Compare Bilderlings Pay vs TransferWise

Bilderlings Pay Ltd Logo
Trustpilot Rating
Reviews 25 | Average
 (3.2)

Bilderlings Pay Ltd is an electronic money institution focused on offering banking services. Bilderlings Pay Ltd offers current accounts, international transfers,cryptocurrency payment processing, payment cards to natural persons (international and EU), legal entities (international and EU). Bilderlings Pay Ltd performs international transfers in 21 currencies. Incorporated in the United Kingdom, Bilderlings Pay Ltd is authorized and regulated by the Financial Conduct Authority and a PCI DSS compliant provider. Bilderlings Pay Ltd is a SEPA scheme participant and a SWIFT member, providing payments worldwide. In 2019 Bilderlings Pay Ltd had total assets of 1.50 mln GBP, Bilderlings Pay Ltd generated net income of 70,991.00 GBP.

Transferwise Ltd Logo
Trustpilot Rating
Reviews 94,805 | Excellent
 (4.6)

Transferwise Ltd is an electronic money institution focused on international money transfers. Transferwise Ltd offers prepaid cards, international money transfers, virtual accounts with IBAN to individuals, businesses. In 2019 Transferwise Ltd had total assets of 1,108.80 mln GBP, Transferwise Ltd generated net income of 10.30 mln GBP. Incorporated in the United Kingdom, Transferwise Ltd is authorized and regulated by the Financial Conduct Authority.

Bilderlings Pay Business Focus
offering banking services
Bilderlings Pay Products
  • current accounts with individual IBAN
  • payment cards
Bilderlings Pay Services
  • international transfers within SEPA, SWIFT, FPS, CHAPS
  • payment processing
  • crypto processing
Bilderlings Pay Clients
  • natural persons (international and EU)
  • legal entities (international and EU)

View Bilderlings Pay Profile +

TransferWise Business Focus
international money transfers
TransferWise Products
  • prepaid cards
  • virtual accounts with IBAN
TransferWise Services
  • international money transfers
TransferWise Clients
  • individuals
  • businesses

View TransferWise Profile +

Compare Personal Accounts

Bilderlings Pay TransferWise
Currencymulticurrency accountEUR, GBP, AUD
and 43 more
Payment Cards physical
virtual
physical
virtual
Personal IBAN available (GB IBAN) available (BE, GB IBAN)
UK Account Number not available available
Customer GroupsEU residents
non-EU residents
all countries
Pricing Plans Resident EU
International
single for all customers
Open Account
 

Currency

Bilderlings Pay

Personal Account is a multi-currency account, allowing the account holder to have funds in various currencies at the same time.

TransferWise

Borderless Account is a multi-currency account, allowing the account holder to have funds in EUR, GBP, AUD, AED, ARS, BDT, BGN, CHF, CLP, CNY, CZK, DKK, EGP, GEL, HKD, HRK, HUF, CAD, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, USD, PEN, PHP, PLN, PKR, RON, RUB, SEK, SGD, THB, TRY, UAH, VND, ZAR.

Payment Cards

Bilderlings Pay

Personal Card (MasterCard) can be ordered together with Personal Account. Virtual cards are not available.

TransferWise

TransferWise Personal Card (MasterCard) can be ordered together with Borderless Account. Virtual cards are not available.

International Transfers

Bilderlings Pay

  • SWIFT Transfers
  • SEPA Credit Transfers

TransferWise

  • SWIFT Transfers
  • SEPA Credit Transfers
  • SEPA Instant Transfers

Personal IBAN

Bilderlings Pay

n/a

TransferWise

  • available for verified customers
  • appears automatically for EUR balances
  • UK sort code and account number available for GBP balances
  • ABA and account number available for USD balances
  • BSB and account number available for AUD balances
  • account number available for NZD balances
  • account number available for PLN balances

IBAN Countries

Bilderlings Pay

Personal IBANs assigned to Personal Account belong to the United Kingdom.

TransferWise

Personal IBANs assigned to TransferWise Borderless accounts belong to:

  • Belgium for EUR balances
  • the United Kingdom for GBP balances

Account Security

Bilderlings Pay

Bilderlings Pay Ltd offers second factor authentication via a user's mobile device.

TransferWise

TransferWise uses HTTPS encryption, and two-factor authentication to protect all customer transactions and make sure everything is secure. TransferWise will never misuse or sell customer data.

Pricing Plans

Bilderlings Pay

Personal Account is offered with several pricing plans for different customer groups, namely Resident EU, International.

  • Resident EU
  • offered to: EU residents
  • Initial Fee 10.00 EUR
  • Monthly Fee 0.00 EUR
  • International
  • offered to: non-EU residents
  • Initial Fee 50.00 EUR
  • Monthly Fee 30.00 EUR

TransferWise

Borderless Account is offered with a single pricing plan for all customers.

  • Borderless Account
  • offered to: all countries
  • Initial Fee 0.00 EUR
  • SEPA Outgoing 0.60 EUR
  • SEPA Incoming 0.00 EUR
  • SWIFT Outgoing 0.60 EUR
  • SWIFT Incoming 0.00 EUR
  • Low conversion fees
  • Zero transaction fees
  • Free ATM withdrawals up to £200 per 30 days
  • Open Account

How to Open TransferWise Account

Opening Borderless Account
1.
Provide your details online
2.
Upload your proof of identity
3.
Upload selfie with your proof of identity
4.
Account is ready to use in 2 days
Proof of Identity. Depending of the client's country, TransferWise accepts the following documents: passport, national ID card, driver's licence.


Compare Personal Cards

Bilderlings Pay TransferWise
Bilderlings Pay Ltd CardTransferwise Ltd Card
Card Typedebit
physical
contactless
debit
physical
Currencysingle currency
EUR, GBP, USD
multi currency
as per account
Card ProviderMasterCardMasterCard
Order Card
 

Card Type

Bilderlings Pay

Bilderlings Pay cards are debit cards, rather than prepaid cards. Bilderlings Pay cards are issued only as physical (plastic) cards and are delivered to the customer's address.

TransferWise

TransferWise cards are debit cards, rather than prepaid cards. TransferWise cards are issued only as physical (plastic) cards and are delivered to the customer's address.

Currency

Bilderlings Pay

Personal Card is a single currency card, it can be issued in either EUR, GBP or in USD.

TransferWise

TransferWise Personal Card is a multi-currency card, the funds can be held in different currencies at the same time. TransferWise Personal Card can hold funds in any as the corresponding account, namely in EUR, GBP, AUD, AED, ARS, BDT, BGN, CHF, CLP, CNY, CZK, DKK, EGP, GEL, HKD, HRK, HUF, CAD, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, USD, PEN, PHP, PLN, PKR, RON, RUB, SEK, SGD, THB, TRY, UAH, VND, ZAR.

Customer Group

Bilderlings Pay

n/a

TransferWise

TransferWise cards are currently available for the holders of TransferWise borderless accounts in the United Kingdom, United States, Switzerland and the European Economic Area (with the exception of Greece), Gibraltar (British Overseas Territory) and the UK Crown Dependencies: Guernsey, Isle of Man, and Jersey.

Card Loading

Bilderlings Pay

n/a

TransferWise

TrnaferWise card does not have a separate balance from TransferWise borderless account. So, topping up a TransferWise borderless account actually loads the TransferWise cards connected to the account.

Card Security

Bilderlings Pay

n/a

TransferWise

3D Secure Payments. For some online payments, a TransferWise cardholder can be asked to approve the payment from his/her TransferWise app, or by using a code sent by SMS or voice call. This is called a 3D Secure online payment, and is an added level of security some websites ask for. At the moment, 3D secure payments are only supported for cards issued in the UK and the European Economic Area (EEA).

Pricing Plans

Bilderlings Pay

Card Fees and Limits
Bilderlings Payment Card
Card Issuing Fee25.00 EUR
Post Delivery Feefree
Courier Delivery Fee25.00 EUR
Monthly Fee2.00 EUR
Currency Exchange Fee2.00 %
Online/In-store Purchase Feefree
Cash Withdrawal Fee2.00%, min. 2.50 EUR

TransferWise

Card Fees and Limits
UK/EUAPACUS
Card Issuance Fee5 GBP/6 EUR10 AUD/10 NZD/10 SGD7 USD
Currency Exchange Fee0.24–3.69%0.24–3.69%0.24–3.69%
ATM Withdrawal Feeup to 200 GBP: free
above that: 2.00%
up to 350 AUD/350 NZD/350 SGD: free
above that: 2.00%
up to 250 USD: free
above that: 2.00%
ATM Withdrawal Daily Limit1,500 GBP2,700 AUD/NZD/SGD1,000 USD
ATM Withdrawal Monthly Limit4,000 GBP7,000 AUD/NZD/SGD4,000 USD
Contactless Payment Daily Limit1,000 GBP1,750 AUD/NZD/SGDn/a
Contactless Payment Monthly Limit4,000 GBP7,000 AUD/NZD/SGDn/a
Magnetic Stripe Daily Limit6,000 GBP10,500 AUD/NZD/SGD6,000 USD
Online Purchase Daily Limit10,000 GBP17,500 AUD/NZD/SGD2,000 USD
Online Purchase Monthly Limit30,000 GBP52,500 AUD/NZD/SGD10,000 USD

Compare Business Accounts

Bilderlings Pay TransferWise
Currencymulticurrency accountEUR, GBP, AUD
and 43 more
Payment Cards physical
virtual
physical
virtual
Personal IBAN available (GB IBAN) available (BE, GB IBAN)
UK Account Number not available available
Customer Groupssingle-country EU based
international companies
all countries
Pricing Plans Single-country EU
International
single for all customers
Open Account
 

Currency

Bilderlings Pay

Business Account is a multi-currency account, allowing the account holder to have funds in various currencies at the same time.

TransferWise

Business Account is a multi-currency account, allowing the account holder to have funds in EUR, GBP, AUD, AED, ARS, BDT, BGN, CHF, CLP, CNY, CZK, DKK, EGP, GEL, HKD, HRK, HUF, CAD, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, USD, PEN, PHP, PLN, PKR, RON, RUB, SEK, SGD, THB, TRY, UAH, VND, ZAR.

Payment Cards

Bilderlings Pay

Business Card (MasterCard) can be ordered together with Business Account. Virtual cards are not available.

TransferWise

TransferWise Business Card (MasterCard) can be ordered together with Business Account. Virtual cards are not available.

International Transfers

Bilderlings Pay

  • SWIFT Transfers
  • SEPA Credit Transfers

TransferWise

  • SWIFT Transfers
  • SEPA Credit Transfers
  • SEPA Instant Transfers

Personal IBAN

Bilderlings Pay

n/a

TransferWise

  • available for verified customers
  • appears automatically for EUR balances
  • UK sort code and account number available for GBP balances
  • ABA and account number available for USD balances
  • BSB and account number available for AUD balances
  • account number available for NZD balances
  • account number available for PLN balances

IBAN Countries

Bilderlings Pay

Personal IBANs assigned to Business Account belong to the United Kingdom.

TransferWise

Personal IBANs assigned to TransferWise Borderless accounts belong to:

  • Belgium for EUR balances
  • the United Kingdom for GBP balances

Account Security

Bilderlings Pay

Bilderlings Pay Ltd offers second factor authentication via a user's mobile device.

TransferWise

TransferWise uses HTTPS encryption, and two-factor authentication to protect all customer transactions and make sure everything is secure. TransferWise will never misuse or sell customer data.

Pricing Plans

Bilderlings Pay

Business Account is offered with several pricing plans for different customer groups, namely Single-country EU, International.

  • Single-country EU
  • offered to: single-country EU based
  • Initial Fee 100.00 EUR
  • Monthly Fee 10.00 EUR
  • International
  • offered to: international companies
  • Initial Fee 750.00 EUR
  • Monthly Fee 200.00 EUR

TransferWise

Business Account is offered with a single pricing plan for all customers.

  • Business Account
  • offered to: all countries
  • Initial Fee 0.00 EUR
  • SEPA Outgoing 0.60 EUR
  • SEPA Incoming 0.00 EUR
  • SWIFT Outgoing 0.60 EUR
  • SWIFT Incoming 0.00 EUR
  • Batch payments
  • Xero integration
  • Open API
  • Monthly statements
  • Open Account

How to Open TransferWise Account

Opening Business Account
1.
Provide your details online
2.
Upload your company details
3.
Upload your proof of identity
4.
Account is ready to use in 4-7 business days
Company Details. To open a TransferWise Business Account, a client needs to provide company details, including business registration, the industry which the company operates in, any online or social presence, name, date of birth, and country of residence for all legal business owners and directors.
Personal Details. Customer applying for opening TransferWise Business account, should provide his/her personal details and describe the role in the business.
The application is submitted for review, and TransferWise team will contact the customer back to clarify additional details.
It usually takes between 4-7 days to open a business account.
Country-Specific Requirements. If the business is registered in the United States, Singapore, Japan, Hong Kong, or New Zealand, there may be additional things TransferWise needs before having the account verified.


Compare Corporate Cards

Bilderlings Pay TransferWise
Bilderlings Pay Ltd CardTransferwise Ltd Card
Card Typedebit
physical
contactless
debit
physical
Currencysingle currency
EUR, GBP, USD
multi currency
as per account
Card ProviderMasterCardMasterCard
Order Card
 

Card Type

Bilderlings Pay

Bilderlings Pay cards are debit cards, rather than prepaid cards. Bilderlings Pay cards are issued only as physical (plastic) cards and are delivered to the customer's address.

TransferWise

TransferWise cards are debit cards, rather than prepaid cards. TransferWise cards are issued only as physical (plastic) cards and are delivered to the customer's address.

Currency

Bilderlings Pay

Business Card is a single currency card, it can be issued in either EUR, GBP or in USD.

TransferWise

TransferWise Business Card is a multi-currency card, the funds can be held in different currencies at the same time. TransferWise Business Card can hold funds in any as the corresponding account, namely in EUR, GBP, AUD, AED, ARS, BDT, BGN, CHF, CLP, CNY, CZK, DKK, EGP, GEL, HKD, HRK, HUF, CAD, IDR, ILS, INR, JPY, KES, KRW, LKR, MAD, MXN, MYR, NGN, NOK, NPR, NZD, USD, PEN, PHP, PLN, PKR, RON, RUB, SEK, SGD, THB, TRY, UAH, VND, ZAR.

Customer Group

Bilderlings Pay

n/a

TransferWise

TransferWise cards are currently available for the holders of TransferWise borderless accounts in the United Kingdom, United States, Switzerland and the European Economic Area (with the exception of Greece), Gibraltar (British Overseas Territory) and the UK Crown Dependencies: Guernsey, Isle of Man, and Jersey.

Card Loading

Bilderlings Pay

n/a

TransferWise

TrnaferWise card does not have a separate balance from TransferWise borderless account. So, topping up a TransferWise borderless account actually loads the TransferWise cards connected to the account.

Card Security

Bilderlings Pay

n/a

TransferWise

3D Secure Payments. For some online payments, a TransferWise cardholder can be asked to approve the payment from his/her TransferWise app, or by using a code sent by SMS or voice call. This is called a 3D Secure online payment, and is an added level of security some websites ask for. At the moment, 3D secure payments are only supported for cards issued in the UK and the European Economic Area (EEA).

Pricing Plans

Bilderlings Pay

Card Fees and Limits
Bilderlings Payment Card
Card Issuing Fee50.00 EUR
Post Delivery Feefree
Courier Delivery Fee25.00 EUR
Monthly Fee10.00 EUR
Currency Exchange Fee2.00 %
Online/In-store Purchase Feefree
Cash Withdrawal Fee2.00%, min. 2.50 EUR

TransferWise

Card Fees and Limits
UK/EUAPACUS
Card Issuance Fee5 GBP/6 EUR10 AUD/10 NZD/10 SGD7 USD
Currency Exchange Fee0.24–3.69%0.24–3.69%0.24–3.69%
ATM Withdrawal Feeup to 200 GBP: free
above that: 2.00%
up to 350 AUD/350 NZD/350 SGD: free
above that: 2.00%
up to 250 USD: free
above that: 2.00%
ATM Withdrawal Daily Limit1,500 GBP2,700 AUD/NZD/SGD1,000 USD
ATM Withdrawal Monthly Limit4,000 GBP7,000 AUD/NZD/SGD4,000 USD
Contactless Payment Daily Limit1,000 GBP1,750 AUD/NZD/SGDn/a
Contactless Payment Monthly Limit4,000 GBP7,000 AUD/NZD/SGDn/a
Magnetic Stripe Daily Limit6,000 GBP10,500 AUD/NZD/SGD6,000 USD
Online Purchase Daily Limit10,000 GBP17,500 AUD/NZD/SGD2,000 USD
Online Purchase Monthly Limit30,000 GBP52,500 AUD/NZD/SGD10,000 USD

Compare Money Transfers

Bilderlings Pay TransferWise
Speed0-2 days0-2 days
Amount Rangen/a1.00 EUR - 1,200,000 EUR
Countries150+ countries60+ countries
Currencies21 currencies40+ currencies
Sending From
  • Bilderlings accounts
  • Transferwise accounts
  • bank accounts
  • payment cards
Receiving To
  • bank accounts
  • Transferwise accounts
  • bank accounts
  • payment cards
Transfer Options
  • one-time payments
  • regular payments
  • batch payments
  • direct debits
  • large amounts transfers
Make Transfer
 

Transfer Speed

Bilderlings Pay

Bilderlings offers instant and inexpensive money transfers between Bilderlings accounts in any of 21 currencies.
Depending on the chosen plan the following tranfers are available:

  • Sepa Instant: instant money transfer from account to account in the EEA countries
  • SWIFT GPI: fast and reliable payments through 500 banks worldwide, 150 currencies, 1300 country corridors.
  • Mastercard Send: instant payments in real time to anywhere in the world

TransferWise

Transferwise provides an estimated delivery time for every transfer. In general, the delivery time depends on the following:

  1. Sending and receiving countries and currencies.
  2. Payment method. Some payment methods and faster than the other. For example, card payments are normally instant, while bank transfers take longer.
  3. Transfer initiation time. Transferwise can handle the money during normal banking hours.
  4. Security checks. Sometimes Transferwise needs to verify sender's ID, address as well as other details. Such verification can add extra time to your transfer on top of the initial estimation.

Sending Methods

Bilderlings Pay

Bilderlings Accounts
Transfers can be made from Bilderlings accounts only.

TransferWise

Transferwise Account
TransferWise offers instant transfers between TransferWise account holders.
Bank Account
TransferWise allows to send money from a sender's bank account: the sender should send money to TransferWise own bank account in the sender's country.
Payment Card
TransferWise supports sending money from payment cards the same way as from bank accounts.

Receiving Methods

Bilderlings Pay

Bank Accounts
With Bilderlings transfers can be performed to bank accounts only.

TransferWise

Transferwise Account
TransferWise offers instant transfers between TransferWise account holders.
Bank Account
Delivering money to bank accounts is the main receiving method in TransferWise.
Payment Card
TransferWise can deliver CNY to UnionPay card holders based in China.

Available Currencies

Bilderlings Pay

GBGBP (Pound sterling)
EUEUR (Euro)
USUSD (US dollar)
RURUB (Russian ruble)
AUAUD (Australian dollar)
BYBYN (Belarusian ruble)
CACAD (Canadian dollar)
CHCHF (Swiss franc)
CNCNY (Renminbi (Chinese) yuan)
CZCZK (Czech koruna)
DKDKK (Danish krone)
HKHKD (Hong Kong dollar)
HRHRK (Croatian kuna)
HUHUF (Hungarian forint)
JPJPY (Japanese yen)
KZKZT (Kazakhstani tenge)
NONOK (Norwegian krone)
PLPLN (Polish złoty)
RORON (Romanian new leu)
RSRSD (Serbian dinar)
SGSGD (Singapore dollar)

Transfer Costs

TransferWise

Transfer Fees
How much a particular Transferwise transfer costs depends on three things — the amount being sent, the payment method, and the exchange rate.
Exchange Rate
Transferwise ensures that its customers get mid-market rate — it’s the one banks use to trade between themselves.

Sending Countries

TransferWise

Transferwise offers sending money from a sender's Transferwise account, so sending money is available for all countries where Transferwise Borderless account is offered. Transferwise Borderless account is offered worldwide expect for several sanctioned countries and territories.

Receiving Countries

TransferWise

TransferWise allows to send money to 50 countries, namely:

SEPA-Countries (Europe)
AR Argentina
AU Australia
BD Bangladesh
BR Brazil
BG Bulgaria
CA Canada
CL Chile
CN China
CO Colombia
HR Croatia
CZ Czech Republic
DK Denmark
GE Georgia
HK Hong Kong
HU Hungary
IN India
ID Indonesia
IL Israel
JP Japan
KE Kenya
MY Malaysia
MX Mexico
MA Morocco
NP Nepal
NZ New Zealand
NG Nigeria
NO Norway
PK Pakistan
PE Peru
PH Philippines
PL Poland
RO Romania
RU Russian Federation
SG Singapore
ZA South Africa
KR Korea, Republic of
LK Sri Lanka
SE Sweden
CH Switzerland
LI Liechtenstein
TH Thailand
TR Turkey
UA Ukraine
AE United Arab Emirates
GB United Kingdom
US United States
VN Vietnam
EG Egypt
GH Ghana

Advantages and Disadvantages

Advantages of TransferWise Transfers

Broad countries coverage
Available for individuals and business entities
Suitable for large transfers

Disadvantages of TransferWise Transfers

Have to open a current account with TransferWise
Receiving money mainly to bank accounts

How Bilderlings Pay Transfers Work

1.
Open an Account
Bilderlings account can opened within 24 hours.
2.
Top-Up Account
Your Bilderlings account can be topped up with bank transfers.
3.
Make Transfers
Start making transfers with SEPA, SWIFT, FPS, CHAPS.

How TransferWise Transfers Work

1.
Create account
Create and verify your TransferWise account
2.
Enter transfer's details
Provide the recipient’s details and the amount you want to send. Note that the recipient doesn't need a TransferWise account, just a bank account.
3.
Pay for your transfer
Pay by credit or debit card or make a local bank transfer to TransferWise’s bank account in your country. You don't have to link your bank account to TransferWise (unless you’re sending from Canada or the US).
4.
Transfer processed
TransferWise has local bank accounts in countries all over the world. So often TransferWise is able to use money from a TransferWise user sending money the other way around.
5.
Transfer completed
If you provide your recipient’s email address, the recipient will get a notification that the money is on the way.


See Also