Thunes vs Wise

Thunes is a paid, cross-border payments network for moving money between businesses and local payment methods. It serves banks, neobanks, mobile wallets, payment providers, gig-economy platforms, money-transfer operators, digital-asset companies, e-commerce businesses, and payroll or EOR providers. A single payment API provides access to global methods, while financial institutions can also connect through direct APIs or existing Swift infrastructure. The network supports payouts to bank accounts, mobile wallets, cards, cash pickup, and stablecoin wallets, plus acceptance of mobile-wallet, bank, voucher, and BNPL payments. Thunes states coverage of 140 countries, 90 currencies, 220 payment methods, and more than 720 network members. Its stated endpoints include 4 billion mobile and stablecoin wallets, 8 billion bank accounts, and 15 billion cards. REST APIs cover transaction processing, retrieval, account management, and discovery. Real-time tracking, confirmations, transaction insights, and pricing and FX visibility are provided. Thunes says 85% of payments settle immediately or in real time. SmartX Treasury manages FX and liquidity across 90 currencies. Pricing is on request, with fees set during onboarding or in an Order Document.

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.