Wise Alternatives That Make Payment Faster and Currency Conversion Simple

The Best Wise Alternatives for Lower International Fees and Digital Payments

Sending money across borders, handling currency conversion, and making digital payments have never been easier than it is today. Wise is often the first platform people think of when it comes to low international fees and transparent transfers. But if you’re managing more than personal transfers, say you run ad campaigns, pay vendors, or handle multiple subscriptions, you may need more than what Wise offers.

That’s where platforms like Bycard, Revolut, Payoneer, Adpos, and Airwallex step in. They provide tools like campaign-specific virtual cards, ad platform integration, and expense controls, features Wise doesn’t fully cover. For advertisers, agencies, and businesses that can’t afford failed payments or hidden fees, these platforms open up more reliable and flexible ways to manage money globally.

Why Look Beyond Wise?

Wise built its reputation on two things: transparent currency conversion and low international fees. You can hold multiple currencies, send money abroad at the mid-market rate, and avoid the heavy markups that banks often charge.

But here’s the catch, Wise shines at transfers, not necessarily at managing digital payments tied to ad platforms, recurring subscriptions, or campaign-specific budgets. It has limited virtual card features and doesn’t offer spend controls that advertisers often need.

If you’re running a business where every failed transaction or hidden currency conversion cost matters, you’ll want to look at platforms that go beyond Wise’s core offering.

Revolut: Banking Meets Digital Payments

Revolut is often positioned as more than just a Wise alternative. It’s a digital bank that combines multi-currency accounts, currency conversion, and virtual card solutions for both individuals and businesses.

Pros:

Cons

• FX markups on weekends can make currency conversion more expensive
• Tiered pricing can feel complicated if you mainly need virtual cards

Where Bycard differs:

Revolut is strong for general banking, but Bycard is designed for businesses making campaign-level digital payments. Each virtual card can be tied to a campaign or vendor, helping you avoid failed payments and unpredictable international fees.

Payoneer: Cross-Border Payments for Freelancers and Businesses

Payoneer is popular among freelancers, agencies, and global marketplaces. Like Wise, it focuses heavily on international transfers and low currency conversion barriers.

Pros

Cons

• International fees and conversion charges can add up over time
• Not designed for campaign-level digital payments

Why Bycard stands out:

While Payoneer helps with global transfers, Bycard lets you issue multiple virtual cards for campaigns, subscriptions, or vendors. That means fewer failed transactions, better visibility into your digital payments, and less stress over hidden currency conversion costs.

Adpos is one of the few Wise alternatives built specifically for advertisers. It provides virtual card solutions for media buyers and campaign managers who need precision in their digital payments.

Pros

• Campaign-focused virtual cards with spend caps
• Budget tracking for ad spend
• Helps reduce international fees by assigning one card per campaign

Cons

• Limited features outside advertising
• No multi-currency currency conversion suppor

Bycard’s stand out:

Bycard builds on Adpos’ model but offers more flexibility. Alongside virtual cards and ad spend tracking, Bycard supports crypto top-ups, multi-currency conversion, and integration with platforms like Facebook, TikTok, and Google Ads. For businesses managing diverse digital payments, it’s a more versatile solution than Adpos.

Airwallex is designed for large businesses with international operations. It’s one of the more powerful Wise competitors, offering advanced digital payment and treasury tools.

Pros

Cons

• Too complex for small teams or individuals
• Less campaign-level flexibility compared to Bycard

Where Bycard wins:

For advertisers or small businesses, Bycard is faster to adopt. It provides instant virtual cards, per-campaign limits, and real-time alerts without the enterprise-level complexity (or international fees) that sometimes come with Airwallex.

Bycard: Virtual Cards for Advertisers and Agencies

Bycard isn’t just another Wise alternative; it’s a virtual card and spend management system designed to keep digital payments smooth and reliable. Bycard helps you avoid unnecessary international fees. Every virtual card is tied to the exact campaign, vendor or subscription you choose, so there’s no guesswork. Instead of worrying about hidden international fees or failed subscriptions, you get predictability. Bycard makes sure every digital payment goes through, every currency conversion is clear, and every virtual card is tied to exactly where you need it.

Key features:

• Instant virtual card issuance (Visa/Mastercard)
• Multi-currency support and transparent currency conversion
• Crypto top-ups for flexible digital payments
• Merchant-lock per card and spend caps
• Ad platform integration (Facebook, TikTok, Google Ads)
• Real-time alerts, reconciliation and reporting

Platform	Main use	Virtual card	Currency conversion	Digital payments	International fees
Wise	Transparent transfers	Limited	Yes	Limited	Low but not always predictable
Bycard	Campaign & subscription spend	Yes	Yes	Strong	Transparent & controlled
Revolut	Digital banking + spending	Yes	Yes	Strong	Can rise on weekends
Payoneer	Freelancers & marketplaces	Yes	Yes	Moderate	Adds up for high-volume use
Adpos	Ad spend management	Yes	No	Focus on ads	Lower for campaign use
Airwallex	Enterprise finance	Yes	Yes	Enterprise level	Depends on plan

Important Factors to Consider When Choosing a Wise Alternative

1. International fees: Even small fees add up quickly when you’re making frequent digital payments across borders. What looks like “just a few dollars” can turn into hundreds over time.
2. Currency conversion: Transparent rates are critical. Some providers promise low costs but hide extra markups in the exchange rate.
3. Virtual card availability: The ability to issue multiple virtual cards for each campaign, vendor, or subscription makes tracking and reconciliation far easier. Bycard takes this further with campaign-specific cards for Facebook, TikTok, LinkedIn and Google Ads, ensuring your ad spend is never interrupted.
4. Digital payment reliability: A failed transaction can pause an ad campaign or delay vendor payments, which can be far more damaging than a small fee. Bycard’s dedicated ad platform VCCs are designed to keep those payments flowing smoothly.
5. Scalability: The right platform should fit your needs today while supporting growth tomorrow. Bycard supports multi-currency balances, crypto top-ups, and advanced controls, so you don’t have to switch providers as your business expands.