Whish Money review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Whish Money is a Lebanon based account for businesses, students and teens who want to hold and pay like a local rather than carry a many currency wallet. Monthly fees are $0 and currency conversion costs 0%, but a rate markup of 4% is where the real cost sits.
Key facts
- Best for
- Paying and receiving like a local in Lebanon with monthly fees of $0.
- Monthly fee
- $0↗
- Currency conversion fee
- 0%↗
- Currencies
- 2↗
- Local account details
- Us-ACH↗
- Transfer fee
- Whish to Whish free; local money transfer in LBP 1% (minimum LBP 50,000); international transfers to bank accounts and wallets fees vary by partner and corridor↗
- Legal entity
- Whish Money S.A.L.↗
- Headquarters
- Lebanon↗
- Founded
- 2019↗
- Support channels
- Email, Phone, Help-centre↗
- Audience
- Business, Students, Teens
- Pricing model
- No monthly fee, Low FX fees
- Official website
- whish.money
Money transfer
- Exchange rate markup
- 4%↗
- Delivery time
- Instant↗
- Payout methods
- Bank, Cash-pickup, Wallet↗
- Fee to send 1,000
- LBP 50,000↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
Pros and cons
Pros
- Monthly fees of $0, so holding the account costs nothing month to month.
- Currency conversion fees of 0%, ranked 1 of 312 compared brands.
- Payouts reach bank, cash pickup and wallet with Instant delivery.
- Support runs on email, phone and help centre.
Cons
- A rate markup of 4% on exchange, which is where the cost really sits once the 0% fee is added.
- Covers 2 currencies, so it works for a single market rather than a multi-currency wallet.
- A minimum local transfer charge of LBP 50,000 makes small local payments cost more.
Who it suits
- Businesses paying staff and suppliers in Lebanon who want local account details (us ach) to receive money like a resident.
- Students and teens looking at an account with monthly fees of $0.
- People who want payouts to bank, cash pickup and wallet with Instant delivery.
Who should look elsewhere
- PayPal Colombia, whose conversion fee of 3% to 4% sits well above the 0% charged here.
- Plazo ES and Skrill, whose monthly fees of €0 and €0 are euro based, suit readers who want a euro account rather than Lebanon linked money.
How Whish Money compares
8.8 vs 8.7
8.8 vs 8.6
8.8 vs 8.0
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8.8 vs 9.1
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8.8 vs 9.0Monthly fees of €0 and a wider currency set than the 2 here.
8.8 vs 8.7
8.8 vs 9.5
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8.8 vs 9.3
8.8 vs 9.2
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8.8 vs 9.0
8.8 vs 8.9
8.8 vs 8.9- 8.8 vs 8.9
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8.8 vs 8.0
8.8 vs 9.1
Where Whish Money is available
- Licence in Lebanon
- Central Bank of Lebanon (42/5/19), checked September 26, 2026
- Licence in Lebanon
- Banque du Liban (19/21/22), checked September 26, 2026
Frequently asked questions
How much does Whish Money cost to hold and to convert?+
The monthly fee is $0 and currency conversion costs 0%. Transfers between Whish accounts are free, local money transfers carry a small percentage with a minimum of LBP 50,000, and international transfers to bank accounts and wallets are priced by partner and corridor. Delivery is Instant.
Who regulates Whish Money?+
Whish Money operates as Whish Money S.A.L. and has been trading since 2019. It lists a Central Bank of Lebanon licence, 42/5/19, and a Banque du Liban licence, 19/21/22. Both regulators sit in Lebanon, so the licences are Lebanon based.
How do I pay in and take money out?+
You get local account details in the form listed as us ach, so you can receive money like a local transfer rather than as a visitor. Money goes out to bank, cash pickup and wallet, and the transfer itself is Instant.
How many currencies can I hold?+
Whish Money holds 2 currencies and ranks 274 of 379 compared brands on that count, so it suits a single market rather than a wide multi-currency wallet. Exchange costs 0% in fees and a rate markup of 4% on the rate.
Who is the account aimed at?+
The account is aimed at business, student and teen users, covering businesses paying staff and suppliers, students and teens. Support runs on email, phone and help centre, and the pricing is built around a $0 monthly fee and conversion fees of 0%.
How does the exchange cost compare with PayPal Colombia?+
The published rate markup is 4% while the conversion fee is 0%, and Whish ranks 1 of 312 compared brands on that fee. PayPal Colombia charges 3% to 4%, so the gap matters on larger transfers.
How do the monthly fees compare with Plazo ES and Skrill?+
Whish Money charges a monthly fee of $0, close to Plazo ES at €0 and Skrill at €0, and it ranks 1 of 500 compared brands on that measure. The monthly charge is not the deciding factor here.
How does Whish Money score on VaultCue?+
Whish Money scores 5 overall, with 7.2 on cost and 2 on offer. The cost score sits well above the offer score, which fits a $0 monthly fee and conversion fees of 0%, while the offer rests on Instant delivery and bank, cash pickup and wallet payouts.
Sources
- whish.money/about-us checked September 26, 2026
Backs: Support channels
“Landline +961 1 788 999 ... FEEDBACK@WHISH.MONEY ... INFO@WHISH.MONEY”
- whish.money/faq checked September 26, 2026
Backs: Audience, Currencies, Delivery time
“The Student Card lets students pay cashless at selected schools and partner locations, while parents can monitor and manage their spending”
- whish.money/fees-commissions checked September 26, 2026
Backs: Currency conversion fee, Pricing model, Monthly fee, Payout methods, Transfer fee, Fee to send 1,000
“Cross-Border Transactions (USD) Free”
- whish.money/offers-new/pay-like-a-local---0-fx-markup-fee... checked September 26, 2026
Backs: Exchange rate markup
“the standard 4% FX Markup Fee applied on eligible international transactions will be waived and replaced with a 0% FX Markup Fee (Whish Visa Card international transactions)”
- whish.money/terms-conditions checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Local account details, Licences
“WOO CASH SAL is a Lebanese joint stock company established in 2019, based in Lebanon Raouche”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection.
Related by the facts
Guides
Whish Money
Paying and receiving like a local in Lebanon with monthly fees of $0.