Copilot Money vs Wise
Which is better in 2026? Five scores, side by side.
Copilot Money is the better app overall, scoring 8.9 to 8.6. Copilot Money wins on 3 of the 5 scores, Wise on 2.
iPhone and Mac users who want a polished, low-effort spending tracker
Travelers, expats and freelancers who send or receive money across borders
Score by score
The details
| Feature | Copilot Money | Wise |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #3 of 12 | #5 of 12 |
| Developer | Copilot Money, Inc. | Wise Payments Ltd |
| Pricing | Subscription | Free |
| Usable for free | No | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | — | ✓ |
| Mac | ✓ | — |
| Web | ✓ | ✓ |
Common questions
Is Copilot Money better than Wise?
Copilot Money is the better app overall, scoring 8.9 to 8.6. Copilot Money wins on 3 of the 5 scores, Wise on 2.
Which is cheaper, Copilot Money or Wise?
Copilot Money: 1-month free trial, then $13/month or $95/year. Wise: No monthly fee; pay per conversion or transfer, from 0.23%; US card costs $9 once. On value for money, Wise scores higher.
Do Copilot Money and Wise work on the same devices?
Only Copilot Money runs on Mac. Only Wise runs on Android.
Which is more private, Copilot Money or Wise?
Copilot Money scores higher on privacy (8.8/10). App Store label links financial info, coarse location, contact info, user content and usage data to you; crash data is not linked. No tracking is declared, and two-factor sign-in arrived in 2026.
Strengths and weaknesses
Copilot Money
- Best-in-class design that makes reviewing spending pleasant
- Categorization improves as you correct it
- Cheaper than Monarch or YNAB at $95 a year
- No Android app, and the web app lacks some native features
- Subscription only, with no free plan
Copilot Money is the best-looking finance app on Apple devices, and now it works in any browser too. It sorts transactions with categorization that learns from your corrections, tracks investments, crypto and recurring bills, and shows where your month is heading at a glance. A beta money assistant suggests fixes that you approve. The catch: there is still no Android app, and no free plan once the trial ends.
Full Copilot Money review
Wise
- Fees and exchange rate shown before you send
- Hold, convert and spend many currencies in one account
- Wise says 77% of transfers now arrive instantly
- Not a full bank, so no loans or overdrafts
- Card, interest and account features vary by country
- App Store label shows data used for tracking
Wise is the easiest way to move money across borders without losing a chunk to poor exchange rates. It uses the mid-market rate and shows its fee upfront, so you know exactly what arrives. The multi-currency account, debit card and jars make travel and freelancing simpler, and in some countries your balance can now earn interest. It is not a full bank, though, and fees on less common routes add up.
Full Wise review
