M-PESA vs Wise
| M-PESA | Wise | |
|---|---|---|
| Free plan | No | Yes |
| Free trial | No | No |
| Paid from | — | Free |
| Open source | No | No |
| Platforms | iOS, Android | Android, iOS, Web |
| Mobile platforms | both | both |
| Scheduled transfers | Yes | Yes |
| Free plan | — | Yes |
| Recipient methods | — | bank |
| Transfer speed | — | instant |
| Exchange-rate model | — | mid_market |
| Upfront fee display | — | Yes |
| Transfer tracking | — | Yes |
Both are listed in Best Money Transfer Apps, Best Digital Wallets, Best Peer-To-Peer Payment Apps. On The Finance Base, Wise scores higher on our published basis.