Wise Reviews

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Uses Wise as their main account and has been with it for eight-plus years without an issue, keeping Revolut only for its joint account feature.

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Used Wise to move all the money for their daughter's three years at university in Amsterdam and found it the cheapest option and always very reliable.

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Has sent a lot of money from the US to Canada through Wise for a car and a house with no problems and the best exchange rates, though one final transfer had to wait a month because of a maximum within a 3-month period.

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Lived in the UK for 24 years with accounts on both sides and used Wise whenever shifting funds, finding it very fair at under 0.3% compared with over 2% at most banks.

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Was infuriated by Wise's initial account setup and quit, but eventually returned because it saved so much in fees, and uses it as a spending account with easy USD-to-euro moves.

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Says Wise closed their private and business account four weeks ago with funds still not refunded, blaming AI-triggered flags with zero transparency, and warns not to keep much money in it.

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Waited almost a month for Wise to process a transfer, only to have it cancelled and refunded for less than sent, with Wise blaming them and charging a cancellation fee.

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Finds Wise good but says that when an account goes negative from bank-to-Wise transfers, incoming transactions get extra scrutiny and money can be held in transit for up to a week.

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Has used Wise for two years without issues and finds it usually the cheapest, with transfers normally arriving within minutes, though an unusual or larger amount can take an extra day.

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Moved a large sum through Wise and paid a significant amount in fees, so would use an international broker for large transfers and Wise for small ones.

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Used Wise recently to transfer a fairly large sum in several wires, finding fees competitive and upfront and the exchange on their currency pairs streets ahead of banks and xe.com.

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Wishes they had switched to Wise sooner and finds it much cheaper after a couple of years, though US-to-Ireland transfers used to take minutes and now take a couple of days.

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Domestic ACH transfers from Wise to an external fintech account kept failing and bouncing back, and Wise customer service said it was looking into it without resolving it.

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Sent an international transfer to a friend's Wise card that Wise declined, and more than two months later the money has not returned, with no specific information on the refund status.

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Says Wise rejected their bank wire two weeks ago and will not return the money or answer where it is, just days before a house purchase.

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Says that with Wise you know the exact fees and outcome before sending, and in their experience it is the fastest and usually cheapest option compared with wire transfers.

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Typically paid around 0.6% to convert small amounts with Wise, calling the rate competitive and the fee disclosure very transparent, though wary of using it for very large transfers.

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After accidentally sending a small payment twice, Wise credited a generous amount toward fees that lasted a year.

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Funded a house purchase with several ACH transfers into Wise in 2024; each took about five days to clear but there were no issues.

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Says Wise cancelled a small personal transfer less than an hour after sending and soon emailed that the account would be closed for a policy violation, and appeals and a long phone call with customer service got nowhere.

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Wise closed their US business account because they work remotely and will not let them keep a debit card or interest, but they are still happy with it, calling the app incredible and support great.

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Says Wise repeatedly requested business documents every few months and delayed reviewing them, triggering an automatic account block for an LLC with no crypto or sanctioned exposure, and advises using a real bank.

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Has used Wise a few times a month for ten years and finds its fees generally much lower than a bank wire or Western Union, and lower than Remitly too.

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A large transfer got stuck somewhere while Wise kept saying it arrived, and after a long complaint they offered a small compensation and the money came back four months later.

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Sent a large transfer from a US account to a European bank through Wise and it worked fine, though they were nervous while waiting for it to clear.

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Finds Wise better than a credit union wire for smaller amounts, and likes being able to set up the Wise US account as an external account to move money easily.

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Has transferred large amounts through Wise without any issues.

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On an established account, moving their own money between USD and EUR with Wise rarely takes more than two minutes; says it avoids intermediary banks and shows exact amounts before sending.

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Used both Wise and a Schwab account to send money to a child's college in Ireland and found Schwab cheaper.

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Always uses Wise to move money from a US account to Ireland by wiring to a US account, exchanging in Wise, then sending euros to their Irish bank; uses Revolut mainly like Venmo.

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Opened a Wise account before moving to Spain, chose the digital card first, then ordered a cheap physical card that was mailed right away, and feels comfortable relying on it.

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Lived in Europe using Wise for its IBAN and never had to set up a local bank, keeping money in the US and using credit cards for everything but rent.

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Wise deactivated their account without explanation and, despite supplying ID, selfies, fund explanations and bank details on appeal, refused to reactivate it.

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Had run into certain limitations with Wise and found its international transfer fees higher, which is why they tried Revolut again.

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Says Wise is better than Revolut in terms of rates and usability, though it is not flashy or famous, and that neobank accounts should not be used as a primary bank.

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Has Social Security direct deposits going to Wise on the scheduled day, calls it great and flawless, and used it to send a large amount directly to a dealership for a car with zero complaints.

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Has used Wise consistently for four to five years for international transfers.

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Keeps both Wise and Revolut, and finds Wise works great for sending money to family in Canada, since Revolut does not let Canadians use its app.

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Has used Wise for six years to send money between the UK and Spain and is generally happy, though transfers occasionally go missing for a few days, which is unnerving.

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Prefers Wise to Revolut for transfers because Revolut can deduct undisclosed intermediary-bank fees along the way and charges more on weekends, while Wise is more transparent and uses local accounts to avoid those fees.

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Sends money internationally to family monthly through Wise for decades, finding it cheaper and less likely to trigger fraud flags when the transfer is initiated from the bank side.

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Used Wise to send money between their own accounts abroad and was banned after a couple of transfers, with an appeal that went nowhere and a permanent ban that still puzzles them.

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Has used Wise for business for around ten years, receiving money from around the world and paying people globally, and calls it flawless.

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Has used Wise many times for international transfers and finds its fees quite low.

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Used Wise on a trip abroad to send money to their spouse local bank account in her home country, and it worked just fine.

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Uses Wise all the time for a small business and finds it faster and cheaper than their bank.

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Has used Wise for six years for international bank transfers with no issue and says they trust it more than their own bank.

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Found that Wise charges a percentage fee even to convert between its own balances and, after a small test, felt it got expensive quickly for large transfers.

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Says their recent Wise transfers from a US account to a Dutch euro account cost less than half a percent in fees.

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Their US credit union asked many questions about a large outgoing amount, but the transfer through Wise itself worked well.

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Lives abroad and has had no issues receiving Social Security payments into Wise for three years running.

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Uses Wise in Thailand mainly to pay monthly rent and finds transfers sometimes arrive fast and sometimes take days even for the same amount to the same account, so they pay early.

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Dealing with a false 70 dollar chargeback in which Wise claims a transfer they never made, though the money from their bank cleared correctly.

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Has moved large amounts through Wise without a problem and says its rates cannot be beaten, though they split transfers into smaller ones.

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Moved a large sum through Wise in three tranches to buy an apartment with no delays, and after comparing brokers and other services found Wise the cheapest, easiest and most convenient.

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Says Wise is that much cheaper than a bank; they now have Wise pull dollars by ACH, convert to euros and send by SEPA to an IBAN, with fees about 15 cents per 10 dollars sent.

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Moved a large sum domestically through Wise into a brokerage and savings account in a few minutes, and found the international quote far cheaper than a traditional bank would have been.

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Moved a large sum from a US bank into Wise to buy an apartment in Europe; the fee and exchange rate were fair, the transfer took a few days after a source-of-funds form, and conversion was very quick.

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Says Wise is much cheaper than a bank wire and, in their experience, fast and reliable.

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Finds Wise cheaper for transfers, but their US and Canadian banks kept flagging transfers into Wise as potential fraud, so after hours on the phone they gave up on Wise.

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Uses Wise a lot, as do their in-laws, finding fees low and the exchange rate normal; once the accounts are connected they can move money from the US to the Netherlands instantly.

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Does regular transfers between the US, UK and EU with Wise and remembers only one small fee of 2 or 3 dollars; transfers from their US bank to Wise are free push transactions.

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Says a Wise transfer from the UK to the US took 6 hours and avoided the 10 dollar incoming wire fee they had paid with other services.

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Moved funds from a US bank into Wise after Revolut failed to give a gym-accepted IBAN, then used the Wise details to sign up at a Paris gym without trouble.

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Moved their Social Security direct deposit to Wise with no issues, though it arrives on the due date rather than early, and uses Remitly to send it on because it is cheaper than Wise.

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Used both for transfers and found Wise infinitely better and more reliable than Revolut, whose transfer got lost for over a week.

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Used a Wise US account overseas for years without problems, but now faces problems even for the simplest transactions in the US and says Wise has turned bad.

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Likes Wise for monthly expenses but had delays of up to four days on larger amounts, so did the house purchase by direct wire instead.

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A Wise user for years who says they jacked up their fees this year.

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Received a large transfer into their Wise account from someone else's name with no questions asked, and has used Wise for four years for both personal and business.

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Uses both Stripe and Wise for client invoicing and notes Wise invoicing costs nothing extra, unlike PayPal which they call a ripoff.

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Argues Wise does not take a cut beyond a fair conversion and transfer cost and that it is cheaper than most alternatives, including regular banks.

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Found Wise far cheaper than a nominally free Chase international wire, which cost hundreds more in poor rate, and can link it to their own foreign account for a free transfer.

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Has made multiple larger transfers from US accounts to euro and pound accounts via Wise with no issues, and finds it beats the bank's rates and fees.

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Realized they were paying to use Revolut with a high spread, while Wise works out cheaper with no account fees and much better rates, so saves a lot using Wise.

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Has never had an issue using their Wise German and Belgian IBANs with French payers, with payments always deposited quickly in the correct account.

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Uses Wise to transfer between a US account and a Portuguese account, and in almost three years has had no hiccups and paid only the minimal Wise transfer fees.

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Has used Wise for over a decade to send money monthly from the US to the EU, including large sums for an apartment and car, with zero problems, and says it has saved them a bundle.

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Prefers Wise to Revolut, noting you can actually call customer services and that they once read a comparison finding Wise slightly cheaper for the average user.

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Has Wise for personal and pays Revolut monthly for business, slightly preferring Wise since Revolut increased its fees twice while Wise has never introduced monthly fees.

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Finds Wise fine for receiving USD from the US but its exchange rate expensive and transfers not free, so tops up Revolut from the Wise card for free to convert.

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US resident with a EU bank account who opened USD and EUR accounts at Wise, which lets them send money from the EU account, convert, and push to any US bank account.

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Had an employer pay euros into a Wise-issued EUR account while living in Europe and could move that money freely as a US resident after returning.

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UK-born US resident who switched their Wise account to a US location and has no trouble moving pounds from a UK account into Wise, converting to dollars and sending to a US bank account, and back.

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Says Wise sucks in their experience, with a missing-money situation unresolved after two weeks and no explanation or response from senior management.

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Uses Wise daily and is very happy with it.

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Uses Wise mainly to transfer from a US account to an EU account and has never had a problem.

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Their wife and other Americans use Wise as the cheapest way to move USD into euros.

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Has used Wise every month for ten years and never had an issue.

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Has used Wise for seven years for transfers large and small, and whenever there has been an issue they could phone a live person.

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Has never found a better deal than Wise for sending pesos, and likes choosing the exact amount received with the USD total shown.

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Pays their house cleaner in Mexico through Wise, which is always fast thanks to SPEI, and has not found a lower fee.

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Used Wise recently and saved a bundle in fees.

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Has used Wise for a long time, maybe a decade, with not one problem and low cost.

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Has used Wise since it was Transferwise and has never had an issue.

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Uses Wise all the time in the US for payments around the world.

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Received international inheritance payments through Wise, meaningful if not life-changing, without trouble.

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Transferred a large sum through Wise without being asked anything.

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Has made large transfers through Wise multiple times with no issues.

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Moved a large sum from Australia to Europe through Wise with no trouble at all, after telling their bank in advance.

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Uses Wise for transfers between three different currencies and finds it speedy and wonderful.

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Used Wise in Germany and China with a small US bank and had no issues whatsoever.

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Says Wise is so much better than traditional banks and saved them thousands when they moved overseas.

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Says they basically use Wise as their main personal account now.

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Has transferred non-negligible amounts through Wise and everything went through fine.

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Transferred a large sum through Wise to Sweden and found the rates pretty good.

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Has used Wise for larger amounts and likes seeing the exact cost before sending.

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Uses Wise for transfers as a US citizen abroad and is happy enough with it, having passed on Revolut metal after controversy over frozen funds.

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Says Wise made an issue when they withdrew a tiny test amount, leading them to deactivate their account.

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Says Wise has been solid for them and recommends it highly.

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Wise has completely replaced Revolut as their main consumer, shopping and travel account, with Jars similar to vaults and small interest.

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Uses Wise in the UK alongside hard accounts in other countries and calls it great with no issues for personal use.

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Canadian couple on a long-term French work visa found their Wise account (Belgium-based) was not accepted for pay either, and they were forced to open a French bank account.

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Sends a large monthly amount to pesos through Wise and calls it amazing.

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Has had Wise for quite a while with no issues.

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Has used Wise for many years across several countries, holding euros, US dollars and pounds, and would recommend it.

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Uses Wise to pay many payees in Mexico, none of whom need a Wise account, with money arriving in seconds and great conversion.

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Used Wise for six years without a problem or hidden fees, until a small balance vanished and an ATM withdrawal was readjusted from a different currency wallet.

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Tried to send a large sum with Wise and describes a nightmare, with hours on the phone and all documentation rejected, still without a refund.

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Longtime Wise user whose regular YouTube payment was rejected after Wise's bank change with a demand for identity verification, and the verification screening glitched.

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Calls Wise a borderline scam after a transfer arrived short of its advertised no-hidden-fees promise and Wise blamed an intermediary bank rather than refund the difference.

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After a failed Wise transfer the money still had not bounced back after 20 working days, with support and the sending bank each pointing at the other, calling it a nightmare.

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Used Wise for fast local-account transfers but found the service glitchy and support terrible, comparing it to a budget airline, and will not use it for anything important.

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Used Transferwise, now Wise, and would not recommend it: when their bank erroneously sent a paper check that Wise cashed, it took months to sort out and Wise was awful about it.

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Has used Wise alongside Revolut for a year, saw Wise cut fees or raise cashback at least five times, and finds the two work almost the same way.

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Used Wise two years without a problem until it blocked the account without warning under anti-money-laundering rules; they unblocked it after proof of income, and support was helpful.

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Many years with Wise, with low fees and quick helpful service, and it even worked great in China.

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Four years with Wise and very happy, noting fees rose gradually but are still fine.

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Says Wise has been great for them for years, with low fees and fast transfers.

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Compared a bank transfer with Wise for a North America to Europe transfer; Wise charged a visible fee but its better rate left them several thousand euros ahead.

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Has used Wise for bank transfers and Revolut for everyday spending for almost three years, with no problems and good exchange rates, though they only load small amounts to Revolut over its AML reviews.

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Waitlisted by Revolut in the US, ended up using Wise and got one physical card, but their June Europe trip was almost entirely tap-to-pay.

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Used Wise and HSBC to move assets back to France; HSBC rates were good for a while but Wise was the best fee and service alternative.

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Says Wise is very reliable, having processed millions of dollars through it in the course of business.

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Opened a Wise account after Revolut waitlisted them, but Wise appeared to have paused issuing physical cards to people in the US.

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Has used Wise for several years, including a transfer of a similar large size between the US and Germany, without issue, and says it was still the best option.

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Compared half a transfer via Wise and half via an international wire to Schwab and found Schwab faster and the result better.

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Found that starting a transfer from within Wise rather than from their Bank of America account was way cheaper.

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Transfers money between the US and Canada, comparing Wise, XE, Currencies Direct, PayPal and Xoom each time, and says Wise always wins with a more powerful conversion and fast transfers.

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Has a UK Wise account but finds it has fees for almost everything, which is why they prefer Revolut.

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Finds Revolut cheaper for their conversions, but says Wise support was incredibly objective and honest, recommending the cheapest option even when it is not Wise.

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Describes a horror story with Wise over a payment sent to closed account details, with weeks passing and only a repeated contact-us-in-10-business-days answer despite a recall attempt through their bank.

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Used Wise in Canada to transfer US funds, finding it much cheaper than bank conversion, quick and easy to set up.

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Never had any issues with Wise, having been verified long ago and only doing normal transactions.

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Long-time Wise advocate whose years of loyalty were undone by a broken re-verification process, with days of back-and-forth with customer service that felt like gaslighting.

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Found Wise quoting a high charge to convert savings to euros, far more than an Australian HSBC Visa card transfer, and does not understand the praise.

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Has both and finds Wise sometimes quotes a lower conversion rate than Revolut even with its fee, though it loses that edge when actually sending money, and neither is great now.

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Found that when Wise's transparency comparison said another service was cheaper it was wrong and Wise was in fact cheaper, and appreciated its honesty.

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Used Wise for years and moved a very large house-sale sum through it; funds were held a couple of days for document verification, with no issues.

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Has used Wise for several years to make exact-amount transfers between currencies for tax tracking, including regular transfers of around twenty thousand euros, with no issues.

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Has moved mid-sized sums through Wise and never found a better offer.

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Bought a house in the EU with money moved from a US bank into Wise USD and out of Wise EUR to escrow; apart from daily limits and having to document the source of funds it took under a day.

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Used Wise with their spouse to transfer a large sum for a house purchase in Spain and it all went through very smoothly.

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Wise has always worked well for smaller sums, though they would use a direct wire for a very large transfer.

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Has used Wise since 2017 for their business, receiving several currencies and travelling a lot, and says it has been great.

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Transferred a large sum through Wise to Europe and Mexico over 18 months and finds it trustworthy, relatively cheap and efficient.

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Uses Wise to move money from a US bank to their Revolut IBAN by ACH; small sums arrive instantly, larger ones a day later, and it has been the cheapest option so far.

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Tops up Revolut from the Wise card as their primary funding source; large amounts initially needed splitting into several transactions but it has been fine since.

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Sends euros to New Zealand dollars regularly with Wise and values that the amount received is always exactly as quoted.

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Moved a large sum from the EU to the US using Wise and found it reliable and easy.

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Sent a large sum to a German bank through Wise and saved hundreds in fees compared with a standard bank transfer, calling it surprisingly good.

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Has used Wise to move savings from the US back to the EU, calls it a core business that works well, and keeps a Wise account with debit card and IBAN.

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Recently made several large transfers through Wise and it went just as smoothly as past smaller ones.

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Converted a large sum to euros for a boat purchase from their phone with a charge far below any bank, and uses Wise all the time for conversions and ATM withdrawals.

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Converted some money to euros via Wise but found it now charges a fee for holding balances above a certain amount, which would add up before their move.

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Has used Wise for years and says its percentage fee makes it better for smaller transactions, while a fixed-fee bank wire is cheaper for something like 10,000 dollars.

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Says banks charge a fixed fee on top of a crappy exchange rate, and they have found Wise to have the best rates net of all fees by far.

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Has used Wise for 5 years for transfers with no issues, all smooth and cheap, and now uses the Wise Visa debit card for foreign-currency purchases.

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Has used Wise for three years without problems, finding it way cheaper than bank wires with multiple currency accounts, and uses its card abroad to avoid card cloning risk on their normal bank card.

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Says Wise's exchange rate was about 3% better than their bank's, which really adds up on large amounts.

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Uses Wise to move money between bank accounts in the US and Canada and finds its exchange rates way better than banks, with a dedicated section for large sums.

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Uses Wise only to move money from a US account to a foreign account; it usually arrives in 24-48 hours and seems to have the best exchange rate.

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Compared total costs in a spreadsheet and found the advantage of Wise (formerly TransferWise) is knowing exactly what the total cost will be, unlike a wire where the final rate is uncertain.

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Has a Borderless account that has been good for Canada, France and Kazakhstan, though the shared EUR IBAN requires putting the account number in the memo, which could be an issue.

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Uses TransferWise to wire money between a French BNP account and a US Chase account at least ten times a year and has not found better, saying it does the job at one of the best costs.

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Sends a large sum from the US to Europe each year and, after a couple of years with Transferwise instead of bank wires, says they have saved a significant amount.

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Has had a very smooth experience with Wise, receiving international payments in seconds.

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Used Wise last year to transfer money for a house purchase and it worked like a charm.

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Used Wise before to buy a home in Spain, and it was super easy.

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Uses the Wise ETF option, an S&P 500 tracker, and says it has been great.