--- description: Discover the benefits and disadvantages of Wise. Learn the software price, see the description, and read the most helpful reviews for UK business users. image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress title: Wise Pricing, Cost & Reviews - Capterra UK 2026 --- Breadcrumb: [Home](/) > [Payment Processing Software](/directory/30232/payment-processing/software) > [Wise](/software/1016836/wise) # Wise Canonical: https://www.capterra.co.uk/software/1016836/wise Page: 1 / 5\ Next: [Next page](https://www.capterra.co.uk/software/1016836/wise?page=2) > Payment processing software that lets businesses transfer money in multi currencies to users across international countries. > > Verdict: Rated **3.7/5** by 90 users. Top-rated for **Likelihood to recommend**. ----- ## Quick Stats & Ratings | Metric | Rating | Detail | | **Overall** | **3.7/5** | 90 Reviews | | Ease of Use | 3.9/5 | Based on overall reviews | | Customer Support | 3.4/5 | Based on overall reviews | | Value for Money | 3.7/5 | Based on overall reviews | | Features | 3.9/5 | Based on overall reviews | | Recommendation percentage | 70% | (7/10 Likelihood to recommend) | ## About the vendor - **Company**: Wise ## Commercial Context - **Pricing model**: (Free version available) - **Pricing Details**: Contact Wise for pricing details. - **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 501–1,000, 1,001–5,000, 5,001–10,000, 10,000+ - **Deployment & Platforms**: Cloud, SaaS, Web-based - **Supported Languages**: English, German - **Available Countries**: United Kingdom ## Features - Reporting/Analytics - Transaction Monitoring ## Support Options - Email/Help Desk - FAQs/Forum - Knowledge Base ## Category - [Payment Processing Software](https://www.capterra.co.uk/directory/30232/payment-processing/software) ## Alternatives 1. 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[Square Point of Sale](https://www.capterra.co.uk/software/154907/square-point-of-sale) — 4.6/5 (3039 reviews) ## Reviews ### "Easiest Way To Transfer Your Money" — 5.0/5 > **Deniz** | *31 October 2024* | Marketing & Advertising | Recommendation rating: 10.0/10 > > **Pros**: The speed it has with international money transfer > > **Cons**: There is nothing I don't like about Wise > > I really like using Wise a lot, it's very smooth and very easy to use ----- ### "A wise choice for your all your currency transfer transactions" — 5.0/5 > **Michael** | *22 March 2025* | Recreational Facilities & Services | Recommendation rating: 10.0/10 > > **Pros**: What I liked most about Wise is its lightning-fast transfer speeds, which were crucial for my situation. Living in Spain and managing large transfers for a house build, I needed transactions from my UK accounts to be quick, secure, and hassle-free. Wise consistently delivered—most transfers arrived in seconds, even with substantial amounts, and I never encountered a single issue. I also like Wise’s transparent and inexpensive fees, the user-friendly interface, and reliability across currencies. > > **Cons**: I had one issue with my bank, but that had nothing at all to do with Wise or their service. The issue was quickly resolved and the money arrived safely and quickly. > > Very happy indeed. The service has always been quick, safe, I always seem to get the best exchange rates at the time too. The fees are quite low. Its been a great discovery and perfect for my needs. ----- ### "Most secure and transparent fintech app in the world" — 5.0/5 > **Gabriel** | *19 March 2025* | E-Learning | Recommendation rating: 10.0/10 > > **Pros**: I've been using wise (ex transferwise) for 8 years now, and I have absolute trust in this company. I love how simple and transparent everything is. With them, nothing is complicated or sketchy and I just love that. > > **Cons**: The fact that you cant do much with money besides spend it or send it. I cant believe they dont offer loans or credit, because the problem is that since I've handled my money with them all of these years, I didn't build credit score with other banks. If they would allow you to build credit score with them, offer some type of credit card option or give out small loans, they would be the best. > > Overall, I am a person who recommends wise to every single person I know. I am happy, loyal client. ----- ### "Cross border transactions easy and affordable" — 4.0/5 > **Md** | *8 September 2026* | Higher Education | Recommendation rating: 9.0/10 > > **Pros**: I have been using it for 5 years, setting up the account was easy. All I had to do is prove my identity and physical address. There are so many different currency account I could open, also jars to keep aside for saving some money. > > **Cons**: The UI has some lag and loading or buffering issues. Cross border transactions sometimes take much time than anticipation, the digital card limit is now just three, it should be increased. > > For sending money without taking hassles from conventional banks, Wise is the most choice affordable and reliable choice. But need to increase card number limit. ----- ### "If money lost they won't help" — 1.0/5 > **Ole** | *16 August 2026* | Writing & Editing | Recommendation rating: 0.0/10 > > **Pros**: Virtual card, option to keep it in the mobile app. Other than that there are not much advantages at least in comparison with competitors. > > **Cons**: I travel frequently, and I signed up for Wise because I needed a virtual card that I could use while traveling abroad without having to rely on physical cards. I funded my Wise account specifically for this purpose. Unfortunately, I became disappointed with Wise within the very first week of using it. While traveling abroad, I used my Wise virtual card to purchase a bus ticket. I specifically paid extra for a more expensive fare that allowed cancellation and a refund. My travel plans later changed, so I cancelled the ticket and requested the refund I had paid extra to be entitled to. The bus company refused to refund me. I contacted Wise for help with the dispute. Wise did essentially nothing to resolve the problem. Instead, what followed was a stressful, multi-day exchange involving numerous emails, questions, and repeated requests for documentation — including documentation that the bus company itself refused to provide me. In the end, Wise did not help me recover the money. The amount involved was only about $20. That is less than 1% of my monthly travel budget, so financially I could simply forget about it. I am writing this review because of what this experience tells me about Wise, not because losing $20 is a serious financial problem for me. I am a U.S. resident and have used several American financial institutions over the years, including Wells Fargo and Charles Schwab. I also use PayPal. Occasionally, I have had disputes with merchants. In my experience, banks and other payment services have generally made the dispute process straightforward and have helped resolve these situations quickly and effectively. My experience with Wise was completely different. That is what destroyed my confidence in the service. If Wise cannot effectively help me with a merchant dispute involving just $20, why should I trust them with substantially larger amounts of my money? What happens if one day my card details are stolen and hundreds or thousands of dollars disappear? Based on this experience, I no longer have confidence that Wise would protect me or effectively help resolve the problem. For a financial service, trust is everything. Wise lost mine during my first week of using it. I cannot recommend Wise. Once I withdraw the remaining money from my account, I intend to stop using the service and find a virtual card from another financial institution or payment provider that I can actually trust when something goes wrong. > > Awful awful experience overall. I regret very much that I trust it this financial institution. For now I'm looking for alternatives. ----- Page: 1 / 5\ Next: [Next page](https://www.capterra.co.uk/software/1016836/wise?page=2) ## Links - [View on Capterra](https://www.capterra.co.uk/software/1016836/wise) ## This page is available in the following languages | Locale | URL | | de | | | de-AT | | | de-CH | | | en | | | en-AE | | | en-AU | | | en-CA | | | en-GB | | | en-IE | | | en-IL | | | en-IN | | | en-NZ | | | en-SG | | | en-ZA | | | fr | | | fr-BE | | | fr-CA | | | fr-LU | | ----- ## Structured Data