Wise Business Pricing in May 2026

Wise Business's pricing for international transfers follows mid-market exchange rate (no FX markup) plus a transfer fee that varies by currency pair (typically 0.4-1% of amount). Account fees: $0/month base for the standard account, $31 one-time setup fee, with optional add-ons for currency cards. Real-world Wise costs for businesses making international payments are dramatically lower than traditional bank wires — typically saving 1-3% per international transaction.

The free for 6 months offer waives setup fees and provides free use of the platform during the trial. Eligibility focuses on businesses with verified international payment needs. The strategic decision: Wise Business's value is the transparent fee structure and real exchange rates — no hidden FX markups, no SWIFT-driven multi-day delays for most corridors, and multi-currency accounts that hold balances in 50+ currencies. For startups paying international contractors, receiving payments from foreign customers, or managing multi-currency operations, Wise is measurably cheaper than traditional bank wires. The free trial is the right time to validate whether your international payment volume justifies a dedicated multi-currency account. For US startups primarily paying contractors via Deel, Remote, or similar EOR platforms, those platforms handle the international transfer concerns; Wise becomes useful for direct contractor payments outside of EOR services. For European businesses, Revolut Business competes with Wise on similar transparency, particularly strong in EMEA. For payment-marketplace use cases (different from B2B payments), Stripe Connect handles cross-border platform payments. For most distributed startups, Wise + Mercury (US banking) or Wise + Tide (UK) is a typical international-friendly setup.