Wise vs SmartFolio
Which is better in 2026? Five scores, side by side.
Wise is the better app overall, scoring 8.7 to 8.5. Wise wins on 3 of the 5 scores, SmartFolio on 2.
Travelers, expats and freelancers who send or receive money across borders
Dividend and long-term investors who want a private, free portfolio view
Score by score
The details
| Feature | Wise | SmartFolio |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #4 of 10 | #6 of 10 |
| Developer | Wise plc | The Big Head |
| Pricing | Free | Free |
| Usable for free | Yes | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | ✓ | — |
| Web | ✓ | — |
Strengths and weaknesses
Wise
- Fees and exchange rate shown before you send
- Hold and convert dozens of currencies
- Fast transfers on most popular routes
- Not a bank, so it lacks loans and overdrafts
- Card and account features vary by country
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 and debit card make travel and freelancing simpler. It is not a bank, though, and fees on large or unusual currency routes can add up.
Full Wise review
SmartFolio
- Free with no ads, no account and no in-app purchases
- Your data never leaves your iPhone or iPad
- Clear history of every trade, even after you sell
- No automatic broker sync, so updates mean re-importing
- iPhone and iPad only
SmartFolio is a portfolio tracker that keeps everything on your device. You import trade history from a long list of brokers or a spreadsheet, then see every buy, sale and dividend per holding, time-weighted returns and expected income. There is no account and no bank connection, which is great for privacy but means imports are manual. For dividend investors who want a free, private overview, it is a strong pick.
Full SmartFolio review
