Wise vs Torba Split

16 million+ customers send, receive, spend and grow their money internationally with Wise. It’s the fast, simple way to move money in 145+countries and 45+ currencies. Products available depend on where you live. Check wise.com or download the app to see what’s available for you. — International money transfers — • Send money to 70+ countries, fast • Get the mid-market exchange rate, for every money transfer • Over 65% of transfers are instant, arriving in under 20 seconds (transaction speed claimed depends on individual circumstances and may not be available for all transactions) • Secure your transfers with two-factor authentication, encryption and biometrics — The Multi-Currency Card that’s always got the right currency — • Spend or withdraw cash in more than 160 countries • If you don’t have the local currency, we’ll auto-convert what you have with the lowest possible price • Freeze and unfreeze your card, and update your digital card details — Get paid like a local — • Get your own UK account number and sort code, European IBAN, Australian account details and more, as if you had local bank accounts around the world • Use these account details to get paid in multiple currencies for free, and for direct debits • Keep up-to-date with instant push notifications for every transaction — Hold 40 currencies and convert between them instantly — • No monthly fee and no maintenance fee to keep money in your account, in most cases • Convert between currencies instantly, at the mid-market exchange rate, for a super-low fee • Auto-convert currencies at specific rates, and keep up to date with exchange rates with Rate Alerts — A better business account for going global — • Pay invoices and bills faster, at a better exchange rate • Use account details to get paid by clients and customers around the world • Connect to supported platforms like Amazon, Stripe, Xero, and more Wise is regulated by local authorities around the world. Wise is a Money Service Business (“MSB”“) registered with FinCen, not an FDIC-insured bank. It is authorized to operate as a MSB in most states. In other states, the MSB program is sponsored by Community Federal Savings Bank, to which we’re a service provider. The Wise Multi-Currency Card Program is issued by Wise’s sponsor Bank(s)*, member(s) FDIC. pursuant to licensing by Visa® U.S.A. Inc. The Wise Multi-Currency Card is available to eligible consumers and commercial entities. Not available in all countries. Fees vary based on type of transaction. T&C apply. Find more info at https://wise.com/us/ *Lead Bank and Community Federal Savings Bank. Capital at risk. Past performance does not guarantee future growth. Interest is an investment service, availability and provider vary by location. Please check Wise.com/interest for more information. Send to: EUR (Euro), USD (US dollar), GBP (British pound), AED (UAE dirham), ARS (Argentine peso), AUD (Australian dollar), BDT (Bangladeshi taka), BGN (Bulgarian lev), BRL (Brazilian real), CAD (Canadian dollar), CHF (Swiss franc), CLP (Chilean peso), CNY (Chinese yuan), CRC (Costa Rican colón), CZK (Czech koruna), DKK (Danish krone), EGP (Egyptian pound), GHS (Ghanaian cedi), GEL (Georgian lari), HKD (Hong Kong dollar), HUF (Hungarian forint), IDR (Indonesian rupiah), ILS (Israeli shekel), INR (Indian rupee), JPY (Japanese yen), KES (Kenyan shilling), KRW (South Korean won), LKR (Sri Lankan rupee), MAD (Moroccan dirham), MXN (Mexican peso), MYR (Malaysian ringgit), NPR (Nepalese rupee), NOK (Norwegian krone), NZD (New Zealand dollar), PEN (Peruvian sol), PHP (Philippine peso), PKR (Pakistan rupee), PLN (Polish zloty), RON (Romanian leu), SEK (Swedish krona), SGD (Singapore dollar), THB (Thai baht), TRY (Turkish lira), UAH (Ukrainian hryvnia), VND (Vietnamese dong), ZAR (South African rand), ZMW (Zambian kwacha)

Torba Split – The Easiest Way to Split Expenses Torba Split makes cost-sharing effortless for groups, friends, and families. Whether you're traveling, living with roommates, dining out, or managing shared expenses, Torba Split helps you keep track of who paid for what and who owes whom—without the hassle of spreadsheets or mental math. Why Choose Torba Split? * Works on all your devices. – Access your expenses anytime, anywhere. * Simple & Fast – Add expenses in seconds, split costs instantly, and see balances at a glance. * Multiple Split Options – Divide equally, by percentage, or custom amounts based on each person's share. * Group Expense Tracking – Create groups for trips, roommates, or any shared spending. Everyone stays in sync. * Smart Balances – See who owes what and settle up easily with minimal transactions. * Offline Mode – Log expenses even without an internet connection. Sync when you're back online. * Secure & Private – Your data is stored securely with encrypted syncing. Ditch the stress of money management in groups. With Torba Split, keeping track of shared expenses has never been easier. Download now and simplify cost-splitting today!