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

Wise vs Ameriprise Financial

Wise 4.6★ · Free to download 60
Winner Ameriprise Financial
Ameriprise Financial 4.9★ · Free to download 75

Ameriprise Financial is the better choice for comprehensive financial management and advisor support, while Wise is suitable for international money transfers despite its reported inconsistencies.

Full reviews: Wise · Ameriprise Financial

Ameriprise Financial excels in providing a robust platform for managing investments and connecting with financial advisors, though some users report login and feature access issues. Wise is praised for its international money transfer capabilities and good exchange rates, but faces criticism for slow transfers, confusing interface, and customer service problems.

Head to head

Features & Functionality edge: Ameriprise FinancialR1R3R7R15
Wise Wise is highly valued for its international money transfer capabilities, good exchange rates, and ability to pay in local currency R29. Users appreciate its integration with various payment systems like gcash . However, some users report issues with adding money via Apple Pay or cards, limitations on sending larger amounts, and the inability to transfer directly to certain accounts like Pix in Brazil R1R3R15R25. The international card feature is also reported to be unreliable by some users R7.
Ameriprise Financial Ameriprise Financial offers comprehensive financial management, including investment tracking and retirement planning, with features like OmniView . Users appreciate the ability to see their entire portfolio and do business through the app . However, there are complaints about the inability to access mortgage documents, make direct deposits or withdrawals to external bank accounts, and view credit card transactions older than 3 months R66. Some users also find the investment performance charts and tax lot information to be lacking .
Ease of Use edge: Ameriprise FinancialR1R8R12R14
Wise Many Wise users find the app easy, friendly, and simple to use for transfers R8R14R32. However, a significant number of users describe it as confusing, complicated, buggy, and not user-friendly, especially when adding funds or navigating the interface R1R12. The identity verification process is also cited as problematic .
Ameriprise Financial Ameriprise Financial is generally considered easy to use and navigate by many users . However, some users find the app disorganized, poorly presented, and less intuitive than the website . Specific complaints include difficulty with login, accessing certain documents, and the app's orientation on iPad .
Reliability & Speed tieR9R11R12R16
Wise Wise is praised for being fast and reliable for international transfers by many users R11R32. However, a frequent complaint is about slow transfers, delays, and funds taking days to arrive, even for smaller amounts R9R16. Some users also report issues with the app's speed and stability R12.
Ameriprise Financial Ameriprise Financial users generally find the app to be stable and without significant downtime . However, there are reports of issues with two-factor authentication (2FA) codes not being sent or the app not remembering trusted devices, leading to login difficulties R64R66R85. Some users also experience problems with Face ID after updates . Internal transfers are noted to have limited hours .
Price & Value edge: Ameriprise FinancialR4R6R10R29
Wise Wise is appreciated for its fair fees, good exchange rates, and being cheaper than alternatives like PayPal R29. However, some users complain about high commissions, low exchange rates, and intermediary banks withholding unknown fees, leading to the payee receiving less than expected R4R6R10.
Ameriprise Financial Ameriprise Financial is valued for the overall financial guidance and support provided by its advisors, which users find to be a great value for managing investments and planning for the future . The app itself is free to download, and the value is tied to the advisory services.
Customer Support edge: Ameriprise FinancialR1R5R21R25
Wise Wise receives praise for its customer service, with some users calling it the best and better than PayPal R5. However, many users report negative experiences, including unhelpful support, difficulty understanding representatives, long waits for dispute resolution, and lack of clear reasons for failed transfers or account bans R1R21R25.
Ameriprise Financial Ameriprise Financial is highly praised for its excellent customer service and the helpfulness, professionalism, and responsiveness of its financial advisors . Users appreciate getting their questions answered in a timely manner and receiving great guidance .
Pick Wise if

you primarily need to send money internationally with competitive exchange rates and are comfortable with potential inconsistencies in transfer speed or customer support R29.

Pick Ameriprise Financial if

you are looking for a comprehensive financial management app with strong advisor support for investments, retirement planning, and overall financial guidance .

Evidence note: Ameriprise Financial's reviews frequently highlight the positive experience with their financial advisors, which heavily influences the perception of the app's value and customer support. Wise's reviews are more focused on the app's direct functionality for money transfers.

Frequently asked

Is Wise reliable for international transfers?
Wise is generally considered reliable for international transfers by many users, with transfers often described as fast and accurate, but some users report significant delays and inconsistencies in transfer times R11R32.
Does Ameriprise Financial's app have good security features?
Ameriprise Financial's app includes two-factor authentication (2FA) which is seen as a key security feature, though some users find its implementation cumbersome and report issues with codes not being sent or the app not remembering trusted devices R64R66R85R89.
Are there hidden fees with Wise?
While Wise is praised for fair fees and good exchange rates, some users report issues with intermediary banks withholding unknown fees, leading to the recipient receiving less than the intended amount, and others mention high commissions or low exchange rates R4R6R10.

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. [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
  2. [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
  3. [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.
  4. [R15] Wise 3/5 · US It’s ok.: I would like to transfer directly to Pix account in Brazil from USA. Maybe it’s possible but if it is, it ain’t readily accessible. Also…why do electrons take the weekends and holidays off? It’s 2026 not 1826. Push the send button, zap zoom zing…one would think. 🙄 I mean they made phone calls from a land line to the astronauts on the moon in 1969, but today’s technology can’t send money
  5. [R8] Wise 5/5 · US Perfecto: Muy amigable y rápido
  6. [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
  7. [R14] Wise 5/5 · US JC Account: It’s very easy once you get it!
  8. [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).
  9. [R11] Wise 5/5 · US Dot: Fast and reliable
  10. [R16] Wise 1/5 · US Slow!!!: Terribly slow to actually pay the recipient.
  11. [R4] Wise 1/5 · US Rate is absurdly bad: title
  12. [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
  13. [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.
  14. [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.
  15. [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!
  16. [R21] Wise 3/5 · US Disappointed: For what I pay in transfer fees I’m disappointed that the only information I have is from the app that my transfer couldn’t be completed. No reason given. And I wouldn’t have known after several days watching my bank account for the deposit that it had failed until I thought to check the Wise app. AND now I have to wait 8-10 business days to recover my funds.
  17. [R25] Wise 1/5 · US Can’t connect Cards or Bank: Very Disappointed as I travel a lot and hoped that this would be a way to avoid many of the International Banking fees. Unfortunately, I am not able to transfer funds on the fly as I am not able to connect my Apple Card or any of my other 7 major US credit cards, all of which are in good standing. The Customer Service team is of course located somewhere in India or Ban
  18. [R32] Wise 5/5 · US I love this app it easy and faster: Best money app ever
  19. [R64] Ameriprise Financial 1/5 · US Trash 2FA implementation: Doesn’t remember trusted devices, doesn’t support authenticator autofill for iOS passwords app, doesn’t allow pasting authenticator codes, and doesn’t support Plaid integration. Cannot opt out of 2FA. Garbage.
  20. [R66] Ameriprise Financial 3/5 · US Some Limitations: The app requires MFA but frequently the text message with the code doesn’t get sent. You can’t withdraw money direct to a bank account as you can with E*Trade or other financial apps. You have to call your advisor. These two limitations make the app less user friendly.
  21. [R85] Ameriprise Financial 1/5 · US App Issues and Thievery: Ameriprise and this app are not good. Definitely go elsewhere for your financial needs. App constantly has 2FA issues.
  22. [R89] Ameriprise Financial 1/5 · US 2fa and face id: Why require 2fa every single time I sign in with face id? Other banks do not require this with their apps and it defeats the whole point of face id.

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