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Updated July 2026 · real, multi-region App Store reviews
User consensusAlternativesIs it worth it?
Better options than

Wise alternatives

Wise users seek alternatives due to issues with slow transfers, unexpected fees, and app reliability. Many look for services with faster processing, clearer fee structures, and more consistent international card functionality.

Why users look for alternatives to Wise

The alternatives

Remitly
4.9★ · 2,629,082 ratings · Free

Remitly offers fast and reliable money transfers, often with higher exchange rates compared to some competitors R60R61. Users find the app easy to navigate and appreciate its security and customer service R55R61. It is praised for instant transfers to beneficiaries .

Better for: Remitly suits users prioritizing fast and reliable international money transfers, especially if they value good exchange rates and responsive customer service R55R60R61.

Head-to-head: Wise vs Remitly
Ria Money Transfer
4.8★ · 273,051 ratings · Free

Ria Money Transfer is described as easy, secure, fast, and economical for sending money R68. Users appreciate the straightforward process and good service R66R72.

Better for: Ria Money Transfer is better for users seeking a simple, secure, and quick way to send money, especially if they value ease of use and good service R66R68R72.

Head-to-head: Wise vs Ria Money Transfer
Revolut
4.7★ · 69,671 ratings · Free

Revolut is a user-friendly app that makes it easy to transfer and send money internationally, particularly for daily purchases and currency exchange R80R82. Users appreciate its multi-currency accounts and features like eSim .

Better for: Revolut is better for individuals living abroad or frequently traveling who need an easy-to-use app for daily international purchases and multi-currency management R80R82.

Head-to-head: Wise vs Revolut
LemFi
4.8★ · 69,407 ratings · Free

LemFi offers fast and efficient money transfers, with some users reporting transfers in seconds R94R102R104R106. It is seen as a reliable and hassle-free option for sending money.

Better for: LemFi is suitable for users who prioritize extremely fast money transfers and a hassle-free experience, particularly for sending money to family R94R102R104R106.

Head-to-head: Wise vs LemFi
Ameriprise Financial
4.9★ · 36,665 ratings · Free

Ameriprise Financial provides a useful app for managing financial affairs, with some users appreciating its OmniView feature and good service from financial advisors R111R117.

Better for: Ameriprise Financial is better for individuals who need to manage broader financial affairs, including investments, and value advisor support, rather than solely international money transfers R111R117.

Head-to-head: Wise vs Ameriprise Financial
Stick with Wise if

You should stick with Wise if you find its exchange rates fair and fees manageable, and appreciate its speed and reliability for transfers between your own accounts or to specific international payment systems like gcash in the Philippines . It is also a good choice if you use it for traveling abroad and find its international card convenient for local currency payments .

Evidence note: Ameriprise Financial has limited reviews specifically on international money transfer capabilities, with most feedback focusing on broader financial management and app usability issues.

Frequently asked

Why do Wise transfers take so long?
Wise transfers can take several days to process, even for smaller amounts, due to additional checks required by their algorithms or delays in clearing transactions, which can be a problem for urgent transfers R9R16R47R49.
Does Wise have hidden fees or bad exchange rates?
Some Wise users report low exchange rates and unexpected fees from intermediary banks, which can result in the recipient receiving less money than anticipated, in addition to the stated transfer fee R4R6R10R37.
Is the Wise app easy to use?
Some users find the Wise app confusing, buggy, or slow, reporting difficulties with adding funds via certain payment methods like Apple Pay, connecting cards, or navigating the interface R1R7R12R21.
Are there limits on how much money I can send with Wise?
Yes, some Wise users report difficulties sending larger amounts, noting that despite indicating their desired transfer limits during registration, they face restrictions on actual transactions R3.
Can Wise ban my account without warning?
Some Wise users and their acquaintances have reported being banned from the app without clear justification, with concerns raised about overly sensitive algorithms and an ineffective appeal process R31.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R9] Wise 3/5 · US Multiple weekly transactions result in delayed transfers: The algo for checking transactions clearance MUST be corrected. The bank has cleared the transactions and confirmed that communication sent but Wise still shows that additional checks required resulting in delay transfers thus no transfers can occur instanteously (a key feature for keeping my account open).
  2. [R16] Wise 1/5 · US Slow!!!: Terribly slow to actually pay the recipient.
  3. [R19] Wise 1/5 · US Adding to my account: They totally forgot how well they work before. It appears that they now change it from instant to whenever they feel like it. Really disappointed
  4. [R33] Wise 1/5 · US Bad experience: Took too long to sent the money
  5. [R4] Wise 1/5 · US Rate is absurdly bad: title
  6. [R6] Wise 3/5 · US Not happy: Worked really well with one exception. You enter the specific amount that you want to other party to receive, which I the case of paying an invoice is important. But then in the process of sending intermediary banks withhold an unknown fee so your payment going to the payee ends up short. There needs to be a way to calculate and include any bank fees in the transaction so your payment t
  7. [R10] Wise 1/5 · US Low exchange rates: Thy slash around %1 of the money you send internationally , even for bank transfers, in addition to the transfer fee. I’m only using it cause my company forced me to use it.
  8. [R37] Wise 1/5 · US Comisiones altas: Las comisiones que cobran entre intermediarios y bancos son exageradas, creí que sería mejor que Remitly pero no
  9. [R1] Wise 1/5 · US Pésima aplicación: Tiene habilitada la opción de añadir dinero con Apple Pay y cuando se intenta realizar da error llame a servicio al cliente y me dijeron que solo por cuanta bancaria se puede y Venmo para que tienen esas opciones habilitadas si no se pueden usar la verdad que es una pésima herramienta no soluciona si no que da molestia al intentar añadir dinero
  10. [R7] Wise 1/5 · US NO LA RECOMIENDO: Pésima, viaje fuera del país confiando en su promesa de “tarjeta internacional” y NO sirve, no me deja recargar, no me deja hacer nada. Definitivamente NO SE CONFÍEN y no la usen. Terrible. I traveled abroad relying on their promise of an "international card," and it DOES NOT work; it won't let me top up or do anything at all. Definitely DO NOT TRUST it and do not use it.
  11. [R12] Wise 3/5 · US App speed: Slow app , next step not forward easily. Stuck and repeat photo id , selfie not verified yet/ not prompt , can not trust
  12. [R21] Wise 3/5 · GB You’ve changed the app: I have been using Wise for years but you have changed the app and it is no longer inuitive.
  13. [R29] Wise 1/5 · US I would give no stars if I could.: For context, I had an issue with a merchant where I was scammed. I contacted wise and it took them a whole MONTH to formally submit my dispute. I was constantly lead on with bs, and it was obvious support was just wasting my time for the fun of it. Fast forward a few weeks after, I still get no result from the dispute. I contact the merchant and they admit in wri
  14. [R31] Wise 1/5 · US Sooner or later they will ban you for no reason: Literally I and everyone I know has gotten banned by Wise at some point, with no justification. Their algorithms are far too sensitive and their appeal process is a joke.
  15. [R39] Wise 1/5 · US Horrible: Confusing app. And I’m a pretty tech savvy user. Customer service is hurrendous.
  16. [R3] Wise 3/5 · US Limits: Why is it so hard to send larger amounts. You asked how much when registered and yet I can’t do anything
  17. [R52] Remitly 5/5 · US Excelente servicio: Son muy eficaces su atención y respuesta.
  18. [R55] Remitly 5/5 · US Easy: Prompt & Reliable
  19. [R60] Remitly 5/5 · US FAST TRANSACTIONS: Easy to navigate the app,higher rates!
  20. [R61] Remitly 5/5 · US Es confiable y paga bien: Es una agencia que es confiable y tiene buenos servicios, los de atención al cliente son muy atentos respetuosos y diligentes. Gracias Remitly
  21. [R66] Ria Money Transfer 5/5 · US Thanks: Thank you ria everything was so easy I’m enjoying this app I wish you can send me some good promos
  22. [R68] Ria Money Transfer 5/5 · US Excelente: Fácil seguro y rápido y económico
  23. [R72] Ria Money Transfer 5/5 · US Ría: Muy buen servio
  24. [R74] Ria Money Transfer 5/5 · US Super nice app: The best aria
  25. [R80] Revolut 5/5 · US User friendly: I like using Revolut because it is so easy to use. I transfer dollars to euros for transactions in Europe. When I have questions chat and help are easy and quick.
  26. [R82] Revolut 5/5 · US Internationally Benefit: I am currently living in Germany from America. I downloaded this app and have been able to transfer in & send money easy. I use it for my daily purchases and it helps me exchange the US dollars to Euros with ease.
  27. [R84] Revolut 5/5 · US A godsend: Wonderful!
  28. [R86] Revolut 5/5 · US Very good: Very good
  29. [R94] LemFi 5/5 · US Fast and efficient t: Love how quick the services are!
  30. [R102] LemFi 5/5 · US Fast and reliable: Excellent
  31. [R104] LemFi 5/5 · US Fast, reliable, hassle free money transfer: I wish I found this app sooner!
  32. [R106] LemFi 5/5 · US review: this app is dope money is transferred in seconds no more cards or western union !
  33. [R108] Ameriprise Financial 4/5 · US Only One Device at a Time: I like the app very much now. But if you specify your iPad as primary device you can't use it on your iPhone. This is stupid. Only financial app I have that does this. Fix.
  34. [R111] Ameriprise Financial 4/5 · US Great service: Tanveer has been a professional financial advisor.
  35. [R114] Ameriprise Financial 5/5 · US Website: THE BEST
  36. [R117] Ameriprise Financial 5/5 · US Mr. Pallazo: Neil Pallazo has done a great job handling my affairs at a difficult time for us. Much appreciated!
  37. [R47] Wise 2/5 · US Slow and not dependable: This app keeps getting slower. I always have issues sending payments either my American bank account. Sometimes they don’t even have the instant option and the transfers take up to 5 days to process. If you have other options don’t use this app
  38. [R49] Wise 1/5 · US PROCESS TAKES LONG!: It takes several days business days to receive the funds, even for smaller amounts. For urgent transfers, this delay can be a real problem.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store