Send App vs Wise
Send App
send.flutterwave.com
Wise
wise.comSide by side
| Figure | Send App | Wise |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 5 | 1 |
| Spec score · Money Transfer Apps | 9.1 (#3) | 8.9 (#5) |
| Exchange rates | The currency converter uses a daily rate based on prevailing market rates. | Wise says it uses the mid-market exchange rate and shows fees upfront. |
| Exchange-rate model | variable | mid_market |
| Upfront fee display | Yes | Yes |
| Founded | 2016 | 2011 |
| Headquarters | San Francisco, California, United States | London, United Kingdom |
| Identity verification | Before transacting, users must submit government ID, complete a liveness check and provide personal, tax and politically-exposed-person information. | Photo ID may be required for some currencies or large transfers. |
| Mobile platforms | both | The Wise app is available for iOS through the Apple App Store and for Android through Google Play. |
| Payment methods | Send App accepts debit cards, credit cards, bank transfers, Apple Pay and Google Pay on the web. | The app says users can fund transfers with Apple Pay, Google Pay, a debit or credit card, or a bank transfer. |
| Purpose | Send App provides international money transfers to local bank accounts, Mobile Money wallets, and cash-pickup locations. | The Wise app lets people send money, receive payments from abroad, check exchange rates, pay bills, and send money to loved ones. |
| Safeguarded funds | The Google Play listing says European customer funds are held in segregated accounts under the Dutch Financial Supervision Act. | Wise holds customer money with established financial institutions separately from its own accounts. |
| Support | Send provides a Help Center and invites users to contact its support team when help articles do not answer their questions. | Wise says its customer support is available by email, live chat, and phone, 24/7 in English and in 14 other languages. |
| Transfer speed | instant | On many popular routes, transfers can arrive within one day, the same day, or instantly. |
| Transfer tracking | Yes | The app shows the list and current status of transfers users have set up. |
Plans
Send App
- Send App international money transfersFree
- Send App Travel Card$5, paid once
- Europe, United States or United Kingdom transferPrice not published
- Nigeria domestic NGN transferPrice not published
- Nigeria outbound transfersPrice not published
In their own words
Send App
Send App has no write-up on Specifiction yet; its figures are above.
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.