WeBank vs Wise.
WeBank (W76/100) 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. A close tie.
| W WeBank №18 · CBI 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 | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank CBI | E-money inst. FCA |
| Deposit guarantee Per depositor | €500,000 CN.PBoC-DIS | 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 | 4.5 ★ iOS 4.6 · And 4.5 | 4.5 ★ iOS 4.7 · And 4.2 |
| Read review → | Read review → | |
Pick WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS 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 2 of 4
- Best for protection WeBank won 2 of 2
- Best for reach Wise won 1 of 3
- Best for ux Tied
WeBank vs Wise — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is WeBank better than Wise?
WeBank and Wise are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: WeBank 76/100 vs Wise 68/100. The right pick depends on which dimension you weight most heavily.
Is WeBank or Wise cheaper?
Monthly fee — WeBank: €0; Wise: €0. Card FX markup — WeBank: 1.00%; 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, WeBank or Wise?
WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. Wise holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. WeBank is the stronger pick on regulatory protection.
Where can I use WeBank and Wise?
WeBank 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.