{"slug": "wise", "name": "Wise", "category": "finance", "category_name": "Finance", "description": "", "recommenders": 3, "commenters": 3, "warners": 0, "score": 2.713, "rising": -0.98, "first": "2026-02-19", "latest": "2026-07-25", "why": "I use Wise often to move money between USD, EUR, and AUD, and it plugs right into my US credit union and brokerage accounts.", "why_is_quote": true, "has_verdict": false, "sentiment": {"recommend": 3, "neutral": 0, "compare": 0, "warn": 0}, "spark": [0, 0, 0, 1, 0, 0, 0, 1, 1, 0, 0, 0], "listed": true, "loved": [], "caveat": "", "short_quote": "I use Wise often to move money between USD, EUR, and AUD, and it plugs right into my US credit union and brokerage accounts.", "icon": true, "domain": null, "github_repo": null, "official_url": "https://wise.com", "pricing": "", "aliases": ["Wise"], "verdict": null, "praise": [{"label": "", "summary": "", "quotes": [{"id": 784752480, "item_id": 49047030, "url": "https://news.ycombinator.com/item?id=49047030", "by": "nh2", "date": "2026-07-25", "stance": "recommend", "quote": "Wise in the UK currently is good.", "excerpt": "Wise in the UK currently is good. You can use it completely without a phone app. It also has good support for passkeys, TOTP, and SMS OTP, allowing to add multiple of each as it should be. If you do choose the Wise app, it currently warns when you run a custom Android ROM, but let's you use it. Our company also uses Revolut business, but that requires a phone app to verify online payments with cards. And Revolut rece", "context": "runs a company in the UK, uses custom Android ROM", "use_case": "banking without phone app", "switched_from": "Revolut", "story": "Android May Soon Restrict On-Device ADB"}, {"id": 778315056, "item_id": 48644691, "url": "https://news.ycombinator.com/item?id=48644691", "by": "toomuchtodo", "date": "2026-06-23", "stance": "recommend", "quote": "I use Wise often to move money between USD, EUR, and AUD, and it plugs right into my US credit union and brokerage accounts.", "excerpt": "I use Wise often to move money between USD, EUR, and AUD, and it plugs right into my US credit union and brokerage accounts. International transfers settle in under a minute to Australian and European bank accounts in my experience.", "context": "", "use_case": "international money transfers", "switched_from": "", "story": "Crypto in 2026: Oh, This Is the Bad Place"}]}], "caveats": [], "who": [{"by": "nh2", "context": "runs a company in the UK, uses custom Android ROM", "url": "https://news.ycombinator.com/item?id=49047030", "date": "2026-07-25"}], "tags": [], "use_cases": ["banking without phone app", "international money transfers"], "compared": [{"slug": "revolut", "name": "Revolut", "co": 1, "switched_from": 1, "switched_to": 0}], "makers": [], "threads": [{"url": "https://news.ycombinator.com/item?id=49045159", "title": "Android May Soon Restrict On-Device ADB", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=48642699", "title": "Crypto in 2026: Oh, This Is the Bad Place", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=47076215", "title": "Ask HN: What are the nicest apps you use day to day?", "mentions": 1}], "sentiment_by_month": {"2025-11": {}, "2025-12": {}, "2026-01": {}, "2026-02": {"recommend": 1}, "2026-03": {}, "2026-04": {}, "2026-05": {}, "2026-06": {"recommend": 1}, "2026-07": {"recommend": 1}, "2026-08": {}, "2026-09": {}, "2026-10": {}}, "quotes": [{"id": 784752480, "item_id": 49047030, "url": "https://news.ycombinator.com/item?id=49047030", "by": "nh2", "date": "2026-07-25", "stance": "recommend", "quote": "Wise in the UK currently is good.", "excerpt": "Wise in the UK currently is good. You can use it completely without a phone app. It also has good support for passkeys, TOTP, and SMS OTP, allowing to add multiple of each as it should be. If you do choose the Wise app, it currently warns when you run a custom Android ROM, but let's you use it. Our company also uses Revolut business, but that requires a phone app to verify online payments with cards. And Revolut rece", "context": "runs a company in the UK, uses custom Android ROM", "use_case": "banking without phone app", "switched_from": "Revolut", "story": "Android May Soon Restrict On-Device ADB"}, {"id": 778315056, "item_id": 48644691, "url": "https://news.ycombinator.com/item?id=48644691", "by": "toomuchtodo", "date": "2026-06-23", "stance": "recommend", "quote": "I use Wise often to move money between USD, EUR, and AUD, and it plugs right into my US credit union and brokerage accounts.", "excerpt": "I use Wise often to move money between USD, EUR, and AUD, and it plugs right into my US credit union and brokerage accounts. International transfers settle in under a minute to Australian and European bank accounts in my experience.", "context": "", "use_case": "international money transfers", "switched_from": "", "story": "Crypto in 2026: Oh, This Is the Bad Place"}, {"id": 753223507, "item_id": 47076469, "url": "https://news.ycombinator.com/item?id=47076469", "by": "andsoitis", "date": "2026-02-19", "stance": "recommend", "quote": "", "excerpt": "Oura, Netflix, Brain.fm, Wise, Tidal, Claude, Safari, WhatsApp", "context": "", "use_case": "", "switched_from": "", "story": "Ask HN: What are the nicest apps you use day to day?"}]}