Personal Finance · head to head
Tiller Money vs Wise
Wise
Personal Finance
Multi-currency account and international transfers priced at the mid-market rate plus an upfront fee
- From
- Free
- Rated
- -
The short version
- Only Wise has a free tier, so it costs nothing to try first.
- Each has a real cost: Tiller Money no native mobile app means mobile access limited to Google Sheets or Excel apps; Wise wise is an electronic money institution, not a bank, so balances are safeguarded rather than covered by deposit insurance schemes, and a customer who treats it as a current account is taking a different risk from a bank deposit.
- They diverge on capability: Tiller Money covers Auto-populates financial data, Wise covers International transfers.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Tiller Money and Wise actually diverge.
| Attribute | Tiller Money | Wise |
|---|---|---|
| Starting price | $79/year | Free |
| Pricing model | Unknown | Percentage of the amount converted |
| Free tier | No | Yes |
| Platforms | Web, Google Sheets, Microsoft Excel | Web, IOS, Android |
| Founded | 2015 | 2011 |
Identical on both: user rating (Not yet rated), category (Personal Finance).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Tiller Money
- Auto-populates financial data
- Customizable spreadsheets
- Budget tracking
- Financial templates
- Google Sheets
- Excel
Only in Wise
- International transfers
- Real exchange rates
- Multi-currency accounts
- Bill payments
- Cryptocurrency
- IOS support
- Android support
- Mid-market conversion
Both cover
- Bank accounts
- Web support
What people use each for
The jobs each tool is most often brought in to do.
Tiller Money
- Budget Management
- Expense Tracking
- Investment Tracking
Wise
- Budget Management
- Expense Tracking
- Investment Tracking
Both are used for budget management, expense tracking, investment tracking, on those jobs the choice comes down to price and fit rather than capability.
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Tiller Money
- No native mobile app means mobile access limited to Google Sheets or Excel apps
- Spreadsheet-based interface can be intimidating for non-technical users unfamiliar with formulas
- Requires manual customization and setup of templates and formulas for advanced features
- No built-in investment performance tracking or analysis at the depth some competitors offer
- Customer support is email and community-based, not real-time chat or phone support
Wise
- Wise is an electronic money institution, not a bank, so balances are safeguarded rather than covered by deposit insurance schemes, and a customer who treats it as a current account is taking a different risk from a bank deposit.
- The headline percentage is a floor, not an average: it starts from 0.23 to 0.24 percent depending on region, and thin or exotic corridors cost several times that, so the advertised number tells you almost nothing about the corridor you actually use.
- Funding a transfer by debit or credit card adds a materially higher fee than funding by bank transfer, and the cheap headline rate assumes you use the slower funding route.
- Compliance holds are common and opaque: transfers can be frozen for verification with limited explanation and no branch to visit, which is painful when the money is a rent payment with a deadline.
- Fees, card issue costs, ATM allowances and available features differ by country of residence, so a price checked on one country site does not apply to an account opened elsewhere.
- It is a payments product only, with no overdraft, no lending and no domestic banking relationship, so most users still need a bank account alongside it.
Pricing, plan by plan
Tiller Money
$79/year- Annual Subscription$79/year
- Unlimited transaction import
- Up to 5 connected spreadsheets
- AutoCat categorization
Wise
Free- Personal accountFree
- Free to register, no monthly or subscription fee
- Hold balances in dozens of currencies at no charge
- Local account details for receiving payments
- Send or convert money$undefined/per transfer
- From 0.23 percent on the US pricing page and from 0.24 percent on the UK page
- The exact percentage varies by currency pair
- Funding by card or e-wallet costs more than funding by bank transfer
- Wise debit card$9/one-time
- 9 USD one-off issue fee in the US, 7 GBP in the UK
- No subscription fee
- Spending a currency you already hold is free
Which should you pick?
Choose Tiller Money if
- You need auto-populates financial data.
- You work on Web, Google Sheets, Microsoft Excel.
- You also want customizable spreadsheets.
Choose Wise if
- You need international transfers.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want real exchange rates.
Questions people ask
- Is Tiller Money or Wise better?
- Neither clearly leads. Tiller Money starts at $79/year and Wise at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Tiller Money or Wise?
- Wise has a free tier; the other does not. Paid plans start at $79/year for Tiller Money and Free for Wise.
- Does Tiller Money or Wise run on more platforms?
- Tiller Money runs on Web, Google Sheets, Microsoft Excel. Wise runs on Web, IOS, Android.
- Can I use Wise for free?
- Yes. Wise has a free tier, so you can try it without paying. Tiller Money starts at $79/year.
- What is Tiller Money best used for?
- Tiller Money is most often used for budget management, expense tracking, investment tracking.
- What can Tiller Money do that Wise cannot?
- Tiller Money covers Auto-populates financial data, Customizable spreadsheets, Budget tracking, Financial templates. Wise covers International transfers, Real exchange rates, Multi-currency accounts, Bill payments. Both handle Bank accounts, Web support.
Answered from the vendors’ own pages
Tiller Money: How much does Tiller Money cost?
Tiller Money costs $79 per year with no free tier. A 30-day free trial is available. The annual subscription includes 5 connected spreadsheets and unlimited categories.
SourceWise: What does Wise actually charge to send money?
A percentage of the amount, stated before you confirm, starting from 0.23 percent on the US pricing page and 0.24 percent on the UK one. The rate varies by currency pair, and paying by card costs more than paying by bank transfer.
Tiller Money: Does Tiller work with Google Sheets and Excel?
Yes. Tiller automatically feeds daily bank transactions and account balances to Google Sheets or Microsoft Excel spreadsheets you own. Your data remains yours permanently.
SourceWise: Does Wise really use the mid-market rate?
Yes. Conversion is done at the live mid-market rate with no margin added, and the cost is charged as a visible fee instead. That is the opposite of a bank that quotes a worse rate and calls the transfer free.
Tiller Money: How many banks and financial institutions does Tiller connect to?
Tiller connects to 21,000+ US banks, credit card accounts, brokerages, and loan servicers via Yodlee and MX data providers. New banks are added weekly.
SourceWise: How much is the Wise card?
A one-off issue fee of 9 USD in the United States or 7 GBP in the United Kingdom, with no subscription. ATM withdrawals are free up to 250 per calendar month in the account currency, then 1.95 USD plus 1.95 percent per withdrawal in the US and 2.69 percent of the excess in the UK.
Tiller Money: What is AutoCat in Tiller?
AutoCat is Tiller's 100% customizable automatic categorization feature that learns your spending patterns. You can set rules like 'file all grocery store transactions above $10 as groceries and below $10 as snacks.'
SourceWise: Is a Wise account free to open?
Yes. Registering is free and there is no monthly fee. You pay only when you send or convert money, or when you order a card.
Tiller Money: Does Tiller have a mobile app?
Tiller does not have a dedicated mobile app. Instead, it uses Google Sheets and Excel apps on mobile devices to access your spreadsheets. Mobile access is primarily for viewing, not transaction entry.
SourceWise: Is Wise a bank?
No. It is an authorised electronic money institution, so your money is safeguarded at partner institutions rather than protected by deposit insurance.
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