# Wise vs かぎんPayB

The clearest difference is update cadence: Wise at every 2 days against かぎんPayB's every 8 months. Wise also leads on chart position (#54 vs unranked). かぎんPayB's advantage is monetization model (free vs free with in-app purchases) and review sentiment (77% vs 68%). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Wise ships an update every 2 days, かぎんPayB every 8 months. The most recent releases landed on November 2, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | Wise | かぎんPayB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (113K ratings)](https://appshunter.io/ios/app/wise-global-money-transfer/id612261027/reviews)** | — |
| Number of ratings | **113K** | — |
| Positive reviews | 67.5% of reviews | **76.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 days** | Every 8 months |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#54** | — |
| Size | 507 MB | 2 MB |
| Requires iOS | 17.0 | **16.0** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Wise Payments Ltd](https://appshunter.io/developer/612261170) | [鹿児島銀行](https://appshunter.io/developer/940328962) |

## What reviewers say

### Wise

[App page](https://appshunter.io/ios/app/wise-global-money-transfer/id612261027)

**Currently charting:** #54 Top Free · Finance (US App Store)

Manage your money internationally with ease. Send, receive, spend, and hold multiple currencies with competitive exchange rates and low fees. Get local bank details for global payments and a multi-currency card for spending worldwide.

**Highlights:** International money transfers, Mid-market exchange rates, Multi-currency card, Local bank account details, Hold and convert 40 currencies, Business account features

**Features:** Apple Wallet, Vision Pro support, iPhone Duo support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient transfers
- 💰 Competitive exchange rates and low fees
- 🌍 Convenient for international money transfers
- 👍 Easy to use app
- 🔒 Secure transactions

**What reviewers complain about**

- 🕰️ Slow or delayed transfers in some cases
- 🤔 Unclear or confusing account verification process
- 🔐 Security issues with account deactivation and fund recovery
- 📞 Poor responsiveness of customer support
- 💳 Issues with debit/credit card payments and top-ups

**Reported bugs**

- App freezing or crashing during transfers
- Inconsistent display of transfer timelines and estimates
- Syncing issues between app and web platform
- Problems with account deactivation and fund recovery

**Requested features**

- Ability to download transaction receipts
- Option to set default payment currency
- Improved notification system for transfer status updates
- Multicurrency account management features
- Seamless integration with banking apps and services


### かぎんPayB

[App page](https://appshunter.io/ios/app/payb/id1349075508)

Link your Kagoshima Bank account to pay bills and make purchases at PayB member stores. Settle utility bills, taxes, and more directly from your smartphone. Securely manage your payment history and customer information.

**Highlights:** Link multiple Kagoshima Bank accounts, Cashless payments at PayB stores, Pay utility bills and taxes, View payment history, Secure customer information management

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Wise free?

Wise is free to download, with no in-app purchases.

### Is かぎんPayB free?

かぎんPayB is free to download, with no in-app purchases.

### Do Wise or かぎんPayB have ads?

Neither Wise nor かぎんPayB shows ads.

### Which is updated more often, Wise or かぎんPayB?

Wise ships an update every 2 days, and かぎんPayB every 8 months. Most recently, Wise was updated on November 2, 2026 and かぎんPayB on October 29, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*