Wise vs AngelList Stack.
Wise (W68/100) and AngelList Stack (A66/100), 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 AngelList Stack 6-1.
| A AngelList Stack №44 · FDIC 66 /100 | W Wise №42 · FCA 68 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 66 /100 | 68 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | $0 /mo | €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 | 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 | — | 4.5 ★ iOS 4.7 · And 4.2 |
| Read review → | Read review → | |
Pick AngelList Stack if…
The integrated startup stack — incorporation + EIN + banking + cap table + payroll in one flow. Built specifically for pre-Series-A founders using AngelList Venture for SAFE management. Reduces the typical Stripe Atlas + Mercury + Carta setup time from 2-3 weeks to a single guided flow. Partner-bank fintech for the banking leg; the integration value is the moat, not the bank product itself.
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 AngelList Stack won 1 of 2
- Best for reach Wise won 2 of 3
- Best for ux Wise won 2 of 2
Wise vs AngelList Stack — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is AngelList Stack better than Wise?
Under our v3 methodology, Wise leads AngelList Stack 6–1 across 12 dimensions. Composite scores: AngelList Stack 66/100 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 AngelList Stack or Wise cheaper?
Monthly fee — AngelList Stack: $0; Wise: €0. Card FX markup — AngelList Stack: 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, AngelList Stack or Wise?
AngelList Stack 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. AngelList Stack is the stronger pick on regulatory protection.
Where can I use AngelList Stack and Wise?
AngelList Stack 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.