Cash App vs Wise.
Cash App (C70/100) 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. Cash App leads Wise 4-3.
| C Cash App №31 · FDIC 70 /100 | W Wise №42 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /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 | Partner-bank FDIC | E-money inst. FCA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 160 countries |
| Crypto Coins available | 1 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 1.6 ★ 50k reviews | 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 Cash App if…
The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.
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 Cash App won 1 of 2
- Best for reach Tied
- Best for ux Tied
Cash App vs Wise — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cash App better than Wise?
Under our v3 methodology, Cash App leads Wise 4–3 across 12 dimensions. Composite scores: Cash App 70/100 vs Wise 68/100. Cash App is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Cash App or Wise cheaper?
Monthly fee — Cash App: €0; Wise: €0. Card FX markup — Cash App: 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, Cash App or Wise?
Cash App holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Cash App is the stronger pick on regulatory protection.
Where can I use Cash App and Wise?
Cash App 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.