Wise Business pricing in 2026: every plan, what it costs and who it suits
Let's put real numbers on Wise Business and what each plan gets you. Wise Business is a business banking / fx tool offering paid plans only; its paid tiers are summarised below from public plans current at the time of writing.
Multi-currency business account with mid-market FX rates and local details across major markets. Wise Business keeps things paid-only, so budget for a subscription from day one. Multi-currency business account with mid-market FX rates, local account details in many currencies and cheap international payments.
Plans & pricing tiers
| Plan | Price (approx.) | What's included |
|---|---|---|
| Account opening | One-time (US $31 / UK £50) | No monthly fee |
| Currency conversion | from ~0.33% | Mid-market rate plus low fee |
Pricing here reflects published tiers at the time of writing; confirm current costs, billing cycle and local taxes with the vendor.
Prices verified 2026-06-28 from public vendor pricing. Plans and prices change — always confirm on the vendor's own site. No price here is guaranteed.
What you're paying for
The capabilities you are paying for with Wise Business include:
- Multi-currency account holding 40+ currencies
- Local account details in major markets (UK, US, EU, AU, SG)
- Mid-market FX rates with low conversion fees
- Batch payments and business debit cards (region-dependent)
- Open banking and accounting integrations
Feature availability varies by tier, so cross-check the plan column before settling on one.
Which plan to pick
Wise Business is built for cross-border SMBs and businesses making frequent international payments. Match that description and the Account opening plan (One-time (US $31 / UK £50)) is where to start; a higher tier earns its cost only when you need multi-currency.
Is Wise Business worth it?
Paid access starts at roughly $31 per month. If international payments is your goal, start low: the cheapest paid tier covers it for most users, and multi-currency is what eventually pushes you up a level. If money is tight, weigh the entry tier against rival tools before you commit.
Pricing watch-outs
- One-time account setup fee (e.g. US $31, UK £50).
Drawn from independent reviews and the vendor's own plan details (see sources below).
Wise Business keeps pricing relatively flat per tier, so the main decision is which plan's features you need rather than how heavily you'll use it.
Pricing FAQ
Does Wise Business have a free plan?
Wise Business is a paid tool without a standing free plan; check its site for any current trial or money-back window.
How much does Wise Business cost?
Its cheapest paid plan, Account opening, lists at One-time (US $31 / UK £50). Paid access starts at roughly $31 per month. The exact bill depends on billing cycle and how many seats or how much usage you need.
Is there a cheaper alternative to Wise Business?
Other business banking / fx tools cover the same job at different price points; compare their entry tiers before you decide.
Is Wise Business worth the price for international payments?
For international payments it generally earns its cost at the entry tier; if that's only a side need, weigh it against a cheaper specialist first.
Which Wise Business plan should I choose?
If you fit that profile, begin on the Account opening plan (One-time (US $31 / UK £50)) and upgrade later, when multi-currency becomes a real constraint.
Sources
Figures and facts on this page are drawn from the following Wise Business sources, so you can verify them yourself: