Skip to content
ToolGPA

Alternatives · Spend & Bills

Wise Business alternatives

As of Nov 13, 2026, the best Wise Business alternative for most people is Airwallex (3.2 GPA), second in our ranking of spend and bill pay tools. The best free one is Brex (3.6 GPA).

Wise Business compared with 7 alternatives: Airwallex, Mercury, Veem, Brex, Relay and 2 more.

Wise Business is a paid product, starting at $31 one-time set-up fee, then per-transaction fees. 6 of the 7 alternatives are free or have a free plan.

Listings checked up to Nov 13, 2026 · Where the facts come from

Black Friday: is there a Wise Business sale?

At a glance

ToolPriceFree planRuns on
Wise BusinessThis toolFrom $31 one-timeNoWeb, iOS, Android
AirwallexFree plan · from $12/moYesWeb, iOS, Android
MercuryFree plan · from $29.90/moYesWeb, iOS
VeemFree plan · from $24.99/moYesWeb
BrexFree plan · from $12/moYesWeb, iOS, Android
RelayFree plan · from $30/moYesWeb, iOS, Android
Cashfree PayoutsPaidNoWeb
StatrysFree planYesWeb, iOS, Android

How each one differs from Wise Business

  1. Airwallex

    Multi-currency business accounts, cards, bill pay and expenses

    • Airwallex starts at $12 per Spend user / month, plus a platform fee based on team size.
    • Airwallex has a free plan, which Wise Business lacks.
    • Airwallex also covers invoicing, expense tracking and bill pay.

    Suits: Businesses that pay suppliers or staff in other countries

    Airwallex vs Wise BusinessAirwallex pricing and details

  2. Mercury

    Business banking with cards, expenses, bill pay and invoicing

    • Mercury starts at $29.90 per month, billed annually.
    • Mercury has a free plan, which Wise Business lacks.
    • Mercury lists no Android app, which Wise Business has.
    • Mercury also covers invoicing, bookkeeping, expense tracking, payroll and bill pay.

    Suits: Startups and small companies that want banking and spend controls in one account

    Mercury vs Wise BusinessMercury pricing and details

  3. Veem

    Cross-border and domestic business payments with a wallet

    • Veem starts at $24.99 per month.
    • Veem has a free plan, which Wise Business lacks.
    • Veem lists no iOS and Android apps, which Wise Business has.
    • Veem also covers workflow automation, invoicing and bill pay.

    Suits: Small businesses paying overseas suppliers and contractors

    Veem vs Wise BusinessVeem pricing and details

  4. Brex

    Corporate cards, expenses, bill pay and travel for growing companies

    • Brex starts at $12 per user / month, billing term not stated.
    • Brex has a free plan, which Wise Business lacks.
    • Brex also covers reports, expense tracking and bill pay.

    Suits: Startups that want corporate cards and expenses at no software cost

    Brex vs Wise BusinessBrex pricing and details

  5. Relay

    Online business banking with bill pay, cards and expenses

    • Relay starts at $30 per month.
    • Relay has a free plan, which Wise Business lacks.
    • Relay also covers invoicing, bookkeeping, expense tracking and bill pay.

    Suits: Small businesses that want banking, cards and bill pay in one account

    Relay vs Wise BusinessRelay pricing and details

  6. Cashfree Payouts

    Bulk and instant bank payouts across India, by dashboard or API

    • Cashfree Payouts lists no iOS and Android apps, which Wise Business has.
    • Cashfree Payouts also covers reports, bill pay and partner payouts.
    • Cashfree Payouts does not cover company cards, which Wise Business does.

    Suits: Indian businesses paying vendors, sellers or gig workers in volume

    Cashfree Payouts vs Wise BusinessCashfree Payouts pricing and details

  7. Statrys

    Multi-currency business account with accounting and company setup

    • Statrys starts at HKD 891 per month and up (Accounting).
    • Statrys has a free plan, which Wise Business lacks.
    • Statrys also covers bookkeeping and expense tracking.

    Suits: Hong Kong and Asia-focused businesses that pay suppliers in several currencies

    Statrys vs Wise BusinessStatrys pricing and details

Limits worth knowing in Wise Business

  • Wise says it is not an FDIC-insured bank; pass-through FDIC cover of up to $250K applies only to interest-earning funds held at program banks.
  • Receiving a USD wire or Swift payment costs a fixed $6.11; domestic non-wire payments in nine currencies are free.
  • ATM withdrawals are free up to $250 a month; after that each one costs $1.95 plus 1.95%.
  • Sending and converting fees differ by currency, and a volume discount starts once conversions pass $25,000.
Wise Business pricing and details

Common questions

What are the alternatives to Wise Business?

The alternatives to Wise Business in this directory are Airwallex, Mercury, Veem, Brex, Relay, Cashfree Payouts and Statrys. Each one has a side-by-side comparison with Wise Business.

Is there a free alternative to Wise Business?

Yes. Airwallex, Mercury, Veem, Brex, Relay and Statrys have a free plan alongside paid ones.

When were these prices checked?

Each listing shows its own date. On this page they run from Oct 18, 2026 to Nov 13, 2026. Vendors change prices without notice, so confirm on their site before you buy.