Wise Business review (2026): is it worth $31?
Multi-currency business account for international payments
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Wise Business report card
Fair · out of 4.0 · graded Nov 13, 2026
Best for paying and getting paid in other currencies
Wise Business is a multi-currency account for paying suppliers abroad and getting paid in other currencies, with team cards and accounting sync. There's a $31 one-time set-up fee, then charges on every transfer, conversion and some receipts.
Who Wise Business is for
- Fits if you pay suppliers or contractors abroad and want to see the fee before sending
- Works for businesses that get paid in several currencies and want local account details
Who Wise Business is not for
- Skip it if you want a monthly flat price, as fees depend on the currency and amount
- Tight if you receive USD wires or Swift payments: each costs a fixed $6.11
- Pricey if you use ATMs a lot: free up to $250 a month, then $1.95 plus 1.95% each
- Watch out: Wise says it isn't an FDIC-insured bank, and pass-through cover applies only to interest-earning funds
- Watch out: a volume discount only starts once conversions pass $25,000
Why Wise Business gets a 2.2
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- BValue for moneyA $31 one-time set-up fee is under a year of the category's middle subscription, but the fees on every transfer and conversion are where the real cost sits.
- FFree plan and trialNo free plan or trial. Opening the account is free, but account details in 22 currencies need the $31 fee.
- BFeaturesInternational transfers, account details in 22 currencies, team cards, accounting sync and interest on balances. Nothing in the listing shows a gap in the core work.
- CEase of useNo store rating on record. You open the account, verify the business and set up currencies.
- BPlatforms and integrationsWeb, iPhone and Android, with QuickBooks, Xero and Sage. No desktop app.
What these grades rest on. Graded from this listing, whose facts were read from Wise's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.
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<a href="https://toolgpa.com/tools/wise-business#review"><img src="https://toolgpa.com/badge/wise-business.svg" alt="Wise Business: 2.2 GPA on ToolGPA" width="196" height="56"></a>Where Wise Business stands among spend and bill pay tools
Wise Business's GPA of 2.2 is higher than 46 of the 76 other spend and bill pay tools we grade, and level with 8.
It stands best on value for money (B, above 61 of 76) and worst on free plan and trial (F, above 0).
Each grade against the category
Every bar is all 77 spend and bill pay tools we grade, cut by the letter each got. Wise Business’s own letter is outlined.
- BValue for moneyAbove 61 of 76, level with 8
- FFree plan and trialAbove 0 of 76, level with 42
- BFeaturesAbove 61 of 76, level with 15
- CEase of useAbove 0 of 76, level with 64
- BPlatforms and integrationsAbove 18 of 76, level with 57
Keep Wise Business, or make your own?
Keep it
To replace Wise Business you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
It costs $31, paid once.
What you could not
- Cards issued through a bank.
- A real app for iOS and Android. Something home-made would be a web page.
- It plugs into other products, QuickBooks, Xero and Sage Business Cloud Accounting among them, and has an API.
- What a company asks for before it lets staff use something: roles and permissions.
- The depth: we grade its features B, which means it covers the whole job.
What this rests on. Wise Business’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Wise Business?
Wise Business is a multi-currency account for companies that pay suppliers and contractors abroad and get paid in other currencies. It holds balances in many currencies, sends and receives transfers, issues team cards with spending controls, and syncs to accounting software. Wise charges a one-time set-up fee and then per-transaction fees rather than a subscription.
Worth knowing
- 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.
Key features
- International transfers
- Send money to other countries with fees that vary by currency and start from 0.23%. The site says BatchTransfer can pay up to 1,000 contractors at once.
- Account details in 22 currencies
- Receive payments from abroad in USD, EUR, GBP and other currencies. Receiving USD wire and Swift payments carries a fixed fee.
- Multi-Currency Cards for the team
- Physical and digital cards for staff, with custom spending permissions and team access settings.
- Accounting software sync
- Connects the account to accounting software, including QuickBooks, Xero and Sage Business Cloud Accounting, for reporting in each currency.
- Interest on balances
- An opt-in feature that pays a variable rate on USD, GBP and EUR balances. The page quotes 3.4% variable APY on USD.
Wise Business pricing
As of Nov 13, 2026, Wise Business is a paid product, starting at $31 one-time set-up fee, then per-transaction fees.
- Starts at
- $31 one-time set-up fee, then per-transaction fees
- Free plan
- None
- Free trial
- None listed
| Plan | Price | What you get |
|---|---|---|
| Wise Business account | $31one-time set-up fee | Opening the account is free; the one-time fee unlocks account details in 22 currencies. Transfers and conversions are charged per use. |
Read from wise.com on Nov 13, 2026. Prices change, so confirm with Wise Business before you buy.
Works with
- QuickBooks
- Xero
- Sage Business Cloud Accounting
Wise Business alternatives
- Wise Business vs Airwallex
Free plan · from $12/mo
- Wise Business vs Mercury
Free plan · from $29.90/mo
- Wise Business vs Veem
Free plan · from $24.99/mo
- Wise Business vs Brex
Free plan · from $12/mo
- Wise Business vs Relay
Free plan · from $30/mo
Common questions
Does Wise Business have a Windows app?
No Windows app was listed when its pages were read on Nov 13, 2026. Wise Business is listed for Web, iOS and Android.
Does Wise Business have a macOS app?
No macOS app was listed when its pages were read on Nov 13, 2026. Wise Business is listed for Web, iOS and Android.
Is Wise Business open source?
Wise Business is not described as open source on its own site, as read on Nov 13, 2026.
Does Wise Business have an API?
Yes. Wise Business offers a public API, according to its own site.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 13, 2026.