Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Wise vs LemFi

Wise 4.6★ · Free to download 75
Winner Wise
LemFi 4.8★ · Free to download 65

Choose Wise for a more reliable experience, but LemFi offers competitive features.

Full reviews: Wise · LemFi

Wise generally provides a more consistent experience with fewer complaints about reliability, while LemFi has a higher overall rating but faces significant issues with customer service and transaction delays. Users of both apps report issues, but Wise's long-term users seem more satisfied overall.

Head to head

features edge: WiseR3R10R62R70
Wise Wise offers a wide range of features, including international money transfers and competitive exchange rates, but some users mention limitations on sending larger amounts R3R10.
LemFi LemFi is praised for its speed and efficiency, with users enjoying quick transfers, but it has faced complaints about delayed transactions and poor customer service R70.
ease of use edge: WiseR8R36R80R110
Wise Many users find Wise easy to use and appreciate its user-friendly interface, though some report confusion with features R8R36.
LemFi LemFi users highlight its simplicity, but several reviews indicate issues with account access and transaction processes R80R110.
reliability edge: WiseR9R51R79R112
Wise Wise has a mixed reputation; while many users report fast and reliable transfers, there are notable complaints about delays and issues with customer service R9R51.
LemFi LemFi users frequently report problems with transaction delays and poor customer support, leading to frustrations and negative experiences R79R112.
price/value edge: WiseR29R54R69R81
Wise Wise is noted for its fair fees and competitive exchange rates, with users stating that the value is generally good R29R54.
LemFi LemFi users express dissatisfaction with exchange rates and fees, indicating that they are not as competitive as expected R69R81.
support edge: WiseR5R31R70R94
Wise Wise's customer service receives mixed reviews, with some users reporting positive experiences while others face long response times R5R31.
LemFi LemFi users consistently complain about poor customer service and lack of timely responses, which significantly impacts their experience R70R94.
Pick Wise if

you value reliability and a proven track record in money transfers.

Pick LemFi if

you prioritize speed and are willing to navigate potential customer service issues.

Evidence note: While both apps have positive and negative reviews, Wise's long-term users seem more consistently satisfied compared to LemFi's more recent complaints about reliability.

Frequently asked

Which app is better for international money transfers?
Wise is generally considered better for international money transfers due to its competitive fees and more reliable service, as indicated by user feedback R29R54.

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. [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
  2. [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.
  3. [R62] LemFi 5/5 · US Fast and efficient t: Love how quick the services are!
  4. [R70] LemFi 1/5 · US Poor service: First off let me say I was able to send to family twice the third time my account was locked and I was left with $500 in LemFi account and couldn’t send it back to my account. After numerous attempts with emails with promises of looking into the issue a week went by without a resolution. Then I made a phone call and was told I had to answer questions that I had already answered and
  5. [R8] Wise 5/5 · US Perfecto: Muy amigable y rápido
  6. [R36] Wise 5/5 · US Loving it: Pretty easy to use
  7. [R80] LemFi 5/5 · US I loved it: So easy to use
  8. [R110] LemFi 1/5 · US Poor customer service!: I have been a user of LemFi for about 3 years now but today I don’t have good reviews for this app. About 3 weeks ago, the LemFi app on my iPhone just stopped working.ie. When I open the app, it takes me to the login page but i couldn’t proceed to login or even change my password if anything simply put, it didn’t allow to even try to create a new account! I reached out to c
  9. [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).
  10. [R51] 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.
  11. [R79] LemFi 1/5 · US Transaction delay: I have sent money for the past 7 days yet the money wasn’t delivered to my recipient and it wasn’t refunded to my account.
  12. [R112] LemFi 1/5 · US Worst App Ever, False “Instant Transfer” Claims: Worst experience ever. The app claims instant transfer, but it’s been almost 2 days and I still haven’t received my money. No proper support, no clear updates, just delays and frustration. Completely unreliable. Would not recommend this app to anyone.
  13. [R29] Wise 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.
  14. [R54] Wise 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
  15. [R69] LemFi 3/5 · US Rate no longer competitive: I have been using TapTap for months now because their exchange rate from dollar to naira favors me 😂. I used LEMFI today because of my accumulated points. You used to be better. What happened? Change in management?
  16. [R81] LemFi 3/5 · GB Your rate: Compare to others is too little
  17. [R5] Wise 5/5 · US Best Financial App Ever!: This is the best financial app I have ever used in my life so far! It definitely beats PayPal when it comes to customer service!
  18. [R31] 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
  19. [R94] LemFi 1/5 · US Horrible support team: I recently made an account and it was disabled immediately. The support team told me I had to send them a bunch of information that I deemed personal and none of their business honestly. I would not recommend using this service. It feels like a scam!!

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