Instead of Wise
Wise alternatives
Wise is built for international money transfers and related tasks: users can send money, receive payments from abroad, check exchange rates, pay bills, and repeat previous transfers. It supports Android, iOS, and web, with bank delivery to accounts in over 140 countries. Wise uses the mid-market exchange rate, shows fees before payment, and offers tracking, scheduled transfers, rate alerts, and several funding methods. Its free sign-up does not eliminate conversion fees, and photo ID may be required for some currencies or larger transfers.
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TransferGo
by TransferGoFree plan AndroidiPhoneAndroid and iOS transfers to over 160 countries — TransferGo advertises transfers to over 160 countries and uses a markup exchange-rate model, unlike Wise's mid-market rate.
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Xe Money Transfer
by Xe Money TransferFree plan AndroidiPhoneWebTracked transfers across web and mobile — Xe offers web as well as mobile apps and uses a markup exchange-rate model rather than Wise's mid-market rate.
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Ria Money Transfer
Free plan AndroidAPIiPhone+1Cash pickup, digital wallets, and bill payments — Ria adds cash collection, digital wallet delivery, bill payments, and mobile top-ups to international transfers; Wise lists bank delivery.
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Instarem
by InstaremFree plan AndroidiPhoneWebScheduled transfers with markup rates — Instarem supports scheduled transfers and uses a markup exchange-rate model, while Wise uses the mid-market rate.
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Vipps MobilePay
Free plan AndroidAPIiPhone+1 - 14
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Neteller
Free plan AndroidiPhoneWeb - 18
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Mercado Pago
Free plan AndroidAPIiPhone+1 - 23
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Alternatives may suit readers who need a broader destination list, different exchange-rate terms, or more ways for recipients to get their money. TransferGo cites coverage of over 160 countries; Ria offers cash collection and digital wallets as well as bank deposits, plus bill payments and mobile top-ups. The services also differ in platform support and pricing models. Before switching, compare delivery options and reach alongside the rate model, fee display, scheduling, tracking, and whether web access or extra services matter for your transfers.