Calculators / Wise
Wise
150+ countries, 40 currencies, one account. Save when you send, spend and manage your money internationally.
Where it stands
3.5 / 5
Signals score
Not a hands-on test
Based on 3 of 3 signals
- Website health4.5 / 5 · weight 50%
Measured from the tool's public website
- Facts stated2.6 / 5 · weight 30%
How many of the five facts the tool's own pages state
- Community3 / 5 · weight 20%
What people said in public discussions
Built only from what we can measure or quote without using the tool. How ranking works
Rank by signals
We have not run our own hands-on test on Wise yet. Facts checked 2026-11-01. How tests work
Disclosure: agathox makes some of the tools listed here. They are labelled and scored by the same method as every other tool.
Should you use Wise?
A quick read built only from what the tool's own pages state and from our tests, not from opinion. Facts checked 2026-11-01.
A good fit if…
- You want a free option. It states: “Registration and holding money in a Wise account are free. Withdrawing up to 200 USD per month per account at ATMs is free. No…”
Check first
- The free option has limits: “Registration and holding money in a Wise account are free. Withdrawing up to 200 USD per month per account at ATMs is free. No…”
- Its pages do not state: signup, watermark, where your files go. Check on the tool's site before you rely on it.
Does: Currency converter
Measured signals
4.5 / 5 · measured 2026-11-08Read automatically from Wise's public website: how reliable, secure, private and open the site is. This is not a test of how well the tool does its job. How this is measured
- Reliability4 / 5The page answered and finished downloading in 896 ms.
- Security4.3 / 53 of 5 protective headers set (strict-transport-security, content-security-policy, x-content-type-options).
- Privacy5 / 5No third-party tracking services found on the page.
- Transparency5 / 5Links a privacy policy; links a pricing page.
Community feedback
3 / 5 · 12 commenters50% of the 12 people whose comments we could classify were positive. Read automatically from public Hacker News threads about Wise; the classifier is simple and can misread sarcasm, so check the threads. How this works
- Positive
“Wise is have massive issues with fraud and money laundering. Do a search on Facebook for Wise and you’ll see multiple groups where people sell their verified accounts and people looking to buy them. They played fast and…”
Read in the thread - Positive
“Sure, creating an umbrella company called Wise - where TransferWise is one segment they're targeting would be a good way to do it, and then launch other products under Wise, but they shouldn't rebrand TransferWise to…”
Read in the thread - Critical
“I’ve been a Wise customer for a decade. I went to make a transfer I’ve made before and was told I need to provide extra documents. That’s more than Wise has achieved. My takeaway: Wise is absolutely unreliable. Your…”
Read in the thread - Critical
“The name collision isn't great, but then again Transferwise was already somewhat of a collision with the other Wise anyway.”
Read in the thread
Threads: TransferWise changes name to Wise (2021, 226 comments) · Wise is deactivating Business cards in the US on Oct. 31st (2023, 48 comments) · Wise.com sends email asking to give personal info to third-party (2024, 4 comments) · Wise Doubles Fees (2024, 4 comments)
- Free tier
- Registration and holding money in a Wise account are free. Withdrawing up to 200 USD per month per account at ATMs is free. No subscriptions or plans; you pay only for what you use.
- Paid plan
- No paid plans. Fees apply per transaction: sending and converting money start from 0.33% and vary by currency. Wise uses the mid-market rate. ATM withdrawals above 200 USD a month cost 1.40 USD plus 3.25% of the amount over 200 USD.
- Signup
- Not stated.
- Watermark
- Not applicable.
- Where files go
- Not stated.
From the tool's own pages, checked 2026-11-01. Sources: Pricing (India). Prices and limits change; check the tool before you rely on them.
Get an email if Wise changes
We check its official pages every week. If they change, we tell you, so you can see if the price or limits moved. No other email, and one click stops it.
Are you the maker of Wise? Link to this page
Copy this into your site. The link goes to this page, and it does not change any score.
<a href="https://agathox.com/tools/wise">Wise on agathox: compared and tested</a>
Tasks and scores
- Currency converterNot tested yet
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