方转账!!
个人推荐的方式:
- 国内使用兴业银行电汇英镑(部分地区还可以直接汇款)
- 仅限马来西亚区,使用马来西亚钱包TNG,转账激活WISE
- OCBC入金激活,使用paynow,无损入金新加坡币,激活wise
- iFast英镑入金激活 1. 国内电汇英镑到iFast,ifast激活wise 2. FSM One SG通过马来西亚TNG入金,转账到Ifast,激活Wise 3. 其他方式
- 香港银行,直接电汇激活
- 德国N26转账激活
我这里演示一下通过香港汇丰,电汇英镑激活wise
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F0f4e70d9-b6db-4603-a193-a50b6b19a3e1%2FUntitled.png?table=block&id=babf8ae4-da4e-4ec7-b906-bc5b89a7c87a&t=babf8ae4-da4e-4ec7-b906-bc5b89a7c87a&width=1184&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fb520f605-b27f-4f14-8a1f-bfc28cb8f2a6%2FUntitled.png?table=block&id=3f8c52d6-ab2e-46e0-b487-664136a016d0&t=3f8c52d6-ab2e-46e0-b487-664136a016d0&width=1248&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F9d6b191b-cf30-455c-b5d6-46944df3f710%2FUntitled.png?table=block&id=98afc473-2c77-4f45-97b5-7ecd0bc6d17b&t=98afc473-2c77-4f45-97b5-7ecd0bc6d17b&width=1263&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fe5d4b20e-f55f-42f1-bfa7-ea23a742997d%2FUntitled.png?table=block&id=9148dc1d-45aa-48f9-9e68-d5421535b643&t=9148dc1d-45aa-48f9-9e68-d5421535b643&width=1304&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fbe55162d-e846-45e2-8cfa-87cec7bf2bd4%2FUntitled.png?table=block&id=79b2b795-6608-450f-954d-12e623ea93ad&t=79b2b795-6608-450f-954d-12e623ea93ad&width=1462&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F1f7c1538-82be-41a3-a5e3-1301ddf3319f%2FUntitled.png?table=block&id=e64fcddb-a259-48c5-8f95-41ce4c44c753&t=e64fcddb-a259-48c5-8f95-41ce4c44c753&width=1484&cache=v2)
按照对应的转账信息,填写汇款资料
请注意汇款时需要添加参考信息,填写内容是你的wise账号
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fb2f2b484-3683-44b7-97bb-f3cca40a326f%2FUntitled.png?table=block&id=0d390672-4640-487c-a228-6100cd35d861&t=0d390672-4640-487c-a228-6100cd35d861&width=1997&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F5887b3c0-8450-47b8-93ee-66910ba75f8e%2FUntitled.png?table=block&id=91c8d046-c2e6-4bcf-aba9-13ba73606f57&t=91c8d046-c2e6-4bcf-aba9-13ba73606f57&width=1179&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Ffa45afa1-f105-424e-af24-f40b64a4d77e%2FUntitled.png?table=block&id=0f76ce46-f320-45d8-a90b-9ff9b5eceba0&t=0f76ce46-f320-45d8-a90b-9ff9b5eceba0&width=1179&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F7f131471-7cd5-467d-bbea-78d47fb75061%2FUntitled.png?table=block&id=7413833f-6414-454e-89a7-a1b69f8d32f4&t=7413833f-6414-454e-89a7-a1b69f8d32f4&width=1179&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F358126a4-b963-41bb-89cc-b9b6ef418b6b%2FUntitled.png?table=block&id=33fd0a04-e357-498d-afe9-6bbceb9c9d4a&t=33fd0a04-e357-498d-afe9-6bbceb9c9d4a&width=1997&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fa2a7285b-e37a-4f6c-bbe3-011cd9e99e63%2FUntitled.png?table=block&id=b6fffe61-b74a-48a4-8d84-e2d25a985157&t=b6fffe61-b74a-48a4-8d84-e2d25a985157&width=1993&cache=v2)
最后等汇款入账后,账户就正式激活了
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F2af8b593-6090-4eca-8bd1-0548f34ce46f%2FUntitled.png?table=block&id=a156ac05-1237-4d95-b98b-f29196a1439d&t=a156ac05-1237-4d95-b98b-f29196a1439d&width=1484&cache=v2)
其他入金方式请自行参考
申请Wise卡
这边选择卡管理,首张卡是免费邮寄的
邮寄时又会让你填写收件地址,如果是马来西亚地区、加拿大地区都是可以改写中国地址收件的
但是需要确认你家的平邮能收件,不然还是填写转运地址
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fdd0abb42-0508-4446-b60f-d2c223d323af%2FUntitled.png?table=block&id=95e8cdcf-7349-4876-8262-555bc9b22688&t=95e8cdcf-7349-4876-8262-555bc9b22688&width=1182&cache=v2)
如何改区
点击右上角,我的资料
如果地址资料可以修改,那么就可以改区
不建议频繁改区,容易风控,最好是注册好后就不变了!
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fb5aeab5d-8b00-4837-b5bd-97c37af1e7e7%2FUntitled.png?table=block&id=9ab9de87-97a6-421c-a5c2-b44cf6c887ea&t=9ab9de87-97a6-421c-a5c2-b44cf6c887ea&width=800&cache=v2)
Wise使用分享
这里分享下我个人用来做什么
注意:没有过收入证明、地址证明风控前,请勿重度使用
1.美国券商入金
因为wise有美国ACH账号,可以绑定嘉信理财,美元入金嘉信理财0损耗,绑定后,在嘉信那边拉取资金即可
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F84048808-8952-4c0d-a25e-a756bd6d82fb%2FUntitled.png?table=block&id=fbd8ea3b-4a9d-45cd-a6be-0b0395f11205&t=fbd8ea3b-4a9d-45cd-a6be-0b0395f11205&width=938&cache=v2)
2.美国信用卡还款
同上,通过提供的美国支票账户资料,给信用卡还款
3.美区PayPal收款
同上,通过提供的美国支票账户资料,绑定美区PayPal,进行收款
4.英区FPS转账
将账户里的英镑,通过英国本地FPS转账,中转给其他英区银行账户
5.各个国家本币汇款
在进行汇款时,尽量先在Wise兑换好对应国家币种,然后再发起汇款
6.收款
如果对方也有wise,可以发送付款请求给对方
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2Fc0a50cbe-531f-4a5d-bb3a-03a527b9da7b%2FUntitled.png?table=block&id=c46a2188-44f3-4d36-9a70-4e9d8a86e3d8&t=c46a2188-44f3-4d36-9a70-4e9d8a86e3d8&width=1644&cache=v2)
7.活期余额理财
在各个银行户头里,需要开启余额理财
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F809d971e-9c1b-4bbe-a4e2-9b3dded922db%2FUntitled.png?table=block&id=f89fb6b9-145c-42e3-9769-cd529d9e92f2&t=f89fb6b9-145c-42e3-9769-cd529d9e92f2&width=1091&cache=v2)
![notion image](https://www.notion.so/image/https%3A%2F%2Fprod-files-secure.s3.us-west-2.amazonaws.com%2Fe63edc06-9ce7-4877-990b-2efe658d9c01%2F421e9976-f0a3-4d05-9ee2-84ff77b1cc87%2FUntitled.png?table=block&id=78c79181-5bf4-4c60-ac90-f9acb0691944&t=78c79181-5bf4-4c60-ac90-f9acb0691944&width=1067&cache=v2)
美元大约5.0年化、英镑4.6年化
其他就不一一概述了,自行发掘吧。
希望大家都能好好爱护wise,别做一些风险行为,万一被封了得不偿失!
其他券商与银行
富途牛牛香港券商,7月新户最高可领1800HKD
老虎证券,7月新户奖励最高可领1400HKD
长桥证券,7月新户最高可领1000HKD+港美股终身免佣
华盛证券,7月新户奖励最高可享2000+HKD
盈立证券-新加坡,7月最高可享380USD新户奖励
IBKR盈透证券,美国第一互联网券商
OCBC新加坡华侨银行,国内线上即可开户
香港中银开户指南
香港汇丰开户指南
奕丰环球系列(小汇丰)
德国N26银行,欧元区加密货币友好银行
最后
如果您有其他任何问题,欢迎加入我的TG群组,一起交流咨询。
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- 作者:PolarisAspire
- 链接:https://lpolaris.com//article/wise
- 声明:本文采用 CC BY-NC-SA 4.0 许可协议,转载请注明出处。
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