Business International business

Wise Business Pricing Explained (US)

Madi Corr

13.03.26

Read time 1 minute

Having trouble deciding which Wise Business account is best for your business? We’re breaking down the differences between the ‘Essential’ and ‘Advanced’ plans so you can make an informed decision.

Wise Business Essential

With a free Wise Business Essential plan, you’ll get access to all the tools you need to send money around the world and manage your business’ finances in multiple currencies.

That means you can:

Send up to 1,000 international payments in one go with BatchTransfer
Hold and convert your business funds in multiple currencies
Earn a return on your money with the interest feature
Sync with accounting software like QuickBooks, Xero and more
Add team members to your account
Issue and manage Wise Multi-Currency Cards for your team

The Essential plan offers an opportunity to explore how Wise Business works and start sending for free. It’s a great option if your business regularly pays suppliers and vendors overseas and makes it easy to pay all your bills in 40+ currencies in just a few clicks.

Plus, the account will help you cut down on your admin time so you can spend less time processing payments and more time on growth.

Create a Wise Business account

Wise Business Advanced

Have customers or partners overseas? The Wise Business Advanced plan is probably right for you and your team. In addition to all the benefits of the Essential plan, Advanced gives you the ability to:

Receive money in 23+ currencies
Get paid via single-use and reusable payment links and QR codes
Accept payments by credit card, debit card and Apple Pay
Set up direct debits
Create professional invoices for free in a few simple steps

That means it’s easier, faster and more affordable for customers to pay you, regardless of where they’re based. Plus, in 8+ currencies, you can create local account details to accept money from overseas as if your business was based there. That means that if you operate a US-based business with customers in the EU, they can pay you directly to your EU account details — zero foreign transaction fees.

Wise Business never auto-converts your money, so you can hold your funds in the foreign currencies or convert them when the exchange rate works for you. This makes it easy to manage your global cash flow and FX exposure.

Our Advanced plan works best for growing businesses and freelancers who send and receive frequently and want to save money as they scale. If that sounds like you, sign up for a one-time fee of 31 USD.

Explore Wise Business Advanced in our demo

Create a Wise Business account

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.