Wise

iPhone + Android

9.8No. 1 of 81
in Money Transfer Apps

Recognised40% of the score100
Phone app26% of the score100
Documented20% of the score100
Free plan14% of the score100

Free plan: Yes
Runs on: Android, iPhone, Web

Summary

Wise is a money app for sending money, receiving payments from abroad, checking exchange rates, paying bills, and sending money to loved ones. It supports transfers to bank accounts in over 140 countries, with delivery on many popular routes within a day, the same day, or instantly. Wise says it uses the mid-market exchange rate and shows fees before payment. Signing up is free, with no subscription; sending and conversion fees vary by currency and start from 0.33%. Sending money to another Wise account has no sending fee, though conversion fees may still apply. Transfers can be funded with Apple Pay, Google Pay, cards, or bank transfer. Users can track and schedule transfers, repeat earlier transfers, and receive notifications about exchange-rate changes. Wise says it safeguards customer money separately from its own and uses two-factor authentication for accounts and transactions. Photo ID may be required for some currencies or large transfers. The app is available on Android, iOS, and web. Wise also says its customer support is available by email, live chat, and phone, 24/7 in English and 14 other languages.

Who it is for

Wise may suit people who need to send money internationally, receive payments from abroad, or monitor exchange rates. Its transfer tools also support recurring payments and scheduled transfers.

What is good

Transfers reach bank accounts in over 140 countries.
Fees are displayed before transfer payment.
Supports tracking, scheduling, and repeating transfers.
Offers live exchange-rate notifications.

What to know first

Sending and conversion fees vary by currency.
Photo ID may be required for some transfers.
Wise account transfers can still incur conversion fees.

Verdict

Wise combines international transfers with rate information and tools for tracking or repeating payments. Sign-up is free, but sending and conversion fees vary by currency and may apply.

Wise plans and pricing

All plans

Wise personal account and transfers Free No subscriptions or plans; pay for what you use. Account registration is free; sending and conversion fees vary by currency and start from 0.33%. Variable transfer and conversion fees · 200 USD monthly ATM withdrawal allowance shown as free wise.com · 30 Sept 2026

Compared on money transfer apps

Free plan: Yeswise.com

Facts

Recipient methods: bankwise.com · 20 Sept 2026
Transfer speed: instantwise.com · 20 Sept 2026
Exchange-rate model: mid_marketwise.com · 20 Sept 2026
Mobile platforms: bothwise.com · 20 Sept 2026
Upfront fee display: Yeswise.com · 20 Sept 2026
Transfer tracking: Yeswise.com · 20 Sept 2026
Scheduled transfers: Yeswise.com · 20 Sept 2026
Free sign-up: Users can sign up online or in the app for free.wise.com · 27 Sept 2026
Upfront fees: The app shows fees upfront before the transfer is paid.wise.com · 27 Sept 2026
Hidden fees: Wise states that transfers are free from hidden fees and exchange-rate markups.wise.com · 27 Sept 2026
Wise account transfers: Sending money to another Wise account has no sending fees; conversion fees still apply.wise.com · 27 Sept 2026
Recipient countries: Recipients can receive money in bank accounts in over 140 countries.wise.com · 27 Sept 2026
Rate alerts: Users can receive live notifications about exchange-rate changes and the mid-market rate.wise.com · 27 Sept 2026
Repeat transfers: The app supports repeating previous transfers for recurring payments.wise.com · 27 Sept 2026
Payment methods: Transfers can be funded with Apple Pay, Google Pay, cards, or bank transfer.wise.com · 27 Sept 2026
Account security: Two-factor authentication protects accounts and transactions.wise.com · 27 Sept 2026
Safeguarded funds: Wise holds customer money with established financial institutions separately from its own accounts.wise.com · 27 Sept 2026
Identity verification: Photo ID may be required for some currencies or large transfers.wise.com · 27 Sept 2026
Regulatory status: Wise says it is licensed in most states and regulated by authorities worldwide.wise.com · 27 Sept 2026
RBI authorisation: Wise is fully authorised by the Reserve Bank of India and works with a local bank partner in India.wise.com · 27 Sept 2026
Customer volume: Millions of customers globally move around £12 billion each month.wise.com · 27 Sept 2026
Team finances: Wise Business lists a feature for managing team finances.wise.com · 27 Sept 2026
Purpose: The Wise app lets people send money, receive payments from abroad, check exchange rates, pay bills, and send money to loved ones.wise.com · 30 Sept 2026
Exchange rates: Wise says it uses the mid-market exchange rate and shows fees upfront.wise.com · 30 Sept 2026
Recipients and delivery: Wise says it can send to recipient bank accounts in over 140 countries, with delivery on many popular routes within a day, the same day, or instantly.wise.com · 30 Sept 2026
Security: Wise says it safeguards customer money separately from its own and uses two-step authentication to protect accounts and transactions.wise.com · 30 Sept 2026
Regulation: Wise states it is authorised by the UK Financial Conduct Authority for issuing electronic money and works with a local bank partner to offer inward remittance service to India with RBI approval.wise.com · 30 Sept 2026
Support: Wise says its customer support is available by email, live chat, and phone, 24/7 in English and in 14 other languages.wise.com · 30 Sept 2026
Platform availability: Wise says its app is available from the Apple App Store for iOS and Google Play for Android.wise.com · 30 Sept 2026
Company history: Wise says it launched in 2011 with a vision of making international money transfers cheap, fair, and simple.wise.com · 30 Sept 2026
Integrations: Wise says it has partnered with companies including Monzo, Bolt, and GoCardless to provide their customers international banking services.wise.com · 30 Sept 2026