80 PAÍSES
Wise (TransferWise) y cripto
Multi-currency neobank — used by crypto traders for FX
The verdict
7.5 / 10 · CONSIDER
Wise (London, founded 2011, NASDAQ: WISE) is a multi-currency account product with mid-market FX. Crypto traders use it to off-ramp crypto-to-fiat across 50+ currencies. Direct integration with Coinbase, Kraken, Binance for fiat funding/withdrawal. Not crypto-native but the most efficient cross-border fiat rail crypto users use.
◆ BUY IT IF
- Mid-market FX — 5-10× cheaper than legacy banks
- Multi-currency single account — useful for crypto traders
- FCA + FinCEN + APRA + MAS regulated
- Direct exchange integrations
◇ SKIP IT IF
- Not crypto-native — must combine with exchange
- FX margin small but cumulative
- Account closures occasionally hit crypto-traders flagged for high volume
- No yield product
§ 01 SCORE BREAKDOWN
Five axes, weighted.
DIMENSION WEIGHT RATING SCORE
Soporte cripto
No soportado nativamente
Cobertura
80 países
Tarifas
Mid-market FX rates with transparent fee.
Velocidad
Transferencias instantáneas soportadas
Confianza y seguridad
FCA EMI (UK). FinCEN MSB. APRA AFSL (Australia). MAS Major Payment Institution. EU EMI passporting. Brazilian
§ 02 ESPECIFICACIONES
Todo, en una sola tabla.
Cobertura
- Países
- 80
- Regiones fuertes
- Asia, AU
- Regiones débiles
- GCC, AFRICA
Funciones cripto
- Comprar / vender
- No
- Retirar a wallet
- No
- Pagos a comercios
- No
- Activos soportados
- —
Tarifas
- Amigos y familia
- Free intra-Wise
- Recibir
- Free
- Conversión de moneda
- Mid-market + 0.43–1.5% spread
Velocidad
- Transferencia típica
- Instant intra-Wise; 0-2 days inter-bank
- Transferencia instantánea
- Sí
- Liquidación cripto
- Instant fiat funding to most exchanges
§ 03 PREGUNTAS FRECUENTES
Preguntas frecuentes
Does Wise (TransferWise) support crypto? +
Wise (TransferWise) does not natively support buying or selling crypto within the app. However, it may be used as an on-ramp via third-party exchanges that accept Wise (TransferWise) payments.
How many countries is Wise (TransferWise) available in? +
Wise (TransferWise) is available in 80 countries. Strong regions include: Asia, AU. It has limited availability in: GCC, AFRICA.
What are Wise (TransferWise)'s fees for sending money? +
Send to friends/family: Free intra-Wise. Receiving: Free. Currency conversion: Mid-market + 0.43–1.5% spread. Mid-market FX rates with transparent fee.
How fast are Wise (TransferWise) transfers? +
Wise (TransferWise) offers instant transfers in most cases.