Wise Review 2025 - Global Card & Multi-Currency Transfers

We tested Wise to see how well it performs as a travel card, payment app, and platform for international money transfers in 2025.

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What Is Wise?

Wise is a financial platform designed to simplify international payments. It combines a low-cost global transfer system with a powerful multi-currency account and a prepaid debit card accepted worldwide.

Core Features

  • Send and receive money in 50+ currencies
  • Hold multiple balances with a single IBAN
  • Real mid-market exchange rates
  • Prepaid Mastercard for global purchases
  • Instant P2P transfers and QR payments

How It Works

Users can sign up and verify their identity to access the Wise multi-currency account. From there, they can order a debit card, receive payments, or send money internationally using transparent fees and real exchange rates.

Wise Card Fees

Card issuance is usually free or low-cost. Spending in local currency has no markup, but ATM withdrawals over monthly limits may incur small fees. No monthly maintenance cost for most users.

Pros & Cons

Pros

  • Transparent pricing with mid-market rates
  • Multi-currency IBAN for global use
  • Card works online and offline
  • App with budgeting, transfers, and bill-splitting

Cons

  • No cashback or staking program
  • Crypto support is limited (no native wallets)
  • Requires KYC and occasional compliance checks

User Testimonials

“I used Wise for all my travel payments across Europe. It worked flawlessly and saved me tons on currency conversions.” - Lina, Barcelona
“Wise is my default tool for getting paid from US clients. The IBAN flexibility is amazing.” - Piotr, Warsaw

Verdict: Is Wise Worth It?

Wise is a must-have tool for anyone who deals with multiple currencies or travels frequently. It's not a crypto-native solution, but for fiat movement and card use - it's one of the best services in 2025.

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FAQs About Wise

Can I hold USD, EUR, GBP, and crypto in Wise?

You can hold 50+ fiat currencies including USD, EUR, GBP, AUD and more. Crypto is not natively supported.

Is there a monthly fee for the Wise card?

No monthly fees in most countries. ATM withdrawal limits and FX fees may apply after free allowances.

Is Wise better than Revolut?

Wise offers better exchange rates and lower international transfer fees. Revolut offers more features (incl. crypto), but with more complexity and fees.

See Also