Wise vs Payz
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Wise | Payz |
|---|---|---|
| Skóre | 4.5 / 5 | 3.5 / 5 |
| Najlepšia na | Cheap, transparent international transfers | Established multi-currency wallet for gaming |
| Mesačný poplatok | Free (one-time card fee in some regions) | No standard monthly fee |
| Výmenný kurz | Mid-market + transparent fee (often <0.5%) | ~2.99% standard tier |
| Odoslať / prijať | Low variable fee (~0.33%+) | Free P2P from Gold VIP up |
| Výbery | Free up to a monthly cap, then small fee | Varies by method & VIP tier |
| Karta | Yes — physical & virtual debit Mastercard | Yes — Mastercard (Silver VIP tier and above) |
| Dostupnosť | 160+ countries | 180+ countries |
| Meny | 40+ currencies | 45+ currencies |
| Regulácia | FCA (UK), NBB (Belgium), FinCEN (US) | UK FCA (PSI-Pay Ltd) |
| Založené | 2011 | 2000 |
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
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.
Výhody
- Long track record (ecoPayz since 2000)
- Lower ~2.99% FX than Skrill/Neteller
- Supports 45+ currencies worldwide
Nevýhody
- Best rates & card gated behind VIP tiers
- Card requires Silver VIP+ status
- Rebrand from ecoPayz still confuses users
Záverečné zhrnutie
Celkovo sa Wise dostáva dopredu so skóre 4.5 oproti 3.5 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.