Wise vs Venmo
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Wise | Venmo |
|---|---|---|
| Оценка | 4.5 / 5 | 4.1 / 5 |
| Лучше всего для | Cheap, transparent international transfers | Splitting bills with US friends |
| Ежемесячная комиссия | Free (one-time card fee in some regions) | Free |
| Курс обмена | Mid-market + transparent fee (often <0.5%) | N/A (US-only) |
| Отправка / получение | Low variable fee (~0.33%+) | Free from balance/bank/debit; instant 1.75% |
| Выводы средств | Free up to a monthly cap, then small fee | Standard free; instant 1.75% |
| Карта | Yes — physical & virtual debit Mastercard | Yes — Venmo Visa debit (and a Visa credit card) |
| Доступность | 160+ countries | United States only |
| Валюты | 40+ currencies | USD |
| Регулирование | FCA (UK), NBB (Belgium), FinCEN (US) | FinCEN (MSB), US state licences; PayPal-owned |
| Основан | 2011 | 2009 |
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.
Плюсы
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
Минусы
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
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.
Плюсы
- Free standard P2P transfers within the US
- Social feed makes splitting & requesting easy
- Free Venmo debit card, no-fee MoneyPass ATMs
Минусы
- US-only; no international use
- Instant transfers cost 1.75%
- 3% fee when funding with a credit card
Итог
В целом Wise выходит вперёд с оценкой 4.5 против 4.1 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.