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Updated July 2026 · real, multi-region App Store reviews
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Is it worth paying for

Wise

70
Value score / 100 Worth paying? Depends It depends

Wise is a highly-rated app for international money transfers, praised for its speed and good exchange rates, but it suffers from frequent technical issues, unreliable transfer times, and poor customer support.

Free to download seen up to $250 4.6★ lifetime (106,365) since 2013

Wise is generally effective for international money transfers, offering fast service and competitive exchange rates according to many users. However, a significant number of reviews highlight persistent technical glitches, slow processing times, and unresponsive customer service, making its reliability inconsistent for some.

Free vs paid

The provided reviews do not distinguish between free and paid features, as the app is listed as 'Free' with in-app purchases. Users generally discuss the service as a whole, focusing on transfer fees and exchange rates rather than specific paid features.

Value complaints

  • Users complain about high fees, including intermediary bank fees that reduce the final amount received by the payee, and exchange rates that are not always the best.R27R30R52R649
  • Some users report that the 'international card' promised by Wise does not work abroad, making it useless for travel.R26

Where it delivers

  • Many users find Wise to be fast, easy to use, and reliable for international money transfers.R3R5R8R12
  • The app is praised for offering good exchange rates and low fees compared to traditional banks.R16R37R39R68
  • Wise is considered a secure and trustworthy platform for managing international finances.R43R57R59R74
  • The integration with local payment systems, like GCash in the Philippines, is highly valued.R50
Worth paying if

You frequently send money internationally and prioritize competitive exchange rates and fast transfers, understanding that you might encounter occasional technical issues or slow support R16R37R39. It is also suitable if you need to pay in local currency abroad and find the multi-currency card convenient R50.

Skip / stay free if

You require consistent, instant transfers without delays, or if you need reliable customer support for complex issues R1R4R6. Those who struggle with app setup or connecting bank accounts due to glitches should also consider alternatives R7.

Evidence note: The reviews present a strong dichotomy, with many 5-star ratings praising speed and ease, and many 1-star ratings detailing severe issues. The lifetime rating of 4.6 suggests that positive experiences outweigh negative ones overall, but recent negative reviews highlight significant and recurring problems.

Frequently asked

Is Wise reliable for international money transfers?
Wise is generally considered reliable for international money transfers by many users, with transfers often being fast and accurate R8R12R23R57. However, a significant number of users report unreliable transfer times, with some transfers taking much longer than expected or getting stuck R14.
What are the common issues with Wise?
Common issues with Wise include frequent technical problems such as difficulty connecting bank accounts, failed transfers, and buggy app performance R4R7. Users also report unresponsive or unhelpful customer service, with issues like money getting stuck, unexplained account closures, and disputes taking a long time to resolve R1R4R6.
Does Wise have good exchange rates and fees?
Many users praise Wise for its good exchange rates and fair or low fees, often finding them better than traditional banks R16R37R39R68. However, some users report high commissions, including intermediary bank fees, and note that the exchange rate is not always the best R27R30R52.
Is the Wise app easy to use?
The Wise app is described as very easy and friendly to use by many users R5R22R28. Conversely, other users find the app confusing, vague, and not user-friendly, especially during setup or when encountering issues R11.

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. [R27] 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.
  2. [R30] 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
  3. [R52] 1/5 · US Comisiones altas: Las comisiones que cobran entre intermediarios y bancos son exageradas, creí que sería mejor que Remitly pero no
  4. [R649] 3/5 · CA Frais et taux: Le taux de change n’est pas toujours le meilleur taux. L’appli XE est plus avantageuse. De plus trop de frais pour un compte virtuel!
  5. [R26] 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.
  6. [R3] 5/5 · US Transfer money: Yes
  7. [R5] 5/5 · US Owner: Awesome muy fácil de mandar siiii
  8. [R8] 5/5 · US Great: Fast and trusted
  9. [R12] 5/5 · US Transfer: Quick and positive!!
  10. [R16] 5/5 · US Outstanding App: Extremely fast & exchange rate is extremely good
  11. [R37] 5/5 · US Great Value: Wise has been great for transferring money between my accounts, both foreign and domestic. The fees are fair and the exchange rates have been the best I can find.
  12. [R39] 5/5 · US Excellent: Highly recommend, ultra fast, great exchange and cost
  13. [R68] 5/5 · US Best bank in transfer and foreign X: Better than PayPal x transfer and even cheaper. Fees are low to ok! Great service and great apping
  14. [R43] 5/5 · US Best money card ever: Fast, easy to use, very safe and reliable.
  15. [R57] 5/5 · US Reliable and Quick: Fast and accurate updates with secure features.
  16. [R59] 5/5 · US Best App ever: So easy and trustworthy
  17. [R74] 5/5 · US Transparent & Dependable: Just what you want in a financial app. Very smooth and dependable. Pleased with the thoughtful additions to the main and add-in service. No issues.
  18. [R50] 5/5 · US The best international app: It's great to be able to exchange at convenient rates and be able to pay with local currency. The integration with the Philippines payment systems like gcash is invaluable. All done with simplicity like qr codes. Way ahead than any other international bank I know.
  19. [R14] 3/5 · US Unreliable transfer times: On most occasions, the transfers are practically immediate or take no more than 24 hours. However, when they’re not, they can take much longer. There doesn’t seem to be any way to predict when they will take longer as there has been huge variability between transfers with all other conditions stable (bank and recipient and amounts remain the same). This unreliability is
  20. [R23] 5/5 · US Dot: Fast and reliable
  21. [R1] 1/5 · US Was good, till it turned to garnbage: I used Wise for a couple of years. I live in the US, but plan on retiring in Thailand. Unfortunately, you can’t buy property in Thailand as a foreigner. You have to have Thai ownership. My fiancé and I bought some land, and her name is on a land title. We are in the process of building a house, so a couple of times per month, I needed to send money for labor a
  22. [R4] 1/5 · US No help: The app says I have two accounts. I do not. It will not transfer funds by debit card, Visa card, or by direct bank transfer but is stuck in an endless loop. Contact only responds with unintelligent AI. I’ve wasted hours trying to get it to work.
  23. [R6] 1/5 · US The worst app: My money got stuck in transferring and no one in their chat, email and phone support can assist me. All canned answers. So frustrating. Useless
  24. [R7] 3/5 · US Blah…: Would be nice if I could actually connect my bank… plaid tries to send a confirmation code to my number to connect.. code never comes in.. frustrating app honesty.. has potential but really frustrating. Tried updating the app, toggle between WiFi and data, restarting my phone.. nothing..
  25. [R11] 3/5 · US Long set up and not for tracking currency: If you want an app to track currency, this is not it. The app set up is long and asks too many questions.
  26. [R22] 5/5 · US Perfecto: Muy amigable y rápido
  27. [R28] 5/5 · US JC Account: It’s very easy once you get it!

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