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Is Wise Worth It in 2026? Our Honest Verdict
Recommended
Wise: Wise is the fairest way to transfer money internationally.
Rating★ 4.5/5
Starting pricePer-transfer fees (varies by currency)
Best forBusinesses and individuals making intern
CategoryAccounting & Finance
Who Wise Is Worth It For
- ✓Businesses and individuals making international transfers who want fair exchange rates.
- ✓Real mid-market exchange rate with no hidden markups
- ✓Multi-currency account holds 40+ currencies
- ✓Transparent upfront fees — no surprises
Who Should Look Elsewhere
- ✕Not ideal for domestic-only businesses with no international payment needs.
- ✕Not a full business bank account — limited to transfers and holding
- ✕Transfer speeds vary by currency pair and method
- ✕Not useful for domestic-only businesses
Is Wise Pricing Fair?
| Tier | Price |
|---|---|
| Free | Free account, pay per transfer (0.3-2%) |
| Starter | Per-transfer fees (varies by currency) |
| Enterprise | Custom pricing for high volume |
Pricing verified March 2026.
How Wise Compares
| Wise | Ramp | Stripe | Mercury | |
|---|---|---|---|---|
| Price | Per-transfer fees (varies by currency) | Free | 2.9% + $0.30/txn (Standard) | Free |
| Rating | ★ 4.5 | ★ 4.8 | ★ 4.6 | ★ 4.5 |
| Verdict | Recommended | Best Corporate Card | Recommended | Recommended |
AICores Verdict on Wise
Wise is the fairest way to transfer money internationally. The real exchange rate with transparent fees saves 2-5% compared to traditional banks. The multi-currency account simplifies international business. For anyone sending money across borders, Wise should be the first option evaluated.
AICores Editorial Review
Reviewed by AICores Editorial Team
Last updated: May 2026
Frequently Asked Questions
Is Wise worth the money?▼
Wise is the fairest way to transfer money internationally. The real exchange rate with transparent fees saves 2-5% compared to traditional banks. The multi-currency account simplifies international business.
Is there a free version of Wise?▼
Yes, Wise offers a free tier. Paid plans start at Per-transfer fees (varies by currency) and include additional features and capacity.
What are the best alternatives to Wise?▼
Ramp, Stripe, Mercury are the top alternatives. Ramp is best for startups and mid-market companies wanting modern spend management and has a 4.8 star rating.
Who should NOT use Wise?▼
Wise is not ideal for domestic-only businesses with no international payment needs.. Common drawbacks include: Not a full business bank account — limited to transfers and holding. Transfer speeds vary by currency pair and method.