Wise vs Curve
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Wise | Curve |
|---|---|---|
| Ocena | 4.5 / 5 | 3.8 / 5 |
| Najlepszy do | Cheap, transparent international transfers | Consolidating multiple cards into one |
| Opłata miesięczna | Free (one-time card fee in some regions) | Free → ~£14.99/mo (Pay→Metal) |
| Kurs wymiany | Mid-market + transparent fee (often <0.5%) | Mid-market weekdays; weekend surcharge |
| Wysyłanie / odbiór | Low variable fee (~0.33%+) | N/A (overlays existing cards) |
| Wypłaty | Free up to a monthly cap, then small fee | Limited free ATM, then fees |
| Karta | Yes — physical & virtual debit Mastercard | Yes — single Mastercard overlaying your cards |
| Dostępność | 160+ countries | 30+ European countries (+ US rollout) |
| Waluty | 40+ currencies | Spends in multiple currencies via linked cards |
| Regulacja | FCA (UK), NBB (Belgium), FinCEN (US) | FCA-authorised e-money institution |
| Założono | 2011 | 2015 |
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
Curve
Curve is a London-based smart card that consolidates all your existing debit and credit cards into one Mastercard and app, with a standout "Go Back in Time" feature to retroactively switch a payment's funding card. It offers mid-market FX on weekdays but adds a weekend surcharge, and its best perks sit behind paid tiers. An overlay layer rather than a bank or transfer account.
Zalety
- Combine all cards into one card & app
- Mid-market FX on weekdays
- "Go Back in Time" to switch a payment's card
Wady
- Weekend FX surcharge applies
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
Podsumowanie
Ogólnie Wise wysuwa się na prowadzenie z wynikiem 4.5 wobec 3.8 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.