Meem vs Wise.
Meem (M74/100) 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. Wise leads Meem 5-3.
| M Meem №24 · SAMA 74 /100 | W Wise №42 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 74 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 /mo |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank SAMA | E-money inst. FCA |
| Deposit guarantee Per depositor | €200,000 SA.SAMA-DPS | Safeguarded GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 160 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.3 ★ 220k reviews |
| App store iOS + Android avg | 4.1 ★ iOS 4.2 · And 4.0 | 4.5 ★ iOS 4.7 · And 4.2 |
| Read review → | Read review → | |
Pick Meem if…
Digital banking arm of Gulf International Bank — one of the first KSA digital-only banking offerings (launched 2014). Sharia-compliant by structure (profit-share rather than interest). SA Deposit Protection cover via the GIB licence. Distinguishes itself vs. stc Bank by depth of wealth-management access through the GIB private-banking heritage.
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 Meem won 2 of 2
- Best for reach Wise won 1 of 3
- Best for ux Wise won 2 of 2
Meem vs Wise — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Meem better than Wise?
Under our v3 methodology, Wise leads Meem 5–3 across 12 dimensions. Composite scores: Meem 74/100 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 Meem or Wise cheaper?
Monthly fee — Meem: €0; Wise: €0. Card FX markup — Meem: 2.00%; 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, Meem or Wise?
Meem holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Meem is the stronger pick on regulatory protection.
Where can I use Meem and Wise?
Meem 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.