Venmo vs Wise
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Venmo | Wise |
|---|---|---|
| Bewertung | 4.1 / 5 | 4.5 / 5 |
| Ideal für | Splitting bills with US friends | Cheap, transparent international transfers |
| Monatsgebühr | Free | Free (one-time card fee in some regions) |
| Wechselkurs | N/A (US-only) | Mid-market + transparent fee (often <0.5%) |
| Senden / Empfangen | Free from balance/bank/debit; instant 1.75% | Low variable fee (~0.33%+) |
| Auszahlungen | Standard free; instant 1.75% | Free up to a monthly cap, then small fee |
| Karte | Yes — Venmo Visa debit (and a Visa credit card) | Yes — physical & virtual debit Mastercard |
| Verfügbarkeit | United States only | 160+ countries |
| Währungen | USD | 40+ currencies |
| Regulierung | FinCEN (MSB), US state licences; PayPal-owned | FCA (UK), NBB (Belgium), FinCEN (US) |
| Gegründet | 2009 | 2011 |
Venmo
Venmo is the dominant US peer-to-peer payment app, ideal for splitting bills and casual transfers with its signature social feed. Standard transfers are free, but instant cash-outs and credit-card funding carry fees, and it is strictly US-only. Best suited to American users who want a quick, familiar way to pay friends.
Vorteile
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Nachteile
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
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 4.1 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.