Wise vs ZaloPay
Wise
wise.comZaloPay
zalopay.vnSide by side
| Figure | Wise | ZaloPay |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 1 | 1 |
| Spec score · Money Transfer Apps | 8.9 (#5) | 8.1 (#40) |
| Spec score · Digital Wallet Apps | 8.0 (#24) | 8.0 (#25) |
| Exchange-rate model | mid_market | variable |
| Upfront fee display | Yes | Yes |
| Free plan | Yes | Yes |
| Headquarters | London, United Kingdom | Ho Chi Minh City, Vietnam |
| Mobile platforms | The Wise app is available for iOS through the Apple App Store and for Android through Google Play. | both |
| Security | Wise says it safeguards customer money separately from its own and uses two-step authentication to protect accounts and transactions. | ZaloPay says it holds PCI DSS and ISO 27001 information-security certifications. |
| Support | Wise says its customer support is available by email, live chat, and phone, 24/7 in English and in 14 other languages. | Customer support is listed at 1900 545 436 and [email protected]; the site says the hotline costs 1,000 VND per minute. |
| Transfer speed | On many popular routes, transfers can arrive within one day, the same day, or instantly. | instant |
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.