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

Wise vs Remitly

Wise 4.6★ · Free to download 45
Winner Remitly
Remitly 4.9★ · Free to download 80

Remitly generally offers a more reliable and faster money transfer experience with better exchange rates and customer service, while Wise struggles with slow transfers, confusing interfaces, and unresponsive support.

Full reviews: Wise · Remitly

Remitly is favored for its speed, ease of use, and competitive exchange rates for international money transfers, despite some users experiencing occasional delays. Wise, while praised by some for its international features, faces significant criticism for slow transfers, high fees, a confusing app, and poor customer support.

Head to head

Transfer Speed & Reliability edge: RemitlyR7R9R16R19
Wise Many Wise users report significant delays, with transfers taking days instead of minutes, even for smaller amounts, and some transfers failing without clear reasons R9R16R19. Some users also experienced issues with their international card not working abroad R7.
Remitly Remitly is frequently praised for its fast and instant transfers, making it a reliable choice for sending money quickly R71. However, a notable number of users have experienced transfers getting stuck for days or weeks, especially for larger amounts or after cancellations .
Exchange Rates & Fees edge: RemitlyR4R10R29R34
Wise Wise users report low exchange rates and high commissions, sometimes stating that around 1% of the money is slashed in addition to transfer fees, making it less favorable than competitors like Remitly R4R10R39. Some users do find the fees fair and exchange rates competitive R29R34.
Remitly Remitly is praised for its higher rates and fair commissions, especially for larger amounts, and is considered cheaper than other international transfer methods R71. However, some users complain about low exchange rates compared to other services like Taptap Send and high interest on transfers .
Ease of Use & App Experience edge: RemitlyR1R2R8R12
Wise Wise receives mixed reviews on ease of use; some find it very easy, friendly, and simple R2R8, while many others describe it as confusing, complicated, buggy, slow, and not user-friendly, especially after recent updates R1R12R18. Issues include difficulty adding money via Apple Pay or cards, and problems with ID verification R1R12R25.
Remitly Remitly is widely praised for being easy to navigate, simple, and convenient to use R71. However, some users find it complicated and report technical issues .
Customer Service & Support tieR1R5R25R31
Wise Wise's customer service is frequently criticized as horrendous, unresponsive, and unhelpful, with users reporting long waits for dispute resolution and difficulties understanding support agents R1R5R25R31. Some users, however, praise it as excellent R5.
Remitly Remitly's customer service receives mixed reviews; many find it attentive, respectful, and diligent , but a significant number report extremely disappointing experiences, including conversations being cut short, generic responses, and funds being held without clear answers .
Security & Trust edge: RemitlyR11R13R18R33
Wise Wise is generally seen as safe and reliable by many users R11. However, there are serious accusations of the app stealing money, banning users without reason, and concerns about biometric data collection R13R18R33.
Remitly Remitly is widely considered safe, reliable, and trustworthy for sending money . Despite this, some users have accused Remitly of being 'thieves' and unprofessional for holding funds .
Pick Wise if

You need a multi-currency account for travel and occasional international payments, and you are comfortable with a potentially complex setup process and slower transfers R29.

Pick Remitly if

You prioritize fast, easy, and reliable international money transfers, especially to family, and want competitive exchange rates and lower fees R71.

Evidence note: Wise has a significantly lower number of ratings (106,306) compared to Remitly (2,629,082), which means Remitly's user feedback is much more extensive and representative. Both apps are free to download, so the free-vs-paid asymmetry is not a significant factor here.

Frequently asked

Which app offers better exchange rates?
Remitly generally offers better exchange rates and lower fees, especially for larger amounts, with users frequently praising its competitive rates R71. Wise users, however, often report low exchange rates and high commissions R4R10R39.
Which app is faster for money transfers?
Remitly is generally faster for money transfers, with many users reporting instant or very quick transactions R71. Wise, in contrast, is frequently criticized for slow transfers that can take several days R9R16R19R35.
Which app has better customer support?
Neither app consistently provides excellent customer support, with both receiving mixed reviews. Remitly has users who find support attentive and diligent , but also many who report poor, unhelpful, or cut-off interactions . Wise's customer service is frequently described as horrendous and unresponsive R1R25R31R41.

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. [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.
  2. [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).
  3. [R16] Wise 1/5 · US Slow!!!: Terribly slow to actually pay the recipient.
  4. [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
  5. [R4] Wise 1/5 · US Rate is absurdly bad: title
  6. [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.
  7. [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.
  8. [R34] Wise 5/5 · US Excellent: Highly recommend, ultra fast, great exchange and cost
  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. [R2] Wise 5/5 · US Useful: Very good · translated
  11. [R8] Wise 5/5 · US Perfecto: Muy amigable y rápido
  12. [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
  13. [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!
  14. [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
  15. [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
  16. [R11] Wise 5/5 · US Dot: Fast and reliable
  17. [R13] Wise 1/5 · US This app will steal your money: This app stole money from my card
  18. [R18] Wise 3/5 · US Biometric data: UPDATE I believe the "Developer Response" entirely missed my point. My review was not about the fact you require ID for account creation, verification, background checks, etc. My comment was about you want to gather and harvest people's biometric information, such as facial scan. --- In the latest update, now they are asking for your consent to use face scans and other biometric d
  19. [R33] 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.
  20. [R39] Wise 1/5 · US Comisiones altas: Las comisiones que cobran entre intermediarios y bancos son exageradas, creí que sería mejor que Remitly pero no
  21. [R71] Remitly 5/5 · US FAST TRANSACTIONS: Easy to navigate the app,higher rates!
  22. [R35] Wise 1/5 · US Bad experience: Took too long to sent the money
  23. [R41] Wise 1/5 · US Horrible: Confusing app. And I’m a pretty tech savvy user. Customer service is hurrendous.

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