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Wise
FeaturedBest for international transfers and freelancers. Real mid-market exchange rates, 50+ currencies, local account details in UK/EU/US, and 15M+ users.
Country: GBIBAN: GBFounded: 2011
Monthly fee
Free
Pros
- ✓Real mid-market exchange rates (like Google rates)
- ✓50+ currencies in one account
- ✓Local account details (UK, EU, US, AU, etc.)
- ✓No monthly fee
- ✓Business integrations (Stripe, Xero, Amazon)
- ✓Send to 70+ countries
- ✓Best for freelancers and expats
Cons
- ✗No savings account
- ✗No investment features
- ✗Fee per transfer (not fully free)
- ✗Increasing compliance checks
- ✗No phone/live support
Features
Google / Apple Pay✓ Yes
Multi-Currency✓ Yes
Savings Account✗ No
Crypto Support✗ No
Investment Feature✗ No
Physical Card✓ Yes
Virtual Card✓ Yes
Joint Account✗ No
Business Account✓ Yes
Kids Account✗ No
Instant Transfers✓ Yes
Cash Deposit✗ No
Desktop App✓ Yes
Customer Supportasync
Fees
FX Fee0.3–0.5% (mid-market rate)
Card DeliveryCHF 9
Limits
Daily ATMCHF 2,500
Daily TransferCHF 1,000,000
