Limited

Wise vs. Limited: The Ultimate Guide to Lower Fees & Faster Transfers

Wise vs. Limited: Which is better for freelancers? Stop losing money to fees and delays. Limited offers instant payments, lower costs, and full control over your earnings. Find out why freelancers are switching.

Freelancers, Stop Letting Payment Fees Eat Into Your Earnings

If you are a freelancer getting paid by clients worldwide, you might be using Wise (formerly TransferWise). It is cheaper than traditional banks, but is it really the best deal for speed, cost, and control over your money?

Meet Limited—a financial platform designed for freelancers who want instant payments, fewer fees, and total control over their funds with self-custody stablecoins.

Let’s dive in and see which one actually helps you keep more of your hard-earned money.

Wise vs. Limited: What You Need to Know

1. Are You Losing Money on Fees?

Wise: Takes a cut on every transaction and charges currency conversion fees.
Limited: Minimal fees and real-time stablecoin settlement, so you actually keep what you earn.

2. How Fast Do You Get Paid?

Wise: Payments rely on banks, so expect delays of a few hours or even days.
Limited: Instant payments, zero waiting. Your money is available immediately, no matter where your client is.

3. Who Controls Your Money?

Wise: Your funds go through banks, meaning they can be delayed, held, or restricted.
Limited: You’re in control. Your money is stored in stablecoins (USDC, USDT, EURC), always accessible with no unexpected holds.

4. Currency Exchange—How Much Are You Paying?

Wise: Multi-currency accounts are available, but you pay extra for conversions.
Limited: No forced conversions, no surprise fees. Get paid and spend in multiple currencies seamlessly.

5. Is It Built for Freelancers?

Wise: Works well for general money transfers but is not designed specifically for freelancers.
Limited: Created with freelancers in mind—fast, reliable, and cost-effective payments without the usual banking headaches.

Why Freelancers Are Ditching Wise for Limited

1. More Money in Your Pocket

Stop losing earnings to unnecessary fees. Limited ensures you get paid in full.

2. No More Payment Delays

Waiting for your money? Not anymore. With Limited, your funds are available instantly.

3. You Control Your Money

Forget about bank holds or restrictions. With Limited, your money is yours, always.

4. Global Payments Made Easy

Wherever your clients are, Limited makes payments fast, simple, and affordable.

Final Verdict: Wise or Limited?

If you do not mind slow payments and extra fees, Wise might be okay.

But if you want instant payments, lower costs, and full control over your money, Limited is made for you.

Make the Switch & Start Keeping More of Your Money

Join Limited today and take charge of your freelance payments.

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Limited is a financial platform providing flexible payment and expense management services and technology solutions. Limited is not a bank. Limited Inc. is a technology services provider and administrator of the Limited Card Program, Limited Pay and Limited Chroma, among other programs and services. Liimted partners with multiple third-parties service providers and banking partners in several jurisdictions that enable us (i) to utilize the services of licensed banks and payment institutions and other regulated services, and (ii) to pass these services through to Limiteds’ customers. Fees: Limiteds’ Services may incur transactional, cross-border and/or financing fees, as well as costs and expenses associated with Limiteds’ Third-Party Service Providers. Disclosure: Please note that because Limited operates in many regulatory environments globally, there are important differences in the way Limited provides its solutions and services depending on the region.