The Wise Business Insider’s Guide
Everything we know about Wise Business in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Wise Business
The Insider’s Guide
Multi-currency business account for international payments
Every plan, grade, refund rule and rival among spend and bill pay tools, read from Wise Business’s own pages.
Made by Wise Payments Limited · checked Nov 13, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Wise Business’s own pages, its app-store listings and our grades. Every fact in it is on Wise Business’s page too, where it is kept up to date. Checked Nov 13, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.2
GPA, above 46 of the 76 other spend and bill pay tools we grade
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.
To get you started, here are 8 things to know about Wise Business, taken from its own pages and our grades.
You open the account, verify the business and set up currencies.
- 1
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.
- 2
What it costs
Paid plans start at $31 one-time set-up fee, then per-transaction fees.
- 3
It runs on 3 platforms
Web, iOS and Android.
- 4
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.
- 5
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.
- 6
Multi-Currency Cards for the team
Physical and digital cards for staff, with custom spending permissions and team access settings.
- 7
A 2.2 GPA, above 46 of 76
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 8
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.
Wise Business at a glance
- Pricing
- Paid, from $31 one-time set-up fee, then per-transaction fees
- Free plan
- No
- Free trial
- None stated
- Runs on
- Web, iOS, Android
- Made by
- Wise Payments Limited
- Category
- Spend & Bill Pay
- Our grade
- 2.2 GPA, fair
The report card
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.
| Subject | Grade | Comment |
|---|---|---|
| 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. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
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 it 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
Good to know
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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$31 one-time
To start
Wise Business is a paid product, starting at $31 one-time set-up fee, then per-transaction fees.
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 wise.com on Nov 13, 2026.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
3
Places it runs: Web, iOS and Android
Multi-currency business account for international payments. Here is what it does, as its own site describes it, and what it covers: public API, company cards.
Nothing in the listing shows a gap in the core work.
- 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.
Where it runs
- Web
- iOS
- Android
What it works with
- QuickBooks
- Xero
- Sage Business Cloud Accounting
Wise Business is made by Wise Payments Limited.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
46/76
Other spend and bill pay tools it is graded above
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
- FFree plan and trialAbove 0 of 76
- BFeaturesAbove 61 of 76
- CEase of useAbove 0 of 76
- BPlatforms and integrationsAbove 18 of 76
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
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.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Airwallex, Mercury, Veem, Brex and Relay
The 5 tools Wise Business is most often weighed against, with where each one differs from it.
- 3.2GPA
Airwallex
Free plan · from $12/mo
Multi-currency business accounts, cards, bill pay and expenses.
- Airwallex has a free plan. Wise Business does not.
- Airwallex also covers invoicing, expense tracking and bill pay.
- 3.0GPA
Mercury
Free plan · from $29.90/mo
Business banking with cards, expenses, bill pay and invoicing.
- Mercury has a free plan. Wise Business does not.
- Only Wise Business lists an Android app.
- Mercury also covers invoicing, bookkeeping, expense tracking, payroll and bill pay.
- 2.2GPA
Veem
Free plan · from $24.99/mo
Cross-border and domestic business payments with a wallet.
- Veem has a free plan. Wise Business does not.
- Only Wise Business lists iOS and Android apps.
- Veem also covers workflow automation, invoicing and bill pay.
- 3.6GPA
Brex
Free plan · from $12/mo
Corporate cards, expenses, bill pay and travel for growing companies.
- Brex has a free plan. Wise Business does not.
- Brex also covers reports, expense tracking and bill pay.
- 2.8GPA
Relay
Free plan · from $30/mo
Online business banking with bill pay, cards and expenses.
- Relay has a free plan. Wise Business does not.
- Relay also covers invoicing, bookkeeping, expense tracking and bill pay.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
12
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Wise Business free?
No. Wise Business is a paid product, starting at $31 one-time set-up fee, then per-transaction fees.
How much does Wise Business cost?
Wise Business lists one plan. Wise Business account: $31 one-time set-up fee.
What platforms does Wise Business work on?
Wise Business is available on Web, iOS and Android.
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.
What does Wise Business integrate with?
Wise Business's listing names QuickBooks, Xero and Sage Business Cloud Accounting.
Who makes Wise Business?
Wise Business is made by Wise Payments Limited.
What are the alternatives to Wise Business?
The closest alternatives to Wise Business in our directory are Airwallex, Mercury, Veem, Brex and Relay.
How does Wise Business compare with other 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.
Could I make my own version of Wise Business?
To replace Wise Business you would be making cards issued through a bank.
Where this guide comes from
The prices, plans, platforms and features were read from Wise Business’s own pages on Nov 13, 2026, and the grades were given on Nov 13, 2026. 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.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Wise Payments Limited. Prices change, so check wise.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
7,721
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
7,721
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Wise Business, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/wise-business
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Wise Business: The Insider's Guide", checked Nov 13, 2026. https://toolgpa.com/tools/wise-business
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/wise-business/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded spend and bill pay tools after Wise Business, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 77 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Ramp Insider's GuideCorporate cards, expenses, travel and bill pay, with a free plan3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Wise Business’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Wise Business is a trademark of its owner, and this guide is not made, paid for or approved by Wise Payments Limited. Prices and plans change: check wise.com before you buy.