{"id":248,"date":"2026-10-01T01:11:49","date_gmt":"2026-10-01T01:11:49","guid":{"rendered":"https:\/\/vccreview.net\/?vcc_provider=wise-transferwise"},"modified":"2026-10-01T01:11:51","modified_gmt":"2026-10-01T01:11:51","slug":"wise-transferwise","status":"publish","type":"vcc_provider","link":"https:\/\/vccreview.net\/nha-cung-cap\/wise-transferwise\/","title":{"rendered":"Wise (TransferWise)"},"content":{"rendered":"

1. Gi\u1edbi thi\u1ec7u t\u1ed5ng quan v\u1ec1 Wise (TransferWise)<\/h2>\n

Wise<\/strong> (ti\u1ec1n th\u00e2n l\u00e0 TransferWise) l\u00e0 t\u1eadp \u0111o\u00e0n c\u00f4ng ngh\u1ec7 t\u00e0i ch\u00ednh ni\u00eam y\u1ebft tr\u00ean S\u00e0n Giao d\u1ecbch Ch\u1ee9ng kho\u00e1n London (LSE: WISE), \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd b\u1edfi C\u01a1 quan Qu\u1ea3n l\u00fd T\u00e0i ch\u00ednh V\u01b0\u01a1ng qu\u1ed1c Anh (FCA) c\u00f9ng h\u00e0ng lo\u1ea1t c\u01a1 quan gi\u00e1m s\u00e1t t\u00e0i ch\u00ednh tr\u00ean to\u00e0n c\u1ea7u. Wise l\u00e0 chu\u1ea9n m\u1ef1c v\u00e0ng v\u1ec1 s\u1ef1 minh b\u1ea1ch chi ph\u00ed v\u00e0 t\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i th\u1ef1c t\u1ebf.<\/p>\n

V\u1edbi t\u00e0i kho\u1ea3n Wise Multi-Currency, b\u1ea1n \u0111\u01b0\u1ee3c c\u1ea5p s\u1ed1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng b\u1ea3n \u0111\u1ecba t\u1ea1i h\u01a1n 8 qu\u1ed1c gia (M\u1ef9, Anh, Ch\u00e2u \u00c2u, \u00dac, Canada, Singapore…) v\u00e0 kh\u1ea3 n\u0103ng t\u1ea1o th\u1ebb Visa\/Mastercard \u1ea3o k\u1ef9 thu\u1eadt s\u1ed1<\/strong> d\u00f9ng \u0111\u1ec3 thanh to\u00e1n tr\u00ean h\u01a1n 40 lo\u1ea1i ti\u1ec1n t\u1ec7 v\u1edbi m\u1ee9c ph\u00ed chuy\u1ec3n \u0111\u1ed5i r\u1ebb nh\u1ea5t th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay.<\/p>\n

2. C\u00e1c t\u00ednh n\u0103ng v\u01b0\u1ee3t tr\u1ed9i c\u1ee7a th\u1ebb \u1ea3o Wise<\/h2>\n
    \n
  • T\u1ef7 gi\u00e1 th\u1ef1c t\u1ebf kh\u00f4ng ch\u00eanh l\u1ec7ch \u1ea9n:<\/strong> Wise cam k\u1ebft \u00e1p d\u1ee5ng t\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i li\u00ean ng\u00e2n h\u00e0ng th\u1ef1c t\u1ebf (Mid-market exchange rate) nh\u01b0 b\u1ea1n th\u1ea5y tr\u00ean Google, kh\u00f4ng c\u1ed9ng th\u00eam bi\u00ean \u0111\u1ed9 ch\u00eanh l\u1ec7ch (spread) nh\u01b0 c\u00e1c ng\u00e2n h\u00e0ng th\u00f4ng th\u01b0\u1eddng.<\/li>\n
  • T\u1ea1o t\u1edbi 3 th\u1ebb \u1ea3o c\u00f9ng l\u00fac:<\/strong> Ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 s\u1edf h\u1eefu c\u00f9ng l\u00fac 3 th\u1ebb \u1ea3o v\u1edbi c\u00e1c chi ti\u1ebft th\u1ebb kh\u00e1c nhau \u0111\u1ec3 ph\u00e2n lo\u1ea1i thanh to\u00e1n: 1 th\u1ebb cho mua s\u1eafm online, 1 th\u1ebb cho ph\u1ea7n m\u1ec1m \u0111\u0103ng k\u00fd \u0111\u1ecbnh k\u1ef3, 1 th\u1ebb d\u1ef1 ph\u00f2ng.<\/li>\n
  • \u0110\u00f3ng b\u0103ng v\u00e0 thay m\u1edbi th\u1ebb linh ho\u1ea1t:<\/strong> Sau khi ho\u00e0n th\u00e0nh m\u1ed9t giao d\u1ecbch t\u1ea1i website nghi ng\u1edd r\u1ee7i ro, b\u1ea1n c\u00f3 th\u1ec3 x\u00f3a th\u1ebb \u1ea3o \u0111\u00f3 ngay l\u1eadp t\u1ee9c v\u00e0 t\u1ea1o th\u1ebb m\u1edbi ch\u1ec9 v\u1edbi m\u1ed9t ch\u1ea1m tr\u00ean \u1ee9ng d\u1ee5ng Wise.<\/li>\n
  • Gi\u1eef v\u00e0 chuy\u1ec3n \u0111\u1ed5i h\u01a1n 40 lo\u1ea1i ti\u1ec1n t\u1ec7:<\/strong> H\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng ch\u1ecdn lo\u1ea1i ti\u1ec1n t\u1ec7 c\u00f3 s\u1eb5n trong v\u00ed c\u00f3 m\u1ee9c ph\u00ed th\u1ea5p nh\u1ea5t \u0111\u1ec3 kh\u1ea5u tr\u1eeb khi b\u1ea1n thanh to\u00e1n \u1edf n\u01b0\u1edbc ngo\u00e0i.<\/li>\n<\/ul>\n

    3. Bi\u1ec3u ph\u00ed c\u1ee7a Wise<\/h2>\n

    Wise n\u1ed5i ti\u1ebfng v\u1edbi ch\u00ednh s\u00e1ch \u0111\u1ecbnh ph\u00ed minh b\u1ea1ch 100%:<\/p>\n\n\n\n\n\n\n\n\n
    Kho\u1ea3n m\u1ee5c<\/th>\nM\u1ee9c ph\u00ed \u00e1p d\u1ee5ng<\/th>\n<\/tr>\n<\/thead>\n
    M\u1edf t\u00e0i kho\u1ea3n & Ph\u00ed ph\u00e1t h\u00e0nh th\u1ebb \u1ea3o<\/td>\nMi\u1ec5n ph\u00ed ho\u00e0n to\u00e0n<\/td>\n<\/tr>\n
    Ph\u00ed duy tr\u00ec t\u00e0i kho\u1ea3n h\u00e0ng th\u00e1ng<\/td>\n\u20ac0 \/ $0 (Kh\u00f4ng c\u00f3 ph\u00ed duy tr\u00ec)<\/td>\n<\/tr>\n
    Ph\u00ed chuy\u1ec3n \u0111\u1ed5i ngo\u1ea1i t\u1ec7<\/td>\nT\u1eeb 0.35% – 0.5% (T\u00f9y c\u1eb7p ti\u1ec1n t\u1ec7)<\/td>\n<\/tr>\n
    Thanh to\u00e1n b\u1eb1ng ti\u1ec1n t\u1ec7 c\u00f3 s\u1eb5n trong v\u00ed<\/td>\nHo\u00e0n to\u00e0n mi\u1ec5n ph\u00ed (0%)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    4. H\u01b0\u1edbng d\u1eabn m\u1edf th\u1ebb \u1ea3o Wise<\/h2>\n
      \n
    1. T\u1ea1o t\u00e0i kho\u1ea3n tr\u00ean website Wise.com<\/strong> ho\u1eb7c \u1ee9ng d\u1ee5ng Wise.<\/li>\n
    2. Ho\u00e0n t\u1ea5t x\u00e1c minh danh t\u00ednh \u0111i\u1ec7n t\u1eed (KYC) b\u1eb1ng H\u1ed9 chi\u1ebfu qu\u1ed1c t\u1ebf ho\u1eb7c CCCD theo h\u01b0\u1edbng d\u1eabn.<\/li>\n
    3. N\u1ea1p m\u1ed9t kho\u1ea3n ti\u1ec1n t\u1ed1i thi\u1ec3u ban \u0111\u1ea7u (th\u01b0\u1eddng l\u00e0 $20 \u0111\u1ec3 k\u00edch ho\u1ea1t t\u00e0i kho\u1ea3n, kho\u1ea3n ti\u1ec1n n\u00e0y v\u1eabn thu\u1ed9c quy\u1ec1n s\u1edf h\u1eefu c\u1ee7a b\u1ea1n).<\/li>\n
    4. V\u00e0o m\u1ee5c Cards<\/strong> -> Ch\u1ecdn Get a digital card<\/strong>. Th\u1ebb \u1ea3o s\u1ebd xu\u1ea5t hi\u1ec7n ngay l\u1eadp t\u1ee9c tr\u00ean m\u00e0n h\u00ecnh.<\/li>\n
    5. Li\u00ean k\u1ebft th\u1ebb \u1ea3o v\u1edbi Apple Pay \/ Google Pay ho\u1eb7c d\u00f9ng tr\u1ef1c ti\u1ebfp th\u00f4ng tin th\u1ebb \u0111\u1ec3 mua s\u1eafm.<\/li>\n<\/ol>\n

      5. T\u1ed5ng k\u1ebft \u01b0u nh\u01b0\u1ee3c \u0111i\u1ec3m<\/h2>\n

      \u01afu \u0111i\u1ec3m<\/h3>\n
        \n
      • Th\u01b0\u01a1ng hi\u1ec7u ni\u00eam y\u1ebft qu\u1ed1c t\u1ebf uy t\u00edn s\u1ed1 1 th\u1ebf gi\u1edbi, qu\u1ea3n l\u00fd b\u1edfi FCA Anh Qu\u1ed1c.<\/li>\n
      • T\u1ef7 gi\u00e1 quy \u0111\u1ed5i ngo\u1ea1i t\u1ec7 t\u1ed1t nh\u1ea5t th\u1ecb tr\u01b0\u1eddng, kh\u00f4ng ph\u00ed \u1ea9n.<\/li>\n
      • T\u1ea1o v\u00e0 x\u00f3a th\u1ebb \u1ea3o k\u1ef9 thu\u1eadt s\u1ed1 mi\u1ec5n ph\u00ed m\u1ecdi l\u00fac m\u1ecdi n\u01a1i.<\/li>\n
      • Cung c\u1ea5p s\u1ed1 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng th\u1ef1c t\u1ebf (US, EU, UK) \u0111\u1ec3 nh\u1eadn ti\u1ec1n qu\u1ed1c t\u1ebf d\u1ec5 d\u00e0ng.<\/li>\n<\/ul>\n

        Nh\u01b0\u1ee3c \u0111i\u1ec3m<\/h3>\n
          \n
        • T\u00ednh n\u0103ng ph\u00e1t h\u00e0nh th\u1ebb v\u1eadt l\u00fd\/\u1ea3o tr\u1ef1c ti\u1ebfp c\u00f3 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o khu v\u1ef1c c\u01b0 tr\u00fa c\u1ee7a t\u00e0i kho\u1ea3n.<\/li>\n
        • Quy \u0111\u1ecbnh ph\u00f2ng ch\u1ed1ng r\u1eeda ti\u1ec1n nghi\u00eam ng\u1eb7t, c\u1ea7n ngu\u1ed3n ti\u1ec1n minh b\u1ea1ch.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

          Nh\u00e0 cung c\u1ea5p t\u00e0i kho\u1ea3n \u0111a ti\u1ec1n t\u1ec7 v\u00e0 th\u1ebb thanh to\u00e1n qu\u1ed1c t\u1ebf s\u1ed1 1 th\u1ebf gi\u1edbi v\u1edbi t\u1ef7 gi\u00e1 th\u1ecb tr\u01b0\u1eddng th\u1ef1c t\u1ebf (Mid-market rate), chi ph\u00ed minh b\u1ea1ch v\u00e0 \u0111\u1ed9 b\u1ea3o m\u1eadt chu\u1ea9n ng\u00e2n h\u00e0ng.<\/p>\n","protected":false},"featured_media":0,"template":"","provider_category":[],"class_list":["post-248","vcc_provider","type-vcc_provider","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/vccreview.net\/wp-json\/wp\/v2\/vcc_provider\/248","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vccreview.net\/wp-json\/wp\/v2\/vcc_provider"}],"about":[{"href":"https:\/\/vccreview.net\/wp-json\/wp\/v2\/types\/vcc_provider"}],"version-history":[{"count":1,"href":"https:\/\/vccreview.net\/wp-json\/wp\/v2\/vcc_provider\/248\/revisions"}],"predecessor-version":[{"id":249,"href":"https:\/\/vccreview.net\/wp-json\/wp\/v2\/vcc_provider\/248\/revisions\/249"}],"wp:attachment":[{"href":"https:\/\/vccreview.net\/wp-json\/wp\/v2\/media?parent=248"}],"wp:term":[{"taxonomy":"provider_category","embeddable":true,"href":"https:\/\/vccreview.net\/wp-json\/wp\/v2\/provider_category?post=248"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}