Wise vs Curve
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Wise | Curve |
|---|---|---|
| Skóre | 4.5 / 5 | 3.8 / 5 |
| Najlepšia na | Cheap, transparent international transfers | Consolidating multiple cards into one |
| Mesačný poplatok | Free (one-time card fee in some regions) | Curve Pay free; X £/€5.99; Pro £/€9.99; Pro+ £/€17.99 |
| Výmenný kurz | Mid-market + transparent fee (often <0.5%) | Mastercard wholesale rate; free up to £/€250 a month on Curve Pay, then 2.99% (+1.5% at weekends) |
| Odoslať / prijať | Low variable fee (~0.33%+) | N/A (overlays existing cards) |
| Výbery | Free up to a monthly cap, then small fee | Curve Pay 2% (min £/€2); paid plans £/€300–1,000 free a month |
| Karta | Yes — physical & virtual debit Mastercard | Yes — single Mastercard overlaying your cards |
| Dostupnosť | 160+ countries | UK and EEA (residents aged 18+) |
| Meny | 40+ currencies | Spends in multiple currencies via linked cards |
| Regulácia | FCA (UK), NBB (Belgium), FinCEN (US) | FCA-authorised e-money institution |
| Založené | 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.
Výhody
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Nevýhody
- 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. Its free Curve Pay plan includes only £/€250 of fee-free FX a month and adds a 1.5% weekend fee, so its best travel value sits in the paid tiers. An overlay layer rather than a bank or transfer account.
Výhody
- Combine all cards into one card & app
- No FX fee on paid plans up to high monthly allowances
- "Go Back in Time" to switch a payment's card
Nevýhody
- Free plan: 2.99% FX above £/€250 a month plus 1.5% at weekends
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
Záverečné zhrnutie
Celkovo sa Wise dostáva dopredu so skóre 4.5 oproti 3.8 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.