Wise: International Transfers

What it is

Wise: International Transfers is a finance app from Wise Payments Ltd. It is free to install, rated Everyone, and has been on Google Play since March 2014. The last update was on 2026-10-26. The listing says over 16 million customers use Wise to send, receive, spend and grow money internationally, across 145+ countries and 45+ currencies.

What it does well

Transfers reach more than 70 countries, and the listing says the rate applied is the mid-market one. It also claims that most transfers, over 65%, land within 20 seconds, with the caveat that this depends on circumstances. A multi-currency card lets you use the card or take out cash in over 160 countries, with auto-conversion when you lack the local currency. You can hold 40 currencies, set automatic conversions at specific rates and use Rate Alerts. Local account details, such as a British account number with its sort code, a European IBAN and Australian details, let you get paid like a local. A business account is also described.

What the ratings show

The app scores 4.76 across 2,100,682 ratings and has 50,000,000+ installs. Of the ratings, 88% are five stars and 6.8% are four. One-star ratings are 2.8%, two-star 0.8% and three-star 1.6%. That is a strong result for a finance app, a category where trust matters.

Where it falls short

The listing is clear that available products depend on where you live. Fees vary by type of transaction. It states there is no monthly or maintenance fee in most cases, which leaves room for exceptions. Wise describes itself as a registered money service business and not an FDIC-insured bank. The card is issued by sponsor banks, and the interest feature is an investment service where capital is at risk, with availability varying by location.

People who send money abroad, get paid in other currencies or travel often have an obvious use for it. Check the Wise website for what is offered where you live.

Overall, the data describes a trusted, widely used app whose usefulness depends heavily on geography and personal needs. The ratings are excellent, and the regulatory wording in the listing is candid, which helps a cautious reader.