Wise vs Global66
short answerBoth are traditional neobanks. Wise is the larger platform (~19M users). Compare custody, license, FX markup and fees field by field below.
Wise: Mid-market-rate FX; 16M+ customers.
Global66: Cross-border multicurrency for LatAm.
Side by side
| Wise | Global66 | |
|---|---|---|
| Category | traditional | traditional |
| Audience | travel & digital nomads | travel & digital nomads |
| HQ | London, UK | Santiago, CL |
| Founded | 2011 | 2018 |
| Custody | Custodial | Custodial |
| Regulation | E-money institution | E-money institution |
| License detail | E-money/payment licenses globally | Prepaid-card e-money issuer license (CMF, Chile); cross-border FX via Global 81 SpA |
| Card | Visa/MC · Debit | MC · Debit |
| Cashback | — | — |
| Yield | Interest on balances (region) | Yield (region) |
| FX markup | Mid-market rate + conversion fee, typically ~0.33–1.5%; free if you hold the currency (2026-04) | — |
| Services | fiat pay-in (bank rails), fiat pay-out (bank rails), own IBAN / account no., multi-currency hold, virtual cards | — |
| Stablecoins | No | No |
| KYC | Yes | Yes |
| Regions | Europe, North America, Asia, Oceania, Latin America, Africa, MENA | Latin America |
| Reported users | 19M customers (FY26) | — |
go deeperFull profiles: Wise · Global66 — or run your own comparison of up to four in the directory.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.