About Wise

Wise, formerly known as TransferWise, is a British financial technology company founded in 2011. It is focused on global money transfers and offers a multi-currency account to help individuals and businesses manage their money across borders.

Wise’s core mission is to make international money transfers cheap, fair, and simple by offering the mid-market exchange rate (the rate you see on Google) and transparent, low fees. Their main products include:

  • Wise Account: An international account for sending, spending, and converting money like a local, often with an associated debit card.
  • Wise Business: A global business account for cross-border money transfers, multi-currency accounts, and team finance management.
  • Wise Platform: A platform that allows banks and businesses to integrate Wise’s technology to offer transparent cross-border money management to their customers.

Wise Affiliate Program Overview

The Wise Partnership/Affiliate program allows individuals and businesses with an online presence to earn a commission for referring new customers who complete a cross-currency transaction. It is a way for publishers and creators to monetize their audience by promoting Wise’s cost-saving and transparent financial services.

Feature Details
Industry FinTech (Financial Technology), Financial Services, International Money Transfer, Payments
Product Type Financial Services (International Money Transfers, Multi-Currency Accounts, Business Accounts, Debit Cards)
Affiliate Program Type Cost Per Action (CPA) / Pay-Per-Sale (PPS) – Paid for a new customer who makes a cross-currency transaction.

Wise Affiliate Program Offers

The Wise Affiliate program provides resources to help partners promote their services effectively.

Feature Details (Based on publicly available information)
Promotional Materials Partner resources, unique tracking links, tips on best promotion strategies (often including banners, widgets, and API access for comparison sites).
Affiliate Cookie Duration Lifetime Cookie Window (Indicated in some public sources, meaning commission is earned no matter how long it takes for the referred user to make their first transaction after clicking the link).
Accepted Traffic Sources Websites, blogs, emails, YouTube, and social media platforms (must be approved by Wise).
Accepted Countries Operates in 70+ countries, with specific accepted countries for the affiliate program based on Wise’s review of the applicant’s audience.
Explicit Content Not explicitly stated in general public terms, but the Affiliate Agreement generally prohibits content that breaches standard terms of use or Wise’s Acceptable Use Policy. Typically, financial programs prohibit explicit/adult content.
Religious or Political Content Not explicitly stated, but the Affiliate Agreement prohibits content that may “discredit the name and brand of Wise.” Financial programs generally have strict rules against contentious political or religious content.

Wise Affiliate Commissions & Payments

The commission structure for the Wise affiliate program is based on the CPA model, rewarding partners for valuable customer actions.

Feature Details (Based on general affiliate program data and Wise practices)
MLM (Multi-Level Marketing) No. The program is a standard affiliate program where you earn commissions for direct referrals, not through a multi-tier downline structure.
Commission Rate Varies. Often a flat fee per conversion (new customer making a cross-currency transaction) or a tiered rate depending on the volume/type of customers referred (e.g., higher rates for clients who transfer large amounts of money). Some sources indicate a starting rate around 2.4% per sale (conversion).
Commission Structure CPA (Cost Per Action)—Commission is paid for a specific action, such as a new customer making their first cross-currency transfer.
Payout Frequency Typically Monthly (Net-30 or similar), allowing time for fraud checks and refunds to clear.
Payout Methods Direct Bank Transfer (including to a Wise Account), and potentially PayPal for international payments, depending on the management platform used.
Minimum Payout Typically a set threshold to avoid micro-payments and reduce transaction costs, often set around $50 in many programs.

Suitable Affiliates for Wise Affiliate

The Wise Affiliate Program is primarily suited for creators and publishers whose audience is actively engaged in international finance, travel, remote work, or business operations that involve cross-border transactions.

Affiliate Type Suitability and Focus
Bloggers High Suitability: Especially finance, travel, expatriate living, and business bloggers who write reviews, tutorials, and comparison posts on money transfers, banking, and budgeting abroad.
TikTokers Medium Suitability: Effective for short, engaging content focusing on money-saving tips for travel, studying abroad, or remote work/freelancing payments. Requires strong focus on the target demographic.
KOC (Key Opinion Consumer) / KOL (Key Opinion Leader) High Suitability: Anyone with a relevant, trusted audience in the finance, travel, or small business niche who can genuinely recommend the service based on personal experience.
Influencers High Suitability: Finance, travel, business, and digital nomad influencers on platforms like Instagram and YouTube. Their audience often needs transparent, cost-effective international payment solutions.
YouTubers High Suitability: Excellent for detailed reviews, “how-to” guides, personal finance comparisons, and videos focused on saving money while traveling or running a global business.
Video Editors / Livestreamers Low to Medium Suitability: Not directly targeted, but those who create content for freelancers, remote workers, or gaming communities (which often have global audiences) could promote it successfully.

Wise Affiliate Software

Wise uses a mix of internal systems and third-party platforms to manage its partnerships and affiliates.

Wise utilizes Partnerize for its SEO partners (website/blog affiliates) to access tracking links and track performance. For other partnership types, like influencers, they may be directed to sign up through the Wise app, suggesting the use of an in-house affiliate management system or a different integrated platform for direct tracking and payouts.

3 Alternatives for Wise Affiliate Program

Wise’s main competitors are other FinTech companies and established payment processors that offer international money transfer and multi-currency services. Three common alternatives are Revolut, Payoneer, and PayPal.

Comparison Table: Wise vs. 3 Alternatives

Comparison Factor Wise Revolut Payoneer PayPal
Primary Focus Low-cost international money transfers, multi-currency accounts. Finance super-app, multi-currency accounts, trading, budgeting. Cross-border B2B payments, mass payouts, freelance payments. E-commerce payments, person-to-person (P2P) transfers.
Average Bill (Transaction Size) Varies; common for large personal and SME transfers. Varies; frequent small-to-medium transfers/daily spending. Typically B2B invoices and large platform payouts. Varies; common for small e-commerce and P2P transfers.
Entry Fees Free to open a personal/business account. Free standard account; fee for premium tiers. Free to sign up; potential maintenance fees on inactive accounts. Free to open a personal/business account.
Withdrawal Threshold (Minimum Payout) Typically a set threshold (e.g., ~$50). Varies by program, often a set minimum commission. Typically a set threshold (e.g., $50 or $100). Varies by network; often no minimum if paid via standard means, but small transaction fees.
Payment Frequency Typically Monthly (Net-30). Typically Monthly (Varies by network/program). Typically Monthly (Varies by network/program). Varies by network/program.
Commission CPA (New customer making cross-currency transfer); flat fee or tiered. CPA/CPL (Often new sign-ups, account openings); flat fee. CPA/CPL (New sign-ups, activated accounts); flat fee. CPS (Percentage of transaction fee); often lower rates than FinTechs.
Conversion Easier conversion with an audience focused on saving money on international transfers. Easier conversion with an audience interested in banking, travel perks, and crypto. Easier conversion with an audience of freelancers, marketplaces, and global businesses. High trust, easier conversion for users already using the platform for online shopping.
Marketing Materials Tracking links, API, widgets, partner resources. Banners, landing pages, email templates (Varies by network). Banners, landing pages, co-branded materials (Varies by network). Banners, links, pre-made assets (Varies by network).