Wise Business alternatives (October 2026)
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5 multi-currency business accounts to consider instead of Wise Business, ranked on the same published prices, free plans and features. Wise Business ranks 5th of 6 in our multi-currency business accounts ranking with 65/100. 4 of them start cheaper.
Wise Business at a glance. From USD 31 one-time. Free plan: no. Local account details in several currencies: yes. Debit or virtual cards: yes. No monthly fee option: yes. Full pricing.
The alternatives
- 1
Airwallex
Lowest entry priceGlobal business account with multi-currency accounts, cards and FX at 0.5% above interbank for major currencies.
Compared with Wise Business
- Cheaper entry price: USD 12 against USD 31 (61% less)
- Has a free plan; Wise Business does not
100/100Free plan, then USD 12 per user per month + platform fee - 2
Payoneer
Best free starting pointReceiving accounts in major currencies for freelancers, marketplaces and exporters; widely used in Africa and Asia.
Compared with Wise Business
- Cheaper entry price: USD 29.95 against USD 31 (3% less)
- Has a free plan; Wise Business does not
85/100Free plan, then USD 29.95 per year if under USD 6,000 - 3
Mercury
Best free starting pointUS business banking with no monthly fee on the base plan; popular with founders who form a US company remotely.
Compared with Wise Business
- Cheaper entry price: USD 29.90 against USD 31 (4% less)
- Has a free plan; Wise Business does not
75/100Free plan, then USD 29.90 per month - 4
Revolut Business
Good all-round optionBusiness account with multi-currency balances, cards and an FX allowance at the interbank rate.
Compared with Wise Business
- Cheaper entry price: USD 13.23 against USD 31 (57% less)
68/100From GBP 10 per month (≈ USD 13.23) - 5
Grey
Best free starting pointUSD accounts with full banking details for businesses in emerging markets, with payouts to 170+ countries.
Compared with Wise Business
- Has a free plan; Wise Business does not
55/100Free
Side by side
| Product | Score | Entry price | Free plan | Local account details in several currencies | Debit or virtual cards | No monthly fee option |
|---|---|---|---|---|---|---|
| Wise Business | 65 | USD 31 | No | Yes | Yes | Yes |
| Airwallex | 100 | USD 12 | Yes | Yes | Yes | Yes |
| Payoneer | 85 | USD 29.95 | Yes | Yes | Yes | Yes |
| Mercury | 75 | USD 29.90 | Yes | No | Yes | Yes |
| Revolut Business | 68 | USD 13.23 | No | Yes | Yes | No |
| Grey | 55 | — | Yes | Not confirmed | Not confirmed | Yes |
Entry price is the cheapest paid plan in USD. Scores use the formula on the best multi-currency business accounts page; commissions never change them.