Compared from 1,100 real customer reviews

Wise vs YNAB vs Western Union

Side by side from 1,100 real reviews. Every count is the same as on each product’s page.

How the signal works
The signal score

A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.

So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.

87 signal

198 reviews

81 signal

886 reviews

50 signal

16 reviews

In short

Low, upfront fees and good exchange rates for international transfers; accounts blocked in reviews.

Many customers say it changed how they handle money, with zero-based budgeting that is worth the subscription once learned.

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Liked mostreviews mentioning it

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Specs

Type
International transfers and multi-currency account
Fees
Mid-market exchange rate plus a fee shown upfront
Rates & rewards
Live mid-market exchange rate with no markup; transfer fee quoted upfront
Type
Budgeting app
Fees
$109 a year (annual plan)
Rates & rewards
Not listed
Type
International money transfer
Fees
Fees vary by country, channel and payment method; WU also earns on FX
Rates & rewards
My WU: 100 points per online transfer; 500 points = up to $2 off transfer fees

More comparisons

Shares count reviews with a clear verdict from the recent window, like each product’s page. Tags are counted over the same reviews. All products