MONEY COMPARISON
Wise vs PayPal
Compare Wise and PayPal fees side by side. Calculate real costs for international transfers. See which saves you more money.
Compare Transfer Costs
Wise
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Fee
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Recipient Gets
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PayPal
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Fee
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Recipient Gets
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You Save With Wise
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Disclaimer: Fees are estimates based on typical rates. Actual fees vary by payment method, account type, and market conditions. Always verify on wise.com and paypal.com before transferring.
Quick Comparison
| Feature | Wise | PayPal |
|---|---|---|
| Fee Model | Flat % (0.4-1.5%) | 2.5-4% + markup |
| Exchange Rate | Mid-market (real) | 3-4% markup |
| Speed | 1-2 business days | Instant (wallet) |
| Multi-currency | 50+ currencies | 25 currencies |
| Debit Card | Yes (free) | Limited |
| Business | Yes | Yes |
| Best For | International transfers | Quick P2P domestic |
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