Wise
Wise Account
Score
of 10rubric 2026.1
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01
Who this is for
The summary is editorial. The two lists beneath it are read from this product's verified attributes against the rest of its table, and change when a figure does.
Holds the widest set of currencies of any account here and charges a conversion fee from the first pound rather than capping a fee-free allowance — which makes it cheapest at high spend and beatable at low spend.
Who this suits
Holding balances in several currencies at once — 40 of them, the widest coverage here.
Calculated from attributes verified 16 Sep 2026
Who it doesn’t
Occasional low-value spending. The 0.24% conversion fee applies from the first pound, with no fee-free allowance to sit under.
Calculated from attributes verified 16 Sep 2026
02
The score, taken apart
Every criterion, its published weight, what it earned and what that contributed.
| Criterion | Weight | Score | Contribution |
|---|---|---|---|
| FX cost on £1,500/mo spend | 45% | 7.60 | 3.42 |
| Currency coverage | 35% | 10.00 | 3.50 |
| Account fee | 20% | 10.00 | 2.00 |
| Total | 100% | 8.9 |
Strong tier. Weights are published on the methodology page; a change to any of them is a rubric version bump, not a silent edit.
03
Every stored figure
One row per attribute, each with the source it was read from and the date it was read. Every row has its own anchor, so a single figure can be linked to directly — for example /neobanks/wise#monthly-fee-gbp.
| Attribute | Value | Source | Checked |
|---|---|---|---|
| Monthly fee | Free | wise.com | Verified against the source 16 Sep 2026 |
| conversion feeWhat a provider adds to the mid-market exchange rate when it converts your money, quoted as a percentage or in basis points. It is separate from any monthly account fee, and it is usually the reason two accounts with identical headline pricing cost different amounts to use. | 0.24% | wise.com | Verified against the source 16 Sep 2026 |
| fee-free allowanceA monthly amount a provider converts at no charge before its conversion fee starts applying. An allowance makes a headline rate of nothing true only up to a threshold, which is why this site compares a defined spending scenario rather than a headline rate. | None | wise.com | Verified against the source 16 Sep 2026 |
| Currencies held | 40 | wise.com | Verified against the source 16 Sep 2026 |
| Free ATM withdrawals | £250/mo, then 2.69% | wise.com | Verified against the source 16 Sep 2026 |
04
Sources
Every figure checked on 16 Sep 2026.
Monthly fee · Conversion fee · Fee-free FX allowance · Free ATM withdrawals
Currencies held
05
Use this record
The figures above are meant to be quoted and checked, not just read.
Cite this pageplain text or BibTeX
Plain text
Points Architect. "Wise Account: verified product record." Rubric 2026.1. Verified 16 Sep 2026. https://pointsarchitect.com/neobanks/wise
BibTeX
@misc{pointsarchitect-neobanks-wise,
title = {Wise Account: verified product record},
author = {{Points Architect}},
year = {2026},
howpublished = {\url{https://pointsarchitect.com/neobanks/wise}},
note = {Verified 16 Sep 2026; rubric 2026.1}
}Canonical URL https://pointsarchitect.com/neobanks/wise. Every row in the attribute table has its own anchor, so a single fee can be cited without citing the whole record.
06
Compared directly
Head-to-head pages exist only between products that both rank inside this vertical's top three.
Figures on this page are dated individually to the day each was checked against its source. Nothing here is an estimate, and the score is calculated from the attributes above rather than entered by hand. See methodology.