Wise Business alternatives
At a one-person business, Wise Business costs $22.60 a month. 2 business bank accounts cost less, from $0 (Mercury). The closest match, Airwallex, covers 92% of what Wise Business does. Each one shows how much of it it covers, capability by capability, next to the price.
What Wise Business does
Core: Multi-currency balances, International vendor payments.
Important: Business bank account (partly), Company cards, Users, roles & approvals (partly), Interest & treasury, Accounting software sync (partly), Non-resident & multi-country onboarding.
Also has: Sub-accounts & pockets (partly), Extended deposit protection (partly), Bills & accounts payable (partly), Invoices & online payment (partly), Card payment acceptance (partly), Banking API, Multiple legal entities (partly).
Alternatives to Wise Business at a one-person business, best match first
- Airwallex: free Free Explore plan; SWIFT and FX fees extra abroad (Explore (free plan), 1 Spend user: $0 monthly, domestic transfers free. The page shows no annual prices, so monthly is t). It covers 92% of Wise Business; missing or partial: Interest & treasury (partly), Extended deposit protection. Free plan: Explore: $0/month for up to 10 Spend users; domestic USD and CAD transfers free; no balance or deposit requirement shown.. Last price hike: Aug 2025.
- Mercury: free, $271 a year less than Wise Business (Mercury (free)). It covers 74% of Wise Business; missing or partial: Multi-currency balances, International vendor payments (partly), Interest & treasury (partly), Non-resident & multi-country onboarding (partly). Free plan: Mercury: $0/mo business checking and savings, free domestic ACH and wires, free USD international wires, no minimum balance.
Other kinds of products that cover part of Wise Business
- Brex (Expenses & spend): covers 64% of Wise Business; missing or partial: Multi-currency balances, International vendor payments (partly), Non-resident & multi-country onboarding, Invoices & online payment, Card payment acceptance
- Shopify (E-commerce platforms): covers 62% of Wise Business; missing or partial: Multi-currency balances, International vendor payments, Company cards (partly), Non-resident & multi-country onboarding (partly), Bills & accounts payable
- Ramp (Expenses & spend): covers 56% of Wise Business; missing or partial: Multi-currency balances, International vendor payments (partly), Interest & treasury (partly), Non-resident & multi-country onboarding (partly), Sub-accounts & pockets
- Square (Payments & merchant of record): covers 54% of Wise Business; missing or partial: Multi-currency balances, International vendor payments, Company cards (partly), Interest & treasury (partly), Non-resident & multi-country onboarding (partly)
- QuickBooks Online (Accounting): covers 46% of Wise Business; missing or partial: Multi-currency balances, International vendor payments, Company cards (partly), Interest & treasury, Non-resident & multi-country onboarding
- BILL Accounts Payable (Expenses & spend): covers 34% of Wise Business; missing or partial: Multi-currency balances, International vendor payments (partly), Company cards, Users, roles & approvals, Interest & treasury
Prices at every size
- Wise Business: a one-person business $22.60/mo, a 5-person company with payment approvals $67.80/mo, $10,000 a month paid abroad $54.15/mo (+$31 one-time setup fee)
- Airwallex: a one-person business free, a 5-person company with payment approvals free, $10,000 a month paid abroad $50/mo (Free Explore plan; SWIFT and FX fees extra abroad)
- Mercury: a one-person business free, a 5-person company with payment approvals free, $10,000 a month paid abroad $100/mo
Prices are the monthly plan or account fee plus the transfer fees each scenario runs up, in USD on monthly billing (annual-only plans divided by 12, local-currency prices converted at the current rate, before VAT). Interest earned, one-off setup fees and ATM, cash and card-replacement fees are left out; exchange-rate costs count only in the international-payments scenario.
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Everything about Wise Business's own prices and price hikes: Wise Business.