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The global account for startups

Save time and money as your startup grows. Receive investment and customer payments, pay suppliers, and manage 40+ currencies with Wise Business.

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Trusted by 900K+ businesses. From seed-stage startups to public companies.

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Stay in control of costs as you scale

Whether you’re paying suppliers, contractors or making high-value transactions, we'll always offer the mid-market exchange rate with transparent fees upfront.

Check our competitive rates with the interactive calculator before you send.

Enter new markets in minutes

Let customers pay you like a local with account details in USD, CAD, EUR and more — without opening accounts in every market.

Earn 3.39% (variable) APY* on USD

Instant access and passthrough FDIC insurance of up to $250,000 on your USD, GBP and EUR balances through our Program Bank* when you opt in to our interest feature. Learn more

The more you send, the more you save

Get discounts on monthly volumes over 25,000 USD or equivalent. Learn more about volume discounts.


  • Arrives
    by Tuesday
  • Total fees
    Included in USD amount
    4.91 USD volume discount
  • You're sending a lot so we discounted our fee

    Savings on this transfer, and eligible transfers for the rest of the month.

    Learn more about sending large amounts

    FDIC insured

    When you opt in to our Interest feature through our program bank. Learn more.

    Dedicated support

    24/7 customer support. Plus, eligible businesses get an expert account manager.

    Privacy and data

    We protect your details through strict standards and 2FA.

    Everything you need to do business globally

    Get paid across markets

    Get paid like you have accounts around the world, with 9+ currencies1, including USD, CAD and GBP in one account.2

    Receive Swift payments in 22+ currencies and convert when the rate works for you. 3

    Built by founders, for founders

    We built Wise Business to keep pace with your startup. Get set up in minutes, with easy-to-use tools and with features that support you as you grow.

    One account, built to keep up with your startup

    New markets, new investors, new hires, new currencies. As your startup grows, so does the complexity of managing your money.

    Wise Business brings your international finances into one place, so you can stay in control and focused on the next stage of growth.

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    77% of transfers arrive in seconds. 95% within a day*

    Move money fast, without the bank runaround. Get the mid-market exchange rate, with fees from 0.33%. Learn about pricing

    Learn more about sending money

    *Accurate as of Q1, 2026. Speed varies by user and transaction. Read more

    Peace of mind from day one

    Wise runs more than 7 million anti-fraud checks every day, while dedicated specialists are on hand to support you from the start.

    900k+ businesses move billions with Wise every year. Our promise is to protect every cent, dollar and peso with cutting-edge tech and anytime customer support.

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    Connect with the accounting software you already use

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    Open an account before money gets complicated

    Join the 900K+ businesses making multi-currency finances easy with a Wise Business account.

    1 An account setup fee (e.g. $31 in the US) may apply to unlock account details.

    2 Certain features may not be available in all regions and plans –– visit our feature availability checker and see our pricing plans. 
 All investment services are provided by the respective Wise Assets entity in your location.

    3 SWIFT receiving fees, correspondent bank fees, and currency conversion charges may apply.

    4 The current Program Bank is JPMorgan Chase Bank, N.A., see Appendix 1 of the Program Agreement for the most updated list of Program Bank(s). Eligible customers must opt in to the interest feature. Participants will have the balance of their USD funds held in their Wise Account “swept” into a Federal Deposit Insurance Corporation (“FDIC”) insured interest-bearing account at one or more participating banks (each, a “Program Bank”) that will hold and pay interest on the deposit funds. For a complete list of Program Banks, please see Appendix 1 of the Program Agreement. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Customers are responsible for monitoring their total assets at each of the Program Banks to determine the extent of available FDIC insurance coverage in accordance with FDIC rules. The Program is not intended to be a long-term investment option, checking or savings account, investment contract or security.

    5 Annual Percentage Yield (APY) - rates shown are true as of 17 December 2025. See Program Agreement for details.

    6 Wise is not a bank. The Wise Multi-Currency Card is issued by Wise’s sponsor Bank(s), member(s) FDIC, pursuant to licensing by Visa® U.S.A. Inc. Fees and T&Cs apply. See wise.com for details.