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Low-cost international payments and multi-currency accounts
Wise (formerly TransferWise) Business is a platform for low-cost international payments and multi-currency accounts, letting businesses send, receive, hold, and spend money in 40-plus currencies at the mid-market exchange rate with transparent, low fees. It is popular with businesses that operate across borders and want to avoid the high FX markups of traditional banks.
The platform provides multi-currency accounts with local account details in 20-plus markets (so businesses receive payments like a local), international transfers at the mid-market rate plus a low declared fee, a business debit card, batch payments, and integrations with accounting tools. Its transparency and low FX cost make it a go-to for cross-border payments and holding foreign currencies.
Wise Business has no monthly fee and no minimum balance, with a one-time account setup fee of around 31 dollars (US), FX conversions at the mid-market rate plus a fee starting from about 0.33 percent (varying by currency pair), and SWIFT inbound charges from around 6 dollars per transfer. Aimed at businesses with international operations, it competes with Mercury, Payoneer, Brex, Ramp, and Revolut.
Pricing Model
freemium
Starting Price
$0/mo
Free Options
Free version, Free trial
| Feature | Business Account | International Payments |
|---|---|---|
| No monthly fee | — | |
| No minimum balance | — | |
| One-time setup ~31 dollars | — | |
| 40+ currencies | — | |
| Mid-market rate | — | |
| FX from about 0.33 percent | — | |
| Mid-market rate plus fee | — | |
| Local details in 20+ markets | — | |
| Batch payments | — | |
| SWIFT inbound from ~6 dollars | — |
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Compliance Standards
SOC 2 Type II
EnterpriseISO 27001
EnterpriseGDPR Compliant
GlobalHIPAA
HealthcarePCI DSS
FinanceCCPA
PrivacyFedRAMP
GovernmentCSA STAR
CloudDeployment & Data
Data Residency Options
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Business banking built for startups
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