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Updated September 29, 2026 · VaultCue Editorial Team

Found vs Wise Account

Found scores 8.7 and Wise Account 9.1 out of 10. Compare their differences and shared features below.
Found

Found

8.7/10
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Wise Account

Wise Account

Higher score in this comparison

9.1/10
See alternatives

Where Found and Wise Account differ

Found vs Wise Account
CompareFoundFoundReviewSee alternativesSee alternativesWise AccountWise AccountReviewSee alternativesSee alternatives
Headline rate1.5% to 2.5%3.29%Higher
Access termsBusiness checking with Pockets sub-accounts, no minimum balance and no monthly maintenance fees; interest is paid only on the paid Found Plus or Found Pro subscription.Instant access to money and gains; transfer up to 100,000 GBP (Personal) daily without delay
Monthly fee$0£0
Minimum deposit$0Not confirmed
Deposit protectionNot confirmedFSCS up to GBP 85,000

Same on both: Rate type (Variable), Account kind (Cash management).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Wise Account scores higher overall: 9.1 vs 8.7.
  • Founded is lower at Wise Account: 2011 vs 2019.
  • Headline rate is higher at Wise Account: 3.29% vs 1.5% to 2.5%.
  • Support channels: only Wise Account offers Chat.
  • Pricing model: only Wise Account offers Low FX.

Our verdict on each

Found

Found serves businesses and freelancers who want a business checking account with Pockets sub-accounts rather than a spread of savings pots. The headline rate is 1.5% to 2.5%, the rate type is variable, and the interest lands on the balance only through a paid subscription.

Read the full Found review

Wise Account

Wise Account suits expats and travelers who move money across currencies and want local account details without paying anything each month. You can hold 40 currencies, receive money like a local, and the account draws 7.4 overall on VaultCue.

Read the full Wise Account review

Score breakdown

Found vs Wise Account
AreaFoundWise Account
Cost9.3HigherFee-free monthly fee $0 versus site median €0, with rate 1.5% to 2.5% only on paid plans.9.2A monthly fee of £0, conversion at 0.24% with a 0% markup and transfers priced at From 0.24%, varies by currency.
Offer8.89.9HigherA variable 3.29% on the balance, 40 currencies and a £250 free cash allowance.
Trust8.28.4Higher

How they place

Found vs Wise Account
RankingFoundWise Account
Savings accounts515 of 1420312 of 1420
Cash management accounts22 of 4511 of 45
Money transfer services386 of 1564236 of 1564

Every fact side by side

Found vs Wise Account
FactFoundWise Account
Pricing modelNo monthly feeNo monthly fee, Low FXCovers more
Legal entityIndie Technologies, Inc. (dba Found)Wise Europe SA
HeadquartersUnited StatesBelgium
Founded20192011Lower
Support channelsEmail, Phone, Help centreEmail, Phone, Chat, Help centreCovers more

Everyday accounts

Found vs Wise Account
FactFoundWise Account
Licence typeNot confirmedPayment institution
Currency conversion feeNot confirmed0.24%
CurrenciesNot confirmed40
AudienceBusiness, FreelancerExpats, Travelers
FeaturesNo credit checkFree ATM
Local account detailsUs ACHIBAN, UK sort code, Us ACHCovers more
Free ATM withdrawals$0£250
Transfer feeACH free; wire $15 ($10 Found Pro); instant payment greater of 1.75% or $0.50; express transfer 1% capped at $25; paper check $1 (free on Pro)From 0.24%, varies by currency

Money transfer

Found vs Wise Account
FactFoundWise Account
Exchange rate markupNot confirmed0%
Delivery timeInstant to 1-2 business daysNot confirmed
Payout methodsBank, Card, WalletCovers moreBank, Card
Fee to send 1,000$0Not confirmed

Where each stands against the rest

Found vs Wise Account
FactFoundWise AccountMedian
Headline rate1.5% to 2.5%below the median3.29%above the median3.25
Minimum deposit$0at the medianNot confirmed$0

Median across 658 listed accounts.

Pros and cons

Found

Pros

  • Pockets sub-accounts keep tax, income and spending money apart in the same balance, and the account is built as cash management rather than a savings pot.
  • Support runs on email, phone and help centre, so a question can reach a person on the phone rather than sitting in a form queue.
  • Delivery runs Instant to 1-2 business days and payouts go to bank, card and wallet, so money can land in a bank account, a card or a wallet.

Cons

  • Interest lands on the balance only through a paid subscription, either Plus or Pro, so the 1.5% to 2.5% rate needs a paid plan to count.
  • Wires, instant payments, express transfers and paper cheques carry charges on the fee schedule, and the lower rates come with the paid Pro subscription.
  • Support runs on email, phone and help centre only, so live chat is not among the routes to a person.

Wise Account

Pros

  • Currency conversion at 0.24% with a 0% exchange rate margin, so nothing is added on top of the rate you are quoted.
  • Balances earn a variable 3.29%, above the everyday account median of 3.25%, while access to money and gains stays instant.
  • Holds 40 currencies, well clear of the everyday account median of 9, with local account details covering IBAN, UK sort code and US ACH.

Cons

  • It is a payment institution rather than a bank, so balances are safeguarded rather than banked, and the protection that applies is FSCS up to GBP 85,000.
  • The rate is variable, so 3.29% can move with the base rate instead of being locked for a term.
  • Cash withdrawals are free to £250 only, and free ATM withdrawals are a feature on 64.6% of everyday accounts, so heavy cash users should check a bank tariff first.

Who each suits

Found

Who it suits

  • Freelancers and small businesses that want Pockets sub-accounts to hold tax, income and spending money apart in a business checking account.
  • Businesses that want help by phone as well as email, since support runs on email, phone and help centre.
  • Sole traders without a credit file behind them, given no credit check on the feature list.

Who should look elsewhere

  • PayPal Colombia, listed at 3.3%, if a higher headline rate matters more than running a business balance in sub-accounts.
  • Plazo ES, listed at 24.19%, if the aim is a card rate rather than an account that runs on US bank transfers.
  • AXI Card Tarjeta y Credito, listed at 21.59%, for anyone after a card rate instead of a fee-free business account.

Wise Account

Who it suits

  • Expats and travelers named in expats and travelers who hold balances in several currencies at once.
  • People who need local account details, since those cover iban, uk sort code and us ach.
  • Readers who want 40 currencies in a single account without a monthly charge.

Who should look elsewhere

  • Readers who want a bank licence rather than a payment institution account.
  • Anyone chasing a fixed return for a set period, because the rate is variable and the money is accessible on demand.
  • Traders or wallet users who would rather sit with XTB or Skrill, where a multi-currency current account plays no part.

Current offers

Found

Current offer

  • Free trial

    30-day free trial of Found Plus or Found Pro: 30 days free

    One free 30-day trial; after the trial the selected plan is charged automatically at Found Plus $35/month or $315/year, or Found Pro $80/month or $720/year

    Source, checked September 26, 2026

  • Bonus

    1% cash back on all qualifying purchases with Found Pro: 1%

    Applies to qualifying purchases on primary and team cards; Cash Back Terms and Conditions apply; requires Found Pro subscription

    Source, checked September 26, 2026

Country by country

Found vs Wise Account
CountryFoundWise Account
United StatesYesNo

Questions about each

Found

What does Found charge each month?+

The monthly fee is $0 and the access terms set no monthly maintenance charge either, so holding the account costs nothing on its own. The charge to plan for sits on payments, where wires and instant transfers are billable and cheaper on the paid Pro subscription. Support runs on email, phone and help centre if a fee needs unpacking.

Is there a minimum balance needed to keep the account open?+

The minimum deposit is $0, and the access terms also rule out a minimum balance, so nothing has to sit in the account to keep it open. Pockets sub-accounts sit inside a business checking account, which lets a freelancer keep tax money and invoice money apart. Support runs on email, phone and help centre for balance questions.

Wise Account

Does the Wise Account cost anything each month?+

The monthly fee is £0, so there is no standing charge to keep the account open. That matches AXI Card, XTB and Skrill, which also show a monthly fee of €0. On VaultCue, Wise Account ranks 1 of 500 brands on this measure, and the everyday account median is €0.

What does it cost to change currency?+

Currency conversion is charged at 0.24% and the exchange rate margin is 0%, so nothing is layered on top of the rate quoted. Wise Account ranks 137 of 312 brands on that fee, with the everyday account median at 0.22% and the upper quartile at 2%.

Other options to compare

Found

See alternatives

Wise Account

See alternatives