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Spend worldwide with total control

Give your team physical and digital cards, track every payment, and spend in 40+ currencies with transparent FX fees.

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Two Wise cards featuring a vibrant, multicoloured textured pattern, shown with five circular colour swatch options.
Order physical and digital cards
Close-up of a customer paying for a meal with a contactless green Wise card over a receipt totalling 42.80.

Spend in 40 currencies worldwide

Wise app widget for Elaine's digital card ending in 1234, showing a spending daily limit of 100 GBP.
Set spending limits and controls
Person on a couch tracking expenses on a laptop displaying a Wise business account dashboard next to a green card.
Manage cards and expenses in one place
App screen showing a pending 41.80 GBP payment to Ryman Stationary with an "Add receipt" task badge.
Capture receipts on the go
Grid of compatible accounting platform logos: Xero, QuickBooks, Sage, Oracle NetSuite, Zoho, and FreshBooks.
Sync with your accounting software

Spend anywhere your business takes you

A green debit card with the Wise logo centred over a colourful abstract globe on a light green background.
Send cards to your team worldwide

Whether they're in the office or on the other side of the world, we'll get a card to them.

Customer tapping a green card with the Wise logo onto a white contactless card reader over a counter.
Accepted in over 160+ countries

Pay in person, online, and abroad with a card built for global business.

Multi-currency graphic showing global flags from the US, EU, Canada, Japan, and others with a plus button.

Spend in 40 currencies worldwide

Spend directly from your balances and help avoid unnecessary conversions. Learn about fees.

Spend at the mid-market rate

Get a mid-market exchange rate similar to the one shown on Google, with no hidden markup. Learn more

No annual card fees

Order and use your Wise Business card with no annual card fees. Learn about pricing.

Avoid unnecessary conversion fees

If you hold multiple currencies, your card automatically uses the one with the best rate.

Freedom for your team. Control for your business.

Keep every budget on track

Set spending limits for individuals, cards, or groups, so teams can spend confidently.

UI list of team spending limits for Elaine (450 GBP), Reed (200 GBP), and Nicole (150 GBP) with remaining balances.

Organise spending your way

Group cardholders by team, project, or location, to track spending and manage expenses.

Card group management interface showing card breakdowns for marketing, leadership, and sales teams.

Control access with confidence

Invite team members, manage access levels, and freeze cards to help keep company funds secure.

Card controls interface for Elaine's marketing team card, featuring a clear "Block Spending" action button.

Expenses that practically manage themselves

App screen showing a pending 41.80 GBP Ryman Stationary expense with a "To do" prompt to add a receipt.
Snap and submit receipts on the go

Get instant receipt reminders so expenses are captured while they're still fresh.

Automate your accounting

Connect with Xero, QuickBooks, FreeAgent and more to automate your bookkeeping.

Desk workspace with a laptop, blueprints, blue notebook, and a dark green debit card with the Wise logo.
Set flexible spending limits

Control who can spend, where, and how much with flexible spending limits.

Hear from businesses already scaling with Wise

“Traditional banks couldn't handle transactions to Bulgaria in a non-local currency, resulting in exorbitant fees. That's why we chose Wise.”

Stela and Momchil
Founders of @BeeHype

“Using a traditional bank for international payments can be a nightmare if you're not super familiar with the process. With Wise Business, it’s so easy and effortless.”

Suzanne Noble
Startup School for Seniors

“Our team can access our accounts and the app is so intuitive to use compared to high street banks. Plus, integration with software like Xero and QuickBooks is really easy.”

Anthony Rose
 Co-founder of SeedLegals

“We really value Wise coverage... ultimately, we wouldn't push into a market we cannot properly operate in, and Wise is crucial for our business operations in new markets.”

Pavlo & Vitaliy
Founders of Mathema.me

Solutions for every kind of business

A man with glasses sits at a desk, looking down at a laptop. He is wearing a distinctive orange jacket. In the background, a brick wall is visible. The words "FOR SMALL BUSINESSES" are displayed in white text at the top of the image, and a green circle with a white plus sign is in the bottom right corner.

For small businesses

A woman wearing a green shirt sits at a desk, smiling. In front of them is a purple tablet propped up in a grey case. Behind them, a wall is covered with various photos, drawings, and numerous colourful sticky notes, suggesting a creative workspace. The words "FOR STARTUPS" are displayed in white text at the top of the image, and a green circle with a white plus sign is in the bottom right corner.

For startups

A person, seen from an overhead angle, is working on a laptop at a table. They are wearing a blue beanie and dark-rimmed glasses. The words "FOR FREELANCERS" are displayed prominently at the top of the image in white text, and a green circle with a white plus sign is in the bottom right corner.

For freelancers

FAQS

Wise is not a bank. We are an authorised payment institution. This means that Wise doesn’t have a traditional banking licence and doesn’t protect your money in the way that banks do. We use a measure known as safeguarding. This is where customer money is kept separately from business funds, in an account held with a trusted banking institution. Learn more

Wise Business debit cards come with default and maximum limits. You can choose or change these in your app. You can also turn off specific features like contactless payments, for individual cards. See here for more information on spending limits.

You can pay with your Wise Business card almost anywhere in the world, but there are a few exceptions. So if you're going abroad, check if your destination is listed below.
Your card won't work in these countries:
Afghanistan, Burundi, Central African Republic, Chad, Congo and DR of Congo, Cuba, Eritrea, Iran, Iraq, Libya, North Korea, Palestinian Territories, Somalia, Sudan and South Sudan, Syria, Venezuela, and Yemen.

The first card on your Wise Business account is included in your one-time account setup fee. After that, cards for team members cost 3 GBP each.
And that’s it! Your Wise Business account gives you everything you need for international banking and we don’t charge any subscription fees.
Spending on our cards is designed to be in the local currency. So you don’t get hit with foreign transaction fees. If you don’t have the currency in your account, our Smart Conversion technology will automatically convert the balance that has the lowest conversion fee.

We offer 0.5% cashback on eligible business card transactions to businesses with Wise Business accounts registered in the UK.
You can get cashback on all transactions with your business card(s), except:
  • Cash or cash-like transactions, like ATM withdrawals, or cashbacks and purchases of gift vouchers
  • Gambling transactions, including bookmakers and casinos
  • Payments to financial institutions (like a credit card provider)
  • Payments connected to commodities, investments, savings or cryptoassets
  • Payments to government bodies or tax authorities
Cashback is a way for us to pass part of our margins back to you. We need to make sure we do so sustainably both for you and for our business, so we might change the cashback rate in the future — but we’ll always let you know first.
See this for more information on card cashback for business.

Check our help center for answers.

Start sending business payments with Wise

One-time ₱1,400.00 setup fee applies to get local account details. No monthly subscription fees.

See pricing