Updated September 28, 2026 · SumCue Editorial Team
Wealthfront vs Wise
Wealthfront
Higher score in this comparison
Wise
Wealthfront vs Wise: the differences
| Compare | WealthfrontReviewSee alternativesSee alternatives | WiseReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 3.55% to 4.45%Higher | 3.29% |
| Deposit protection | FDIC up to USD 250,000 | EU DGS up to EUR 100,000 |
| Access terms | Free 24/7 instant withdrawals, withdraw any time with no fees | Instant access to money and gains; transfer up to 100,000 GBP (Personal) daily without delay |
| Monthly fee | $0 | £0 |
| Minimum deposit | $1 | Not confirmed |
| Regulators | SIPC | Not confirmed |
Same on both: Rate type (Variable), Account kind (Cash management).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Wise is licensed in 2 more countries.
- Wise is available in 3 more countries.
- Headline rate is higher at Wealthfront: 3.55% to 4.45% vs 3.29%.
- Support channels: only Wise offers Chat.
- Pricing model: only Wealthfront offers Commission free.
- Pricing model: only Wise offers No annual fee.
Our verdict on each
Wealthfront
Wealthfront suits US savers who want automated investing and a cash account in one place, with a management fee of 0.25% and no dealing charge on stocks. Costs stay low against robo rivals, though the accounts serve the US market only.
Wise
Wise suits people who hold several currencies and convert often, pairing a monthly fee of £0 with a conversion fee of 0.1% and interest of 3.29% on the balance. The weak spot is cash: free ATM withdrawals stop at £250 and the card ranks 10 of 124 on that measure.
Score breakdown
| Area | Wealthfront | Wise |
|---|---|---|
| Cost | 9.1Management fee of 0.25% on robo portfolios, $0 for commission-free share dealing, $0 and $0 on cash | 9.3HigherA monthly fee of £0 and a conversion fee of 0.1% keep running costs low, and the monthly fee ranks 1 of 422. |
| Offer | 9.4 | 9.8HigherInterest of 3.29% at a variable rate, a debit card, free ATM withdrawals of £250 and support on email, chat and phone. |
| Trust | 9.1Higher | 8.7 |
Which one suits you
Pick Wealthfront if trust and headline rate matter most.
Pick Wise if offer matter most.
Also worth a look
Finom has headline rate at 5%, against 3.55% to 4.45% for Wealthfront and 3.29% for Wise.
Finom reviewHow they place
| Ranking | Wealthfront | Wise |
|---|---|---|
| Savings | 321 of 1492 | 324 of 1492 |
| Savings accounts | 216 of 658 | 218 of 658 |
| Cash management accounts | 10 of 46 | 11 of 46 |
Every fact side by side
| Fact | Wealthfront | Wise |
|---|---|---|
| Pricing model | Commission free | No annual fee |
| Legal entity | WEALTHFRONT BROKERAGE LLC | Wise Europe SA |
| Headquarters | United States | Belgium |
| Founded | 2011 | 2011 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Brokers
| Fact | Wealthfront | Wise |
|---|---|---|
| Stock trade fee | $0 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Bonds, Funds | Not confirmed |
| Investor protection | SIPC up to USD 500,000 | Not confirmed |
| Features | Fractional shares, Mobile app | Multi currency, Travel |
| Audience | Beginners | Business, Kids |
| Currency conversion fee | Not confirmed | 0.1% |
| Deposit and withdrawal fees | Free instant withdrawals | Not confirmed |
| Platforms | Web, iOS app, Android app | Not confirmed |
| Account types | IRA, Roth IRA, Joint | Not confirmed |
| Interest on cash | 3.55% | Not confirmed |
Credit cards
| Fact | Wealthfront | Wise |
|---|---|---|
| Annual fee | Not confirmed | £0 |
Where each stands against the rest
| Fact | Wealthfront | Wise | Median |
|---|---|---|---|
| Headline rate | 3.55% to 4.45%above the median | 3.29%below the median | 3.3 |
| Minimum deposit | $1above the median | Not confirmed | $0 |
Median across 710 listed providers.
Pros and cons
Wealthfront
Pros
- Management fee of 0.25% sits below the site median of 0.35%
- Commission-free share dealing at $0, with fractional shares in the app
- Cash account with a variable rate, a monthly fee of $0 and free instant withdrawals
Cons
- A management fee of 0.25% still applies, so returns are capped by cost
- The managed portfolio needs a minimum investment of $500
- Markets cover stocks, etfs and bonds, with no derivatives or share dealing outside listed asset types
Wise
Pros
- The monthly fee on the cash management account is £0, level with bunq at €0 and Varo Believe Secured Credit Card at $0, so nothing is given away on the standing charge.
- A currency conversion fee of 0.1% sits well under the site median of 1%, and the account can hold 40 currencies at the same time.
- Idle balances earn 3.29% at a variable rate while staying available, which bunq and Varo Believe Secured Credit Card do not offer in the same form.
Cons
- The free ATM allowance of £250 ranks 10 of 124, so heavy cash users get less than many rivals.
- The conversion fee of 0.1% is not free: Starling Personal Account Debit Card lists 0% on its travel card, which costs less for people who only spend abroad.
- The rate is variable, so the 3.29% earned on the balance can move instead of staying put for a set period.
Who each suits
Wealthfront
Who it suits
- US beginners who want automated portfolios set up with a minimum investment of $500
- Savers who want a variable-rate cash account with 3.55% and free instant withdrawals
- IRA holders, since account types include ira, roth ira and joint
Who should look elsewhere
- eToro, where the management fee is 0% and the focus is trading rather than managed portfolios
- Axos Invest, where the minimum investment is $100 and the range sits in a robo portfolio
- Empower Personal Dashboard, where the management fee is 0%
Wise
Who it suits
- People paid in a single currency and spending in another, since the conversion fee is 0.1% and 40 currencies can be held side by side.
- Travellers who want a debit card with a monthly fee of £0 and interest of 3.29% left in the account.
- Households running accounts for business and kids.
Who should look elsewhere
- Starling Personal Account Debit Card, which lists 0% on its travel card, suits spenders who would rather pay no conversion charge than 0.1%.
- Varo Believe Secured Credit Card is a secured credit card at $0 a month, so it answers a credit building need rather than a debit card that pays interest.
- bunq, which also charges €0 a month, gives no reason to move on price alone, so the 0.1% conversion fee and the £250 cash allowance are what separate the two.
Current offers
Wealthfront
Current offer
Bonus
Cash Account APY Boost: up to 4.45% APY (3.55% base APY as of 09/18/2026)
APY Boost applies up to a $150,000 balance; 3.55% base APY as of 09/18/2026, provided by program banks and subject to change; funds held at program banks
Source, checked September 26, 2026
Country by country
| Country | Wealthfront | Wise |
|---|---|---|
| Belgium | No | Yes |
| Cyprus | No | Yes |
| Lithuania | No | Yes |
| United Kingdom | No | Yes |
| United States | Yes | No |
Questions about each
Wealthfront
What does Wealthfront charge to manage my money?+
The advisory fee is 0.25% a year on automated portfolios, which sits below the site median of 0.35%. Self-directed share dealing is separate and commission-free at $0. There is no separate account charge, with an account fee of $0.
How much do I need to start investing?+
The managed portfolio needs a minimum investment of $500. If you would rather pick shares yourself, buying starts from a minimum deposit of $1. Fractional shares are offered in the app, so a small sum can still be spread.
Wise
What does the account cost to run?+
The monthly fee on the cash management account is £0, and the pricing runs on the no annual fee model, so there is no separate annual charge. bunq sits at €0 and Varo Believe Secured Credit Card at $0, so Wise competes on conversion pricing and the interest paid on the balance rather than on the standing fee.
How much does it cost to convert currency?+
The currency conversion fee is 0.1%, and the account can hold 40 currencies at once, so money can sit in the currency you are paid in and convert only when you spend. Starling Personal Account Debit Card lists 0% on its travel card, so a reader who never converts pays less there.
Other options to compare
Other matchups
Wealthfront
Wise