# Wise Business review (2026): is it worth $31? > Multi-currency business account for international payments Checked Nov 13, 2026 ยท graded Nov 13, 2026 by ToolGPA. 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. - **Category:** Spend & Bill Pay - **Made by:** Wise Payments Limited - **Website:** https://wise.com/us/business/ - **Runs on:** Web, iOS, Android - **Who should skip it:** Skip it if you want a monthly flat price, as fees depend on the currency and amount. - **Facts last checked:** Nov 13, 2026 ## Pricing As of Nov 13, 2026, Wise Business is a paid product, starting at $31 one-time set-up fee, then per-transaction fees. - **Pricing model:** Paid - **Free plan:** None. - **Free trial:** None listed. | Plan | Price | What you get | | --- | --- | --- | | Wise Business account | $31 one-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 https://wise.com/us/pricing/business on Nov 13, 2026. Prices change, so confirm with Wise Business before buying. ## 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. ## Good for - Businesses that pay suppliers or contractors in other countries - Companies that invoice customers in several currencies - Teams that want per-person cards separate from the main balance ## 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. ## ToolGPA grades **GPA: 2.2 out of 4**, graded Nov 13, 2026. 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. - **Value for money: B.** A $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. - **Free plan and trial: F.** No free plan or trial. Opening the account is free, but account details in 22 currencies need the $31 fee. - **Features: B.** International 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. - **Ease of use: C.** No store rating on record. You open the account, verify the business and set up currencies. - **Platforms and integrations: B.** Web, iPhone and Android, with QuickBooks, Xero and Sage. No desktop app. These are ToolGPA's own grades. 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. ## Where it 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). The category's chart of price against score: https://toolgpa.com/charts/expenses ## Keep it, 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. - You could not: Cards issued through a bank. - You could not: A real app for iOS and Android. Something home-made would be a web page. - You could not: It plugs into other products, QuickBooks, Xero and Sage Business Cloud Accounting among them, and has an API. - You could not: What a company asks for before it lets staff use something: roles and permissions. - You could not: The depth: we grade its features B, which means it covers the whole job. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## Works with QuickBooks, Xero, Sage Business Cloud Accounting **Tags:** Company cards, Public API ## Alternatives - [Airwallex](https://toolgpa.com/tools/airwallex): Multi-currency business accounts, cards, bill pay and expenses. [Compare](https://toolgpa.com/compare/airwallex-vs-wise-business) - [Mercury](https://toolgpa.com/tools/mercury): Business banking with cards, expenses, bill pay and invoicing. [Compare](https://toolgpa.com/compare/mercury-vs-wise-business) - [Veem](https://toolgpa.com/tools/veem): Cross-border and domestic business payments with a wallet. [Compare](https://toolgpa.com/compare/veem-vs-wise-business) - [Brex](https://toolgpa.com/tools/brex): Corporate cards, expenses, bill pay and travel for growing companies. [Compare](https://toolgpa.com/compare/brex-vs-wise-business) - [Relay](https://toolgpa.com/tools/relay): Online business banking with bill pay, cards and expenses. [Compare](https://toolgpa.com/compare/relay-vs-wise-business) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 13, 2026: - https://wise.com/us/pricing/business - https://wise.com/us/business/ Page: https://toolgpa.com/tools/wise-business Listed by ToolGPA (toolgpa.com).