Curve vs Wise
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Curve | Wise |
|---|---|---|
| Оценка | 3.8 / 5 | 4.5 / 5 |
| Лучше всего для | Consolidating multiple cards into one | Cheap, transparent international transfers |
| Ежемесячная комиссия | Curve Pay free; X £/€5.99; Pro £/€9.99; Pro+ £/€17.99 | Free (one-time card fee in some regions) |
| Курс обмена | Mastercard wholesale rate; free up to £/€250 a month on Curve Pay, then 2.99% (+1.5% at weekends) | Mid-market + transparent fee (often <0.5%) |
| Отправка / получение | N/A (overlays existing cards) | Low variable fee (~0.33%+) |
| Выводы средств | Curve Pay 2% (min £/€2); paid plans £/€300–1,000 free a month | Free up to a monthly cap, then small fee |
| Карта | Yes — single Mastercard overlaying your cards | Yes — physical & virtual debit Mastercard |
| Доступность | UK and EEA (residents aged 18+) | 160+ countries |
| Валюты | Spends in multiple currencies via linked cards | 40+ currencies |
| Регулирование | FCA-authorised e-money institution | FCA (UK), NBB (Belgium), FinCEN (US) |
| Основан | 2015 | 2011 |
Curve
Curve is a London-based smart card that consolidates all your existing debit and credit cards into one Mastercard and app, with a standout "Go Back in Time" feature to retroactively switch a payment's funding card. Its free Curve Pay plan includes only £/€250 of fee-free FX a month and adds a 1.5% weekend fee, so its best travel value sits in the paid tiers. An overlay layer rather than a bank or transfer account.
Плюсы
- Combine all cards into one card & app
- No FX fee on paid plans up to high monthly allowances
- "Go Back in Time" to switch a payment's card
Минусы
- Free plan: 2.99% FX above £/€250 a month plus 1.5% at weekends
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
Wise
Wise (formerly TransferWise) is the benchmark for transparent, low-cost international transfers, using the real mid-market rate plus a small visible fee. Its multi-currency account holds 40+ currencies with local account details, making it ideal for freelancers and frequent travellers. It is an e-money provider rather than a full bank, so it lacks credit products and bank-style deposit insurance.
Плюсы
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Минусы
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
Итог
В целом Wise выходит вперёд с оценкой 4.5 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.