Payoneer vs Wise
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Payoneer | Wise |
|---|---|---|
| Оценка | 3.8 / 5 | 4.5 / 5 |
| Лучше всего для | Freelancers & marketplaces getting paid globally | Cheap, transparent international transfers |
| Ежемесячная комиссия | Free; $29.95/yr card fee if receipts < $6,000/yr | Free (one-time card fee in some regions) |
| Курс обмена | Up to ~3.5% | Mid-market + transparent fee (often <0.5%) |
| Отправка / получение | Free Payoneer-to-Payoneer | Low variable fee (~0.33%+) |
| Выводы средств | Fee to local bank (varies by currency) | Free up to a monthly cap, then small fee |
| Карта | Yes — prepaid business Mastercard (where eligible) | Yes — physical & virtual debit Mastercard |
| Доступность | 190+ countries/territories | 160+ countries |
| Валюты | 70+ currencies | 40+ currencies |
| Регулирование | FinCEN (US), FCA / Central Bank of Ireland | FCA (UK), NBB (Belgium), FinCEN (US) |
| Основан | 2005 | 2011 |
Payoneer
Payoneer specialises in cross-border B2B and marketplace payments, giving freelancers and businesses local receiving accounts in major currencies and deep integration with platforms like Amazon and Upwork. It reaches 190+ countries, including markets others struggle with. Currency conversion can cost up to ~3.5% and a low-activity card fee applies, so it shines more for business than personal use.
Плюсы
- Local receiving accounts in USD, EUR, GBP
- Integrated with Amazon, Upwork, Fiverr
- Serves 190+ countries incl. hard-to-reach markets
Минусы
- Currency conversion up to ~3.5%
- Annual card fee if low activity
- Geared to business; less suited to personal use
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.