Home › Save › Money transfer apps › PayPal vs Wise
Both move money between people. Here's how PayPal and Wise compare on fees and what happens if something goes wrong.
| PayPal | Wise | |
|---|---|---|
| Instant transfer fee | 1.75% ($0.25 min, $25 max) | not found |
| Standard transfer | Free bank transfer | Fee varies by amount and currency (calculator on page) |
| Can you cancel a payment? | not found | not found |
| International | Yes (fees vary) | Yes |
Sources: PayPal page (checked 2026-10-12) · Wise page (checked 2026-10-12)
Instant transfer fee: PayPal 1.75% ($0.25 min, $25 max), Wise not found; Standard transfer: PayPal Free bank transfer, Wise Fee varies by amount and currency (calculator on page); Can you cancel a payment?: PayPal not found, Wise not found; International: PayPal Yes (fees vary), Wise Yes.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.