WorldFirst Fee Calculator
WorldFirst's World Account is free to open. Payments to other WorldFirst accounts are free; to a bank account they cost from £0.27, plus 0.3% to convert in your first six months. Enter a payment to see what it costs.
WorldFirst Fee Calculator
A payment fee by destination, plus 0.3% conversion for six months, then up to 0.5% on major currencies
How the cost is made up
WorldFirst publishes its standard conversion rate as “up to” 0.5% on major currencies and the fee for other currencies as a range, so those results are a ceiling or a range, not a quote. After the first six months it publishes no rate for currencies that are not major. WorldFirst is not open to US-based businesses.
WorldFirst's payment fees
The last column adds the 0.3% conversion a new customer pays when the payment is converted from pounds; pounds within the UK, and payments to another WorldFirst account, need no conversion. Other currencies cost between £4.62 and £23.00 a payment, depending on where they go.
The six-month rate, and after
New customers convert at 0.3% for their first 6 months. After that, WorldFirst prices major currencies at up to 0.5%, and publishes only that ceiling. For currencies that are not major, it publishes no rate after the first six months.
On a £10,000 payment to the US from pounds, that is £30.77 in your first six months and up to £50.77 after. Businesses turning over £100,000 or more a month can ask for custom pricing.
World Card and account fees
Compare before you choose
Set WorldFirst against Wise Business on the Wise fee calculator, or against Airwallex on the Airwallex fee calculator. Our guide to multi-currency business accounts compares them all, and more business platforms are on the fintech calculators page.
WorldFirst fees: common questions
How much does WorldFirst cost?
The World Account is free to open with no monthly or maintenance fee. Payments to other WorldFirst accounts are free; payments to a bank account cost from £0.27 for euros by SEPA, £0.31 for pounds within the UK and £0.77 for US dollars to the US, plus a conversion fee when you convert: 0.3% for your first 6 months, then up to 0.5% on major currencies.
What exchange rate does WorldFirst use?
WorldFirst prices currency conversion at 0.3% for new customers in their first 6 months, and at up to 0.5% on major currencies after that. It publishes the standard rate only as that ceiling, not as one figure.
What does WorldFirst charge to send US dollars?
£0.77 to the United States, £11.55 to mainland China and £7.69 to anywhere else, plus conversion if you pay from pounds. A £1,000 payment to the US from pounds costs £3.77 for a new customer.
What does WorldFirst charge to send euros?
£0.27 to Europe by SEPA and £5.38 to anywhere else, plus conversion from pounds. £1,000 to Europe by SEPA costs £3.27 for a new customer.
Is WorldFirst free to open?
Yes. WorldFirst says the World Account is free to open, local receiving accounts in 20+ currencies are free, and there are no subscriptions or maintenance fees. Receiving payouts from marketplaces, platforms and payment gateways is free, and so is holding money; payments and conversions are priced per use.
What are WorldFirst World Card fees?
No setup or annual fee; £5 shipping per physical card; no FX fee when spending from balances in 15 major currencies; ATM withdrawals 2% with a £1 minimum; and up to 1.2% cashback on business spend.
Is WorldFirst available in the US?
No. WorldFirst is not open to US-based businesses. This calculator uses its UK pricing.
Does WorldFirst offer lower fees for large businesses?
Yes. WorldFirst offers custom pricing to businesses that turn over £100,000 or more a month.
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Last Updated: Fees read from WorldFirst's UK pricing page on 18 October 2026.