Wise vs GoTyme.
Wise (W68/100) and GoTyme (G52/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Wise leads GoTyme 7-1.
| G GoTyme №65 · BSP 52 /100 | W Wise №42 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 52 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 /mo |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | E-money inst. FCA |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 160 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.3 ★ 220k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.5 ★ iOS 4.7 · And 4.2 |
| Read review → | Read review → | |
Pick GoTyme if…
Joint venture between Tyme Group (South African digital-bank operator) and JG Summit Holdings (PH conglomerate). Fastest-growing PH neobank — ~6M customers in <4 years. Instant in-mall card-issuance via Robinsons Retail kiosks is a structural differentiator.
Pick Wise if…
Pick if FX and multi-currency receiving accounts dominate your usage — not for stocks or crypto.
- Best for fees Wise won 2 of 4
- Best for protection Wise won 1 of 2
- Best for reach Wise won 2 of 3
- Best for ux Tied
Wise vs GoTyme — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is GoTyme better than Wise?
Under our v3 methodology, Wise leads GoTyme 7–1 across 12 dimensions. Composite scores: GoTyme 52/100 vs Wise 68/100. Wise is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is GoTyme or Wise cheaper?
Monthly fee — GoTyme: €0; Wise: €0. Card FX markup — GoTyme: 1.50%; Wise: Interbank. Wise wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, GoTyme or Wise?
GoTyme holds a Payment inst. licence under BSP; deposit guarantee per depositor: Safeguarded. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Wise is the stronger pick on regulatory protection.
Where can I use GoTyme and Wise?
GoTyme operates in 1 country; Wise operates in 160 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.