Wise Business

International business payments at real exchange rates.

Best for: Businesses making regular international payments who are losing money to bank exchange rate markups.

Free plan

4.6/5Editorial score 90/100wise.com

Entry plan

Free account

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Editorial score90/100

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The editorial note

What to know about Wise Business

Wise Business is a multi-currency business account that enables companies to hold, send, and receive money in 40+ currencies at the real mid-market exchange rate — without the hidden markups most banks add to international transfers. Used by freelancers, small businesses, and companies with international operations, Wise Business provides local bank details in multiple currencies (GBP, EUR, USD, AUD, CAD) so international clients pay as if to a local account. The debit card and batch payment features extend it to expense management and paying international teams.

Is it right for you?

Who Wise Business suits

Choose it if

Businesses making regular international payments who are losing money to bank exchange rate markups.

Look elsewhere if

Businesses needing full-service banking with credit facilities, loans, and cash handling — traditional business banks or neobanks like Brex or Mercury provide more comprehensive banking services for businesses requiring credit products alongside their accounts

What you get

Key features

Multi-currency account
40+ currency support
Local bank details (USD, EUR, GBP, AUD)
Real mid-market FX rates
Batch payment tool
Business debit cards
Team access and permissions
API for automation

Works with

Integrations7

Xero QuickBooksFreeAgentSageOpen Banking APIsCSV exportZapier

What it costs

Pricing

Wise Business pricing plans
Plan	Price	What it includes
Free	Free accountBilled monthly	Multi-currency business account, local bank details in 10+ currencies, no monthly fee
Pay-as-you-go	From 0.33% per transferBilled monthly	Low-cost international transfers, competitive FX rates, SWIFT payments, debit cards
Business plan	Variable (depends on usage)Billed monthly	Batch payments, team access, accounting integrations (Xero, QuickBooks), spend controls

Prices are recorded from the vendor's public pricing page and can change. Check before you buy.

The trade-off

Pros and cons

Pros

Real mid-market exchange rate with transparent fees — typically 8x cheaper than bank international transfers
Local bank account details in 40+ countries enable international clients to pay domestically
Batch payment feature sends up to 1,000 international payments at once for payroll and supplier payments
Multi-currency debit card works at the real rate for business travel and international purchases
Accounting integrations with Xero and QuickBooks sync transactions automatically

Cons

Not a full business bank account — no credit, overdraft, or business loans available
Higher fees for large volume transactions — FX costs at scale may favor dedicated FX brokers
Cash deposits not accepted — digital-only account unsuitable for cash-handling businesses
Customer support can be slow — email and chat only, no dedicated phone support for businesses

Quick read

At a glance

Category: Finance & Business Services
Pricing model: Freemium
Entry plan: Free account
Free plan: Available
Free trial: Not listed
Website: wise.com

The verdict

Our take on Wise Business

The international payment standard for businesses — real exchange rates save real money on every international transfer.

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