Reseña de Wise 2026: ¿La mejor cuenta para transferencias internacionales en Europa?
🟡 Importante: Wise no es un banco
Wise es una entidad de dinero electrónico (EMI) , no un banco con licencia. Tus fondos están protegidos en cuentas separadas en bancos de primer nivel, pero no están cubiertos por el Sistema de Garantía de Depósitos de la UE . Esto significa que no hay garantía de 100 000 € si Wise se declara insolvente. Para saldos elevados, considera en su lugar un banco con licencia completa.
Descripción general
The global benchmark for transparent, low-cost international transfers — always at the real exchange rate with no hidden markups; 4.3/5 Trustpilot from 220K+ reviews confirms industry-leading trust
Características principales
- Hold and convert 40+ currencies at real mid-market exchange rate
- Local bank account details in 9 currencies (EUR, GBP, USD, AUD, NZD, CAD, SGD, HUF, RON)
- International Mastercard debit card — spend in local currency at no markup
- Send money to 160+ countries, starting from 0.43% fee
- Bulk payments (up to 1,000 at once) for business
- Free incoming transfers in supported currencies
- Interest-earning on GBP, EUR, and USD balances (Assets feature)
- Two free ATM withdrawals/month up to €200
Ventajas y desventajas
✅ Ventajas
- • Hold and convert 40+ currencies at real mid-market exchange rate
- • Local bank account details in 9 currencies (EUR, GBP, USD, AUD, NZD, CAD, SGD, HUF, RON)
- • International Mastercard debit card — spend in local currency at no markup
- • Send money to 160+ countries, starting from 0.43% fee
- • Bulk payments (up to 1,000 at once) for business
❌ Desventajas
- • Not a bank — e-money institution only; no lending, overdraft, or credit products
- • Funds safeguarded but not FSCS/DGS protected in the traditional sense
- • Accounts closed without clear reason for some business users
- • Fee increases on EUR/GBP conversions reported in 2025-2026
- • Some transfers 'paused' with funds temporarily unavailable
- • Belgian IBAN for EU business accounts can complicate local admin
Funciones de viaje
Comparar todos los bancos para viajar →Cambio de divisas
Sin recargoAlways mid-market rate (no markup). Fee is a transparent conversion cost from 0.43%. Cheapest FX globally for most currency pairs.
Cajero en el extranjero
200 € gratis/mes2 free ATM withdrawals/month up to €200 total. After limit: €1.50 flat + 1.75%. Wise debit card spends in local currency with no markup.
Seguro de viaje
Wise does not include travel insurance.
Sala VIP aeropuerto
No airport lounge access.
Multidivisa
Hold 40+ currencies; local bank details in 9 currencies. Ideal for receiving salary or payments in multiple countries.
Ventajas de viaje
- • Mid-market FX rate on every transaction globally
- • Hold 40+ currencies — no last-minute conversion at airport
- • Local bank details in 9 currencies for receiving income abroad
- • Transparent fees (no hidden markup) on all 160+ countries
- • Real-time spend notifications and security controls
Servicios: Cripto, inversión y ahorro
Criptomoneda
No disponibleWise no ofrece servicios de criptomonedas.
Inversiones
Disponible'Assets' feature invests idle balances in BlackRock money market funds or government bonds; available for GBP, EUR, USD
Comparar inversión en neobancos europeos →Ahorro
DisponibleMoney market / government bond yields; variable
Not a savings account — funds invested in money market funds. Not DGS protected.
Comparar tasas de ahorro en neobancos europeos →Banca empresarial
DisponibleContabilidad: Xero, QuickBooks, FreeAgent, Wave, Sage
Best for international payments and multi-currency businesses. 9 local bank details in different currencies. No monthly fee — pay per transfer. Not a full bank (EMI); no EDIS deposit protection, but funds are safeguarded. 16M+ personal + business customers.
Comparar todas las cuentas de empresa →Planes premium
Comparar planes premium de todos los bancos →- • Hold 40+ currencies at mid-market rate
- • Local bank details in 9 currencies
- • 2 free ATM withdrawals/month (up to €200)
- • Cheapest international transfers from 0.43%
- • Assets feature: earn interest on idle balances
| Característica | Personal Account Gratis ★ Mejor valor |
|---|---|
| Tarjeta metálica | — |
| Seguro de viaje | — |
| Sala VIP aeropuerto | — |
| Cajero gratis/mes | €200 |
| FX gratis/mes | — |
| Tasa de ahorro | ~3.20% EUR via Assets |
| Cashback | — |
| Mejores ventajas |
|
Nuestro veredicto
Wise es el referente mundial en transferencias internacionales: tipos de cambio reales, comisiones bajas a partir del 0,43 % y más de 220 000 reseñas en Trustpilot con una puntuación de 4,3/5. Es nuestra elección como «Mejor para transferencias internacionales ». Sin embargo, no es un banco. No lo utilices como cuenta principal para ahorros importantes; para eso, utiliza un banco de la UE con licencia completa.