Venmo vs Wise
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Venmo | Wise |
|---|---|---|
| Ocena | 4.1 / 5 | 4.5 / 5 |
| Najlepszy do | Splitting bills with US friends | Cheap, transparent international transfers |
| Opłata miesięczna | Free | Free (one-time card fee in some regions) |
| Kurs wymiany | N/A (US-only) | Mid-market + transparent fee (often <0.5%) |
| Wysyłanie / odbiór | Free from balance/bank/debit; instant 1.75% | Low variable fee (~0.33%+) |
| Wypłaty | Standard free; instant 1.75% | Free up to a monthly cap, then small fee |
| Karta | Yes — Venmo Visa debit (and a Visa credit card) | Yes — physical & virtual debit Mastercard |
| Dostępność | United States only | 160+ countries |
| Waluty | USD | 40+ currencies |
| Regulacja | FinCEN (MSB), US state licences; PayPal-owned | FCA (UK), NBB (Belgium), FinCEN (US) |
| Założono | 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.
Zalety
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Wady
- 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.
Zalety
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Wady
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
Podsumowanie
Ogólnie Wise wysuwa się na prowadzenie z wynikiem 4.5 wobec 4.1 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.