Banco Inter vs Wise.
Banco Inter (B76/100) and Wise (W68/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Banco Inter leads Wise 5-3.
| B Banco Inter №16 · BACEN 76 /100 | W Wise №42 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 /mo |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank BACEN | E-money inst. FCA |
| Deposit guarantee Per depositor | €250,000 BR.FGC | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 160 countries |
| Crypto Coins available | 8 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 2.8 ★ 1k reviews | 4.3 ★ 220k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.5 ★ iOS 4.7 · And 4.2 |
| Read review → | Read review → | |
Pick Banco Inter if…
Brazilian full-bank digital pivot success story (since 2015). ~33M customers across Conta + Inter Invest + Inter Shop. Public on NASDAQ: INTR (formerly B3). Inter Shop (cashback marketplace) is a unique super-app feature in Brazilian neobanking.
Pick Wise if…
Pick if FX and multi-currency receiving accounts dominate your usage — not for stocks or crypto.
- Best for fees Wise won 1 of 4
- Best for protection Banco Inter won 2 of 2
- Best for reach Tied
- Best for ux Tied
Banco Inter vs Wise — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Wise?
Under our v3 methodology, Banco Inter leads Wise 5–3 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Wise 68/100. Banco Inter is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco Inter or Wise cheaper?
Monthly fee — Banco Inter: €0; Wise: €0. Card FX markup — Banco Inter: Interbank; Wise: Interbank. Wise wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Banco Inter or Wise?
Banco Inter holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Banco Inter is the stronger pick on regulatory protection.
Where can I use Banco Inter and Wise?
Banco Inter operates in 2 countries; 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.