Head to head
Wise vs PayPal
Wise is built for moving money between countries, at the mid-market rate with a fee per transfer. PayPal is a wallet and checkout network: sending to people is free for personal payments, and sellers pay fees.
Wise
International transfers with transparent fees
Choose Wise if you are sending money abroad and the exchange rate matters.
PayPal
Send money and take online payments
Choose PayPal if you are paying on a website, or the other person only has PayPal.
| Wise | PayPal | |
|---|---|---|
| Price | Pay per transfer | Free for personal sends + seller fees |
| Free option | No | Yes |
| Toolora score | 91/100 | 84/100 |
| Known for | Mid-market exchange rates · Multi-currency account · Business payouts · Debit card options | Person-to-person transfers · Checkout on merchant sites · Business invoicing and checkout · Buyer and seller protection on eligible payments |
Neither fits?
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