Wise is excellent at holding and converting currencies. Kronos is built around earning — your gig, client and creator income, the costs behind it, and the tax you will owe — in one app.
Get Kronos — free to start| Kronos | Wise | |
|---|---|---|
| Built for | People who earn — from gig apps, clients and creator platforms | Holding, converting and sending money across currencies |
| US account details | Yes, after ID verification — including many non-US residents | Yes, USD account details |
| Currencies you can hold | US dollars | Many currencies in one account |
| International transfers | Yes — fee and rate shown before you send | Yes — Wise’s core product |
| Debit card | Not yet | Yes |
| Gig & creator income tracking | Yes — bank-detected gig pay plus connected platforms | — |
| Earned, costs, tax and take-home each month | Yes — earnings dashboard | — |
| How much to set aside for tax | Yes — tax helper using your country’s rules | — |
| Mileage and receipts for tax records | Yes | — |
| Income forecast and monthly goals | Yes | — |
| Crypto | Buy, sell, send and deposit supported assets where eligible | — |
| Monthly fee | $0 on Kronos Free (optional Pro / Black) | $0 for a personal account |
Wise details are from Wise’s public website as of October 2026 and may change; check wise.com for current features and pricing. Wise is a trademark of Wise Payments Limited; Kronos is not affiliated with Wise. Kronos is a financial technology company, not a bank. Banking and payment services are provided by licensed partners; availability depends on your country, identity verification and eligibility. Tax figures are estimates, not tax advice. Fees for any transfer are shown before you confirm.
Plenty of people use both: Wise for currencies, Kronos for running the money they earn.
For moving money between many currencies, Wise is the specialist. Kronos is the better fit if you earn from gigs, clients or creator platforms and want income, costs, tax set-aside and records in one place. Many people use both.
Not yet. Kronos does not issue a card today.
Many non-US residents can. You verify with an ID accepted for your country, and once approved Kronos shows US routing and account details for ACH and wire deposits. Availability depends on your country and verification.
Kronos Free is $0 a month: core tools, the earnings dashboard and tax helper, with a small fee only on some transactions (for example, crypto trades). Pro and Black are optional memberships with more tools and higher limits.