Personal Finance · pricing
Wise pricing
No tier breakdown is published on the record we hold for Wise. Below is what is on record, and how it compares with the personal finance tools listed alongside it.
- Entry price
- Free, then 0.31/transfer
- Model
- Not recorded
- Tiers
- -
- Free tier
- Yes
What is on record
The Wise catalogue entry carries a starting price of 0.31/transfer, but no tier breakdown. The category comparison below is still useful, and the Wise review carries the full feature record.
What the product covers
The full Wise feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Core
- International transfers
- Real exchange rates
- Multi-currency accounts
- Bill payments
Integrations
- Bank accounts
- Cryptocurrency
Platform
- Web support
- IOS support
- Android support
People bring Wise in for budget management, expense tracking, investment tracking. If that is not the job you are buying for, the alternatives to Wise are worth a look before you commit to a tier.
How that compares in Personal Finance
Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Wise (this page) | Free, then 0.31/transfer | - | - | |
| Copilot Money | Free | freemium | - | vs Wise |
| Cash App | Free | free | - | vs Wise |
| Apple Pay | Free | free | - | vs Wise |
| Betterment | $5/month | subscription | - | vs Wise |
| Charles Schwab | On request | transaction | - | vs Wise |
| Acorns | On request | subscription | - | vs Wise |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Wise badges page.
Before you pay for Wise
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: not published on the record we hold. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.
Wise runs on web, ios, android, and is published by Wise of London, United Kingdom. The full record is on the Wise review, and the rest of the category is under best personal finance tools.
Wise pricing questions
- How much does Wise cost?
- Wise starts at 0.31/transfer. No tier-by-tier breakdown is published on the record we hold.
- Does Wise have a free plan?
- Yes, Wise is recorded as free, so it can be used without paying.
- Which personal finance tools can I use without paying?
- 4 of the 8 personal finance tools listed alongside Wise have a free tier: Copilot Money, Cash App, Apple Pay, Coinbase.
- What am I actually paying for with Wise?
- The record lists 9 features across 3 areas: core, integrations, platform. In practice it is brought in for budget management, expense tracking, investment tracking.
- Does Wise charge per user?
- The record carries a price and a billing period, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Wise prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Wise against before paying?
- The closest personal finance tools in this directory are Copilot Money, Cash App, Apple Pay, Betterment. Each has a side-by-side comparison with Wise covering price, platforms and features.