Wise Alternatives

While not yet launched, Ogvio is predicted to be one of the best Wise money transfer alternatives, being built for reliability: instant, no hidden fees, send to over 160 countries, and 40+ currencies, with balances pegged to EUR or USD for stability. It will introduce @tags for DM-style payments, which is especially good for avoiding long account numbers and unnecessary details.

Ogvio is being designed to emphasize transparent pricing and delivery within seconds, aiming to remove surprises that often push people to Wise alternatives after a review or slow clearing stage. As it’s stated on Ogvio’s page:

What you see is what you get - transparent with no extra hidden fees!

Furthermore, you can deposit via cards, Apple Pay, Google Pay, and bank transfers, which are then converted instantly into EUR or USD. This will hedge against inflation in weaker local currencies while keeping funds ready to send, spend, or withdraw globally.

Security will be non-custodial by design: funds stored on-chain in smart vaults, protected by AES-256 encryption and biometrics. With no middlemen, third-party freeze risk will be minimized - an angle many Wise business alternatives comparisons will value when continuity is non-negotiable.

Receiving will mirror sending: global reach, instant settlement, and transparent amounts. As mentioned, users will hold in EUR/USD to stabilize value, then withdraw via bank, PayPal, and more - without hidden charges eroding the outcome. This will suit routine remittances and side-gig payouts.

Lastly, Ogvio doesn’t issue a card yet - a limitation for travelers today. However, the Ogvio card is coming soon, positioned for everyday POS and ATM use once live. Until then, that gap remains the main drawback.

Remitly is a good Wise alternative if you’re looking for flexible payout rails. From the get-go, the platform shows the exchange rate and fees before you send and lets you choose delivery:

• Bank deposit;
• Cash pickup;
• Mobile wallet;
• Home delivery;
• Debit card.

Now, predictability is core to Remitly’s pitch. The Perfect Delivery Promise gives an exact date/time before you confirm. If the transfer arrives later than promised, Remitly refunds the service fee. That on-time guarantee addresses the “when will it land?” anxiety that often triggers a search for a dependable alternative to Wise or any other similar money transfer service.

Speed varies by route and funding method, and Remitly states this transparently. Some corridors offer two speeds, often framed as Economy or Express, with timelines shown during checkout. Country pages and the flow itself disclose the timing window so senders can pick certainty over guesswork, one of the reasons it stands out among Wise alternatives.

Security is top-notch as well. Remitly has multiple layers of protection and a consumer-grade app experience. The homepage emphasizes safe, secure transfers and progress updates, aligning with the needs of senders who value simple tracking and support without juggling enterprise tools.

Overall, Remitly is a live, widely used Wise alternative for person-to-person remittances, with clear pricing, an on-time fee-refund promise, and delivery choices that meet recipients where they are.

Revolut offers multi-currency accounts, budgeting tools, and international transfers in-app, used by 65+ million customers. Its public compare page emphasizes competitive rates, fast transfers, and top-tier security, positioning it as a broad consumer finance app rather than a single-purpose remittance tool.

Transfers cover bank payouts and peer payments. You can send to bank accounts from the app and create payment links to receive or send money. Transfers to other users work in 25+ currencies and are fee-free between Revolut contacts.

Exchanges outside foreign-exchange market hours (5pm Friday - 6pm Sunday, ET) can incur a fee. When making a transaction with the Standard plan, it’s 1%, while Premium and Metal don’t pay an additional fee.

That said, regarding the subscriptions, here is their pricing:

• Standard - free;
• Premium - $9.99/month;
• Metal - $16.99/month.

Premium and Metal plans add benefits like disposable virtual cards and lounge-pass access, alongside enhanced currency-exchange perks described.

For companies, Revolut Business offers local and global account details, the ability to send, receive, and exchange 35+ currencies, issue physical/virtual cards, accept payments, and integrate with accounting tools.

Lastly, security is a top priority, with a 2,500+ person fraud-prevention team and 24/7 support. If you need an alternative to Wise that combines multi-currency spending, quick peer transfers, and business tooling under one app, Revolut fits that profile.

OFX is a global money transfer platform for individuals and businesses with online transfers and 24/7 access to a dedicated “OFXpert". The coverage spans 170+ countries, and the service emphasizes bank-beating rates and security across the web and app. This positions OFX as a practical alternative to Wise for larger or repeat transfers.

The platform also highlights competitive customer transfer rates with low or no fees, shown in the quote before you send. In the US, OFX states that there are no fees from their side, though third-party banks may deduct their own charges. Regardless, you’ll see the total cost appear in your quote and deal confirmation.

Moving to another important factor - speed. Once OFX receives your funds, many major-currency transfers are processed quickly. The platform cites that 80% of payments get processed within 24 hours. You can also personally check the status of your transaction online and get help anytime by phone.

Mobile users can view live market rates and their history for 50+ currencies, then send and track transfers in the app.

If you’re specifically interested in Wise business alternatives, OFX might be worth looking into. The platform supports fast, secure international payments in 30+ currencies to 170+ countries, recurring schedules, and custom pricing for larger, ongoing needs, plus guidance from an OFXpert.

Built for global business payments, Payoneer helps companies operate across borders, support multiple currencies, and meet local compliance while simplifying payments for clients, partners, and suppliers. It focuses on providing accessible, hassle-free cross-border payments to drive growth.

Sellers and freelancers can receive payouts from global marketplaces with local receiving details, then withdraw to a bank, pay expenses from the account, or use the card for online, in-store, or ATM withdrawals.

Marketplaces and platforms can run secure mass payouts via Payoneer’s APIs, reaching payees in 190+ countries and territories and 70+ currencies. It’s designed for scalable, compliant disbursements to large recipient bases.

For spending control, Payoneer offers physical or virtual cards, linkable to USD, EUR, GBP, or CAD balances. Needless to say, virtual cards work online and in supported digital wallets.

If you decide to order the card, standard delivery is free. However, the first card has a $29.95 annual fee. Purchases in your card’s currency, in supported countries, can be free. Transactions with currency conversion incur up to 3.5%, and cross-border usage adds up to 1.8%.

For clearer planning, WorldRemit shows fees and the exchange rate before you send, and its calculator lets you preview amounts by corridor without committing. That transparency makes it one of the best Wise alternatives, particularly when setting expectations for routine support or time-sensitive payouts to family abroad.

When funding a transfer, WorldRemit lists available pay-in methods by your registration country. Typical options include debit, credit, or prepaid cards, bank account transfers, and regional methods such as Interac, iDEAL, Klarna, Trustly, and Apple Pay, where supported.

On the receiving side, WorldRemit supports bank deposits, cash pickup through partner locations, mobile money wallets on supported networks, and home cash delivery in select corridors. Picking the appropriate rail helps recipients who prefer immediate cash or don’t actively use bank accounts.

The estimated timing is shown before you confirm. WorldRemit states that many transfers arrive within minutes, with status visible in your account and notifications as the payment clears.

Furthermore, coverage is broad for consumer remittances. You choose the receive country, amount, and delivery method in a straightforward flow, using the rate calculator to preview totals. This reach and upfront view suit readers comparing an alternative to Wise for predictable corridor-specific payout options.

That said, while centered on person-to-person transfers, WorldRemit’s bank-to-bank payouts can also cover straightforward contractor or supplier payments in supported routes. Since everything is shown upfront in the same interface, it can help small teams seeking a simple, low-overhead send flow without setting up additional business accounts.

One of the newest global money apps that started catching everyone’s attention is Krak. The platform does the usual stuff like sending, saving, and spending. In addition, it does it with zero hidden transfer fees and rates shown before you send, rather than a trading interface or complex remittance dashboard.

Coverage is not something you’ll need to worry about with this global money app. You can pay anyone, anywhere, instantly, and for free, with 160+ countries supported and 300+ currencies/assets you can hold and convert. The emphasis is on removing border friction and bank delays, while keeping pricing predictable inside the flow.

Day-to-day use mirrors chat-style payments. Krak lets you request money via Payment Requests, your Kraktag, or shareable paylinks; you can also send a paylink to someone who doesn’t have the app yet. The promise centers on seconds-fast delivery and upfront pricing.

When it comes to availability, there are a few nuances. Krak lists supported fiat currencies (USD, EUR, GBP, CAD, CHF, JPY) and is available globally, except in Australia and prohibited regions. In the US, crypto transfers are not available in IN, ME, and NY. Cash transfers aren’t available in CO, IN, LA, ME, MA, NY, or UT. Therefore, always check the corridors before making a final decision.

Funding and exits are easy to navigate. You can top up on Krak by crypto, card, or bank transfer, then send instantly. Withdrawals are processed immediately on Krak’s side, though some banks may take up to five business days to reflect funds.

So, if you’re weighing an alternative to Wise, Krak leans on instant settlement, clear pricing, wide currency support, and 24/7 in-app help, plus visibility via Proof-of-Reserves on major assets.

Coverage is the draw when you need both app and cash-pickup options. MoneyGram spans 200+ countries and territories with 470,000+ cash-pickup locations and over 5 billion digital endpoints, making it a practical alternative to Wise bank accounts, especially when recipients need to collect funds without a bank account.

Delivery choices are flexible. Recipients can collect cash at agent locations or receive money to a bank account, debit card, or mobile wallet in select countries. This wide selection of options helps match payout to the customer's reality, not just to a single banking route or app wallet.

The interface was designed to be beginner-friendly, making it easy to send money. Funding methods include bank account, debit or credit card, and Apple Pay. You can also start online and complete the payment with cash at a location where available.

Fees and exchange rates appear during checkout and via the estimator. Costs vary by corridor, amount, funding, and payout method. MoneyGram states it makes money on currency exchange in addition to transfer fees, and rates can change. Now, the speed depends on destination, method, operating hours, and compliance checks.

You can also track your transactions. Enter the reference number and sender details to see the status, and use self-service options to edit certain fields or cancel for a refund if needed.

For organizations comparing Wise business alternatives, MoneyGram Business exposes REST APIs and global rails to reach 5 billion bank accounts and wallets. The platform also supports business disbursements and on/off-ramps, letting teams embed payouts without building their own network.

Familiar to most online shoppers, PayPal offers person-to-person payments and checkout across millions of sites, plus international sending. It’s a generalist, not a niche remittance tool, and your experience hinges on fees, currency conversion, and protection programs that differ by use case - personal transfers versus purchases, and personal versus business accounts.

For personal transfers sent abroad, PayPal adds a 5% international fee (min ($0.99, max $4.99). If you fund the payment with a card, the domestic card fee (2.90% + fixed fee - $0.30) also applies, and a currency-conversion spread may apply. Cross-border fees can be assigned to either party, with the sender typically choosing at checkout.

Currency conversion uses PayPal’s transaction exchange rate, viewable in the wallet’s currency calculator. The displayed rate includes PayPal’s set conversion spread above market rates.

Additionally, PayPal has a Buyer Protection feature that may reimburse the full item price plus original shipping for eligible claims,^[1] such as non-delivery or items that are significantly not as described. This protection is distinct from unauthorized-transaction claims.

For merchants, PayPal Business supports checkouts with cards, PayPal, Venmo (market-dependent), and Pay Later options, alongside Seller Protection on eligible transactions.

That said, when you need to pay many recipients, PayPal Payouts enables mass disbursements via API or web, in multiple currencies, with fees paid by the sender and none by recipients. It’s suited to marketplace seller earnings, affiliate rewards, or gig payouts.

📚 Read More: PayPal Alternatives

Reliable pricing comes first. With TransferGo, the amount you enter is the amount your recipient receives, and fees are shown before you pay. The money transfer service highlights “no hidden fees”, with pricing disclosed in-flow so you can confirm costs and the receive amount before committing to a transfer.

TransferGo explains that it applies a small FX markup over the mid-market rate, and once you confirm, the rate is fixed, so the receive amount won’t change. The structure prioritizes predictability over guesswork, especially for routine payments where consistency matters more than chasing volatile quotes.

Speed is selectable at checkout. Help pages list delivery options including 30 minutes, same-day, next working day, and one working day, subject to holidays. Route-specific timing is shown before payment, letting you trade speed and cost based on urgency rather than hoping a transfer lands on time.

You can also pay by bank transfer or debit/credit card, and recipients can receive to a bank account or directly to debit/credit cards. Card-to-card routes leverage real-time networks, reducing friction when bank details are inconvenient or last-minute delivery is the priority.

Furthermore, the limits are transparent. When paying by card, there’s a $10,000/transaction cap. Bank-transfer funding has no order limit, though your bank may impose its own. Each transfer is also reviewed on receipt of funds, with requests for any additional information communicated to you.

Lastly, business users get a dedicated pricing page: free account setup and management, multi-currency balances, in-account conversion from 0.35%, transfers to bank accounts free, and transfers to cards from 0.2% (third-party fees may apply). For teams considering an alternative to Wise for cross-border payouts, the cost breakdown and speed optionality are the main benefits.