Wise
Wise International Transfer
100/5
Rating
Fees
$0.5+
Fees vary by corridor and payment method. Typically 0.35-1.5% of transfer amount.
Exchange Rate
Mid-market
â Rate guaranteed
Speed
Instant
Typical: 1-2 business days
Features
- True mid-market exchange rate with zero markup
- Transparent fees shown upfront before transfer
- Multi-currency account with 40+ currencies
- Direct M-Pesa deposits to Kenya
- Track transfers in real-time
- Business accounts available
- Recurring transfers for regular payments
- Instant transfers with debit card
- Rate alerts for favorable rates
Pros
- Best exchange rates (true mid-market)
- Lowest fees for most corridors
- Fast transfers (often same-day)
- Direct M-Pesa integration
- Highly transparent pricing
- Excellent mobile app
- Multi-currency wallet feature
Cons
- No cash pickup option
- Requires bank account or mobile money
- Verification can take 1-2 days initially
- Credit card fees higher than debit
Send & Receive Methods
Send Methods
Bank transferDebit cardCredit cardApple PayGoogle Pay
Receive Methods
M-PesaBank account (KES)Airtel Money
Best For
- Regular senders wanting best rates
- Tech-savvy diaspora
- Business payments
- Large transfers (over $500)
- Those with bank accounts
Transfer Limits
Minimum$1
Maximum$1,000,000
Regulation
Licensed by FCA (UK), FinCEN (USA)
Available On
iOSAndroidWeb
App ratings: iOS 4.8â
| Android 4.6â