exchangerate.dev
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exchangerate.dev vs Wise

Keep Wise if you need Wise transfers, account conversions, or a partner integration.

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Reviewed October 2026

At a glance

Featureexchangerate.devWise
At a glance
Free tier5,000 requests/monthNot published
Cheapest paid planBasic · $19/monthNot published
Update speed144 currencies ~60s on trading days; Free 15m lateNot published
HistoryFree 30 days; Basic 1 year; Plus/Pro to 1999Timestamp and range queries
Coverage144 currencies; any supported baseNot published
InterfacesREST; MCP; WebSocket on Plus and ProREST API
SDKsNot publishedNot published
Commercial use on free tier✓ With a linked creditNo free developer tier published

Switch in a few minutes

exchangerate.dev
# Change: URL and auth
curl -G \
  "https://api.exchangerate.dev/v1/latest/USD" \
  --data-urlencode "symbols=EUR" \
  -H "Authorization: Bearer YOUR_API_KEY"
Wise
# Change: URL and auth
curl -G \
  "https://api.wise.com/2026Q4/rates" \
  --data-urlencode "source=USD" \
  --data-urlencode "target=EUR" \
  -H "Authorization: Bearer YOUR_API_TOKEN"

Wise returns a timestamped currency rate; exchangerate.dev returns an indicative EUR rate per USD.

Verdict

Choose exchangerate.dev when intraday freshness, per-value provenance, MCP-native access, and free-tier headroom matter. Keep Wise if you need Wise transfers, account conversions, or a partner integration.

Price at your usage

The lowest published plans for each monthly request volume, with traffic spread across the month.

Requests a monthexchangerate.devWise
1,000Free · $0/monthNot published
10,000Basic · $19/monthNot published
100,000Basic · $19/monthNot published

Access via affiliate or partner onboarding; we found no self-serve public key as of 18 Oct 2026.

Why teams switch

Room to test a real workload

5,000 free monthly calls give you room to build around your own traffic pattern, from a small currency converter to a recurring rate lookup. No card is required, and any supported currency can be the base. The usage table maps three monthly volumes to the lowest qualifying plan, making the next step clear as requests grow. Free permits commercial display with linked credit; paid plans need no credit.

Rates with a time and a source

All 144 currencies update about every 60 seconds on trading days, 15 minutes late on Free. Responses include source and market-session fields alongside observation timestamps, so your application can show where a value came from and when it was observed. Daily references remain identifiable as daily data. That context belongs beside the number in a customer interface, an internal report, or an agent answer that explains the rate it used.

One account for apps and agents

Every plan includes REST and MCP. Plus and Pro daily history reaches 1999 for majors; pair starts vary, combining current and dated records. A developer can start with the HTTP examples above, then use MCP for agent queries without adding another subscription. The same base and target currencies carry through the workflow, from fetching a current rate to looking up a historical observation.

When they are the better pick

Choose Wise for transfers or account conversions. Its converter shows the mid-market rate and separate fees. Access is through affiliate or partner onboarding; we found no self-serve public key as of 18 Oct 2026.

Sources and review date

Reviewed

Related comparisons

Questions

How do developers access the Wise API?

Wise documents its rates endpoint in the Affiliates guide. Access is through affiliate or partner onboarding; we found no self-serve public key as of 18 Oct 2026.

Is an exchangerate.dev rate a Wise quote?

No. exchangerate.dev shows indicative rates. Wise's converter shows the mid-market rate and the fee for a transfer or account conversion.

When is Wise the better API choice?

Choose Wise for transfers or account conversions, via affiliate or partner onboarding; we found no self-serve public key as of 18 Oct 2026. Its converter shows the mid-market rate and separate fees.

Can I use exchangerate.dev Free commercially?

Free: commercial display with visible linked credit near rates. Basic: no credit required, $19/month.

Start with a free API key

5,000 requests a month on the free plan. No credit card.

Get a free key