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Side-by-side comparison
Up logo
Up
VS
Wise logo
Wise

Up vs Wise

Side-by-side comparison of Up and Wise — features, fees, supported countries, and ratings.

Highlights

A quick, at-a-glance look at what makes Up and Wise stand out.

Up logo

Up

Neobank
  • Mobile-first banking
  • Great for personal use
  • Available in 1 country
  • Rated 4.0 / 5 on Neolista
Wise logo

Wise

Top rated
  • Mobile-first banking
  • Personal & business accounts
  • Available in 177 countries
  • Founded in 2011
Neolista

Average Neolista Scores

Compare the Neolista scores of Up and Wise to the overall average score across all listed providers.

Up logo
4.0
VS
Wise logo
4.7
VS

Directory average

4.1

Up vs Wise: the full comparison

Our breakdown of how Up and Wise compare — and which might suit you best.

Up is available in 1 country, while Wise, founded in 2011, is available in 177 countries. Both are popular neobanks, but they take different approaches and suit different needs.

Up is best suited to individuals. Up is a digital bank designed to help you organise your money and simplify your life. Join in minutes and pay no monthly fees. It currently holds a Neolista score of 4.0 out of 5.

By comparison, Wise is geared towards both individuals and businesses. 175 countries. 50 currencies. Get the account built to save you money round the world. Save up to 6x when you send, spend and withdraw 50 currencies, all in one account. It currently holds a Neolista score of 4.7 out of 5.

If Up lines up with what you need, it's a strong choice — but it's worth weighing Wise too, especially on availability, fees and the account types each one supports. Use the live details above to pick the option that fits you best.

Where can you use them?

Up and Wise aren't available everywhere. Here's where each one currently operates.

Up logo

Up

Available in 1 country

Australia flag
VS
Wise logo

Wise

Available in 177 countries

Albania flagAlgeria flagAndorra flagAngola flagAntigua and Barbuda flagArgentina flagArmenia flagAustralia flagAustria flagAzerbaijan flagBahamas flagBahrain flagBangladesh flagBarbados flag+163 more

What customers are saying

Recent verified 5-star reviews for Up and Wise.

I use UP card when I travel overseas. Seamless fee free transactions. I haven't checked the conversion rate but it seems well regarded in ither review sites and offers advice and incentives for savings goals. I have a digital and physical card. Backed by bendigo bank which is another thing in its favour and they are proactive against fraudulent transactions. I wouldn't trust the negative reviews from my perdonal experience.

Trustpilot
michael"Up" review from Trustpilot

SIMPLE, DOES WHAT IT SAYS ON THE TIN,

Trustpilot
Alan"Wise" review from Trustpilot
Up logo

Up is great for individuals

Up offers accounts for personal customers.

Personal accounts
Go to Up
Wise logo

Wise is great for everyone

Wise is available for both personal and business customers.

Personal accountsBusiness accounts
Go to Wise

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