Rapyd vs Wise
Rapyd
rapyd.net
Wise
wise.comSide by side
| Figure | Rapyd | Wise |
|---|---|---|
| Price from | $99/mo | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 2 | 1 |
| Spec score · Cross-Border Payment Platforms | 7.5 (#12) | 8.1 (#6) |
| Founded | 2016 | 2011 |
| Payment methods | Rapyd says its network connects local payment and payout methods across 182 markets. | The app says users can fund transfers with Apple Pay, Google Pay, a debit or credit card, or a bank transfer. |
| Security | Rapyd says it has PCI-DSS Level 1 certification and a SOC 2 Type II report. | Wise says it safeguards customer money separately from its own and uses two-step authentication to protect accounts and transactions. |
| Support | Rapyd’s product pages direct prospective customers to contact its global payments team for service information and pricing. | Wise says its customer support is available by email, live chat, and phone, 24/7 in English and in 14 other languages. |
Plans
In their own words
Wise
Wise is a money app for sending money, receiving payments from abroad, checking exchange rates, paying bills, and sending money to loved ones. It sends to bank accounts in over 140 countries; delivery on many popular routes is within a day, the same day, or instant. Wise says it uses the mid-market exchange rate and displays fees before payment. Signing up is free, with no subscription; sending and conversion fees vary by currency and start from 0.33%. Sending to another Wise account has no sending fee, though conversion fees may still apply. Transfers can be funded with Apple Pay, Google Pay, cards, or bank transfer. Users can track and schedule transfers, repeat previous transfers, and receive live exchange-rate notifications. Wise says it safeguards customer money separately from its own and uses two-factor authentication to protect accounts and transactions. Photo ID may be required for some currencies or large transfers. The app is available on Android, iOS, and web.