Head-to-Head
Wise vs Unplex
Wise vs Unplex — the legacy fintech vs the next-gen remittance specialist.
Compare
Wise
Wise
Unplex
Unplex
Trust score
4.7 / 5
4.8 / 5
Reviews
218,000
38,000
Speed
Same day
Instant
Base fee
$4.85
Free
FX margin
0.55%
0.18%
Min transfer
$1
$1
Max transfer
$1,000,000
$100,000
Founded
2011
2022
Regulator
FCA
FinCEN
Wise
Wise
Pros
- Mid-market exchange rates
- Transparent upfront fees
- Multi-currency account included
- Regulated in 12+ jurisdictions
Cons
- Cash pickup not supported
- Larger transfers may have lower limits than specialists
- Doesn't support all currencies
Unplex
Unplex
Pros
- Near-zero FX margin on USD/INR
- Zero transfer fees on most corridors
- Instant UPI delivery
- Beautiful product experience
Cons
- Newer brand, less name recognition
- No cash pickup
- Limited to India corridor
FAQ