Paysera vs Wise
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Paysera | Wise |
|---|---|---|
| Puntuación | 3.8 / 5 | 4.5 / 5 |
| Ideal para | Cheap SEPA transfers & small-business accounts | Cheap, transparent international transfers |
| Comisión mensual | Free account | Free (one-time card fee in some regions) |
| Tipo de cambio | Competitive conversion | Mid-market + transparent fee (often <0.5%) |
| Enviar / recibir | Low SEPA fees | Low variable fee (~0.33%+) |
| Retiradas | Low ATM fees | Free up to a monthly cap, then small fee |
| Tarjeta | Yes — Visa debit (region-dependent) | Yes — physical & virtual debit Mastercard |
| Disponibilidad | EEA + global transfers | 160+ countries |
| Divisas | 20+ currencies | 40+ currencies |
| Regulación | Bank of Lithuania (EMI) | FCA (UK), NBB (Belgium), FinCEN (US) |
| Fundación | 2004 | 2011 |
Paysera
Paysera is a long-running Lithuanian e-money provider known for very low-cost SEPA transfers, a free multi-currency IBAN and merchant payment tools, making it a favourite of freelancers and small businesses. Its interface is more functional than flashy, but the pricing is among the cheapest in the EU.
Pros
- Very low transfer and account fees
- Free multi-currency IBAN
- Strong for freelancers and small businesses
Contras
- Interface feels dated
- Support is mainly online
- Card availability varies by country
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.
Pros
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Contras
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
En resumen
En conjunto, Wise se adelanta con una puntuación de 4.5 frente a 3.8, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.