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There's a free plan; paid tiers are quoted.
Wise Business starts at $0 per month for both Essential and Advanced, but that is not the whole cost. The pricing details list money transfers and currency conversion from 0.23%, plus a $31 one-time setup fee for Advanced. No setup fee is listed for Essential. Annual prices are not published. The main distinction is not a monthly tier jump: it is what you pay when sending, withdrawing cash, topping up wallets or receiving certain wire payments.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Essential | — | $0 | Businesses needing basic money transfers |
| Advanced | — | $0 | Businesses managing batch payments |
Add-ons and overages
- Sending and converting money from 0.23%
- ATM withdrawals over $250 per calendar month: $1.95 + 1.95%
- External e-wallet top-ups: 2%
- Advanced setup fee: $31 one time
- Advanced: receive GBP Swift payments for £2.16; EUR Swift payments for €2.39
02What the plan grid doesn't tell you
Transfer and conversion fees
Sending and converting money starts at 0.23%. The pricing details do not publish one flat rate for every transfer.
ATM withdrawals
Withdrawals over $250 per calendar month cost $1.95 plus 1.95%.
External e-wallet top-ups
Top-ups to external e-wallets cost 2%.
Advanced setup and Swift fees
Advanced has a $31 one-time setup fee. Incoming GBP Swift payments cost £2.16 and EUR Swift payments cost €2.39.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Businesses needing basic transfers | Essential | It lists a $0 monthly subscription and sending and converting from 0.23%. |
| Businesses receiving USD wires | Advanced | It lists USD wire and Swift payments for $6.11, alongside a $31 one-time setup fee. |
| Teams focused on batch payments | Essential | Both plans list batch payments up to 1,000 international payments; the published details show no higher Advanced limit. |
04Is Wise Business worth the money?
Wise Business is worth considering if you want an account for sending, receiving and managing money across 40+ currencies without a monthly subscription. But $0 per month does not mean fee-free transfers, withdrawals or top-ups, and Advanced adds a setup charge. The plan details also give batch payments the same stated 1,000-payment cap on both tiers. Account-access reports are a serious caveat; the available pricing information does not detail their frequency or resolution.
Wise Business pricing FAQ
Is Wise Business free?
Both Essential and Advanced list a $0 monthly subscription. That does not mean every transaction is free: sending and converting starts at 0.23%, and other fees apply to some ATM withdrawals, e-wallet top-ups and incoming Swift payments.
How much does sending money cost?
The listed starting rate is 0.23% for sending and converting money. The published pricing details do not give one flat rate for every currency pair or transfer, so treat 0.23% as a starting point, not a guaranteed final fee.
What does Advanced add?
Advanced also costs $0 per month, but has a $31 one-time setup fee. Its listed incoming-payment price is $6.11 for USD wire and Swift payments. Since Essential also lists batch payments up to 1,000, the published details do not show a higher batch limit for Advanced.
Does Wise Business offer annual pricing?
Annual pricing is not published. Both plans list a $0 monthly subscription, while Advanced has a $31 one-time setup fee. Wise lists other transaction charges separately, so compare fees tied to your actual payment flows rather than treating the subscription price as your total cost.