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Wise

wise.com
Summary

Wise provides a multi-currency account and an international debit card, enabling users to send, spend, and receive money globally with competitive exchange rates. It offers features like earning interest on balances and robust security measures for international financial management.

Features
4/12
See all

Must Have

1 of 5

Prepaid Debit Card (Cash App Card)

Instant P2P Transfers

Early Direct Deposit

Commission-Free Stock Trading

Bitcoin Trading

Other

3 of 7

Fraud Monitoring & Security

High-Yield Savings

ATM Access & Fee Reimbursement

Round-Up Savings

Pay Over Time (Afterpay)

Instant Discounts & Offers

Customizable Card Designs

Pricing
Freemium
See all

Account Registration

$0.00 one time
  • Register for a Wise account

Holding Money

$0.00 one time
  • Hold and convert between 40+ currencies in your Wise Account

Receiving Money (Domestic/Non-Swift)

$0.00 one time
  • Getting account details to receive in 23 currencies
  • Receiving domestic payments (non-Swift / non-wire) in AUD, CAD, EUR, GBP, HUF, NZD, SGD, TRY, USD

Receiving USD Wire and Swift Payments

$6.11 one time
  • Receiving USD wire and Swift payments

Receiving GBP Swift Payments

£2.16 one time
  • Receiving GBP Swift payments

Receiving EUR Swift Payments

€2.39 one time
  • Receiving EUR Swift payments

Sending Money

OTHER 0.57 per use
  • Sending money between banks, or from your account

Wise Multi-Currency Card (Physical)

$9.00 one time
  • Get a new physical card
  • Spend funds in your balance in the same currency online, in-store and abroad safely
  • No subscription fees

ATM Withdrawals (Free Tier)

$0.00 monthly
  • Withdraw up to 100 USD per month per account
  • Limited to 2 or less withdrawals per month

ATM Withdrawals (Over Free Tier)

$1.50 per use
  • ATM withdrawals over 100 USD per month per account

Account Funding Transactions

OTHER 2.00 per use
  • Account Funding transactions

Converting Money

OTHER 0.57 per use
  • Convert between 40+ currencies in your Wise Account
Rationale

Wise offers a multi-currency account with a debit card for spending and withdrawing cash globally, aligning with the 'Prepaid Debit Card' and 'ATM Access & Fee Reimbursement' features. They also mention earning interest on balances, which matches 'High-Yield Savings', and emphasize security and fraud protection, fitting 'Fraud Monitoring & Security'. However, Wise's primary focus is international money transfers and multi-currency management, not peer-to-peer transfers in the same way Cash App does (e.g., no $Cashtag equivalent for instant P2P between Wise users in the same currency). It also lacks direct deposit for early paychecks, stock trading, or bitcoin trading as core features.

Links
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