Payz vs Wise
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Payz | Wise |
|---|---|---|
| Bewertung | 3.5 / 5 | 4.5 / 5 |
| Ideal für | Established multi-currency wallet for gaming | Cheap, transparent international transfers |
| Monatsgebühr | No standard monthly fee | Free (one-time card fee in some regions) |
| Wechselkurs | ~2.99% standard tier | Mid-market + transparent fee (often <0.5%) |
| Senden / Empfangen | Free P2P from Gold VIP up | Low variable fee (~0.33%+) |
| Auszahlungen | Varies by method & VIP tier | Free up to a monthly cap, then small fee |
| Karte | Yes — Mastercard (Silver VIP tier and above) | Yes — physical & virtual debit Mastercard |
| Verfügbarkeit | 180+ countries | 160+ countries |
| Währungen | 45+ currencies | 40+ currencies |
| Regulierung | UK FCA (PSI-Pay Ltd) | FCA (UK), NBB (Belgium), FinCEN (US) |
| Gegründet | 2000 | 2011 |
Payz
Payz is the rebrand of ecoPayz, one of the oldest e-wallets (since 2000), run by FCA-regulated PSI-Pay and offering 45+ currencies worldwide with a Mastercard and a tiered VIP programme. Its standout is a ~2.99% FX rate, undercutting Skrill and Neteller, though the best perks and the card are gated behind VIP tiers. A dependable, slightly cheaper alternative for everyday multi-currency use.
Vorteile
- Long track record (ecoPayz since 2000)
- Lower ~2.99% FX than Skrill/Neteller
- Supports 45+ currencies worldwide
Nachteile
- Best rates & card gated behind VIP tiers
- Card requires Silver VIP+ status
- Rebrand from ecoPayz still confuses users
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.
Vorteile
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Nachteile
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
Das Fazit
Insgesamt liegt Wise mit einer Bewertung von 4.5 gegenüber 3.5 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.