Wise Recensione 2026
Low-cost multi-currency transfers
Il nostro verdetto
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.
Pro
- Mid-market exchange rate with low transparent fees
- Hold and convert 40+ currencies
- Local account details in multiple currencies
- Clear upfront cost before you send
Contro
- Not a full bank (no deposit insurance like a bank)
- ATM withdrawals free only up to a monthly cap
- No credit or overdraft features
- Support can be slow at times
Commissioni e dati chiave
| Registrazione | Free |
|---|---|
| Canone mensile | Free (one-time card fee in some regions) |
| Invia / ricevi | Low variable fee (~0.33%+) |
| Tasso di cambio | Mid-market + transparent fee (often <0.5%) |
| Prelievi | Free up to a monthly cap, then small fee |
| Carta | Yes — physical & virtual debit Mastercard |
| Disponibilità | 160+ countries |
| Valute | 40+ currencies |
| Fondata | 2011 |
| Sede centrale | London, UK |
| Regolamentazione | FCA (UK), NBB (Belgium), FinCEN (US) |
Pronto a provare Wise?
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Wise — frequently asked questions
Is Wise safe to use?
Wise is regulated by FCA (UK), NBB (Belgium), FinCEN (US) and uses standard protections such as encryption and two-factor authentication. As with any provider, make sure it is licensed in your country, use a strong password and never share one-time codes.
What fees does Wise charge?
Account/monthly fee: Free (one-time card fee in some regions). Sending or receiving: Low variable fee (~0.33%+). Currency conversion: Mid-market + transparent fee (often <0.5%). Withdrawals: Free up to a monthly cap, then small fee. Fees can change and may vary by country, so always confirm the latest terms on the official Wise site.
Which countries can use Wise?
Wise is available in 160+ countries. Exact availability, currencies and features can differ by country, so check the provider's site for your location.
Does Wise offer a card?
Yes — physical & virtual debit Mastercard. It supports 40+ currencies.
What is Wise best for?
Wise is best for cheap, transparent international transfers. Wise (formerly TransferWise) is the benchmark for transparent, low-cost international transfers, using the real mid-market rate plus a small visible fee.
Who is behind Wise and where is it based?
Wise launched in 2011 and is based in London, UK, regulated by FCA (UK), NBB (Belgium), FinCEN (US).
Comments 10
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Solid multi-currency account. I wish they had some basic savings interest options or credit cards, but for day-to-day transfers, it's great.
I love the digital cards feature. I can create a temporary card for online shopping and delete it afterwards for security. It works flawlessly.
As a freelancer, having local banking details in the US, Eurozone, and UK is fantastic. My clients pay me locally, and I withdraw with minimal fees. It has saved me thousands in bank fees.
Simple setup, fast verification. I was up and running in less than an hour. The card arrived in the mail within 5 days. Very happy customer.
Outstanding service. I've been using Wise to send money from the UK to my family in Poland for over two years now. The rates are always clear and the transfers usually arrive in minutes. Highly recommend!
Simple setup, fast verification. I was up and running in less than an hour. The card arrived in the mail within 5 days. Very happy customer.
Solid multi-currency account. I wish they had some basic savings interest options or credit cards, but for day-to-day transfers, it's great.
Super easy to use. The multi-currency card is a lifesaver when traveling. I just converted EUR to USD instantly with a very low markup. Excellent interface.
The best way to send money internationally. Period. I used to use Western Union and standard bank transfers, but this is 10 times cheaper and faster.
Solid multi-currency account. I wish they had some basic savings interest options or credit cards, but for day-to-day transfers, it's great.