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Wise Business

International business accounts with real exchange rates

4.4(980 reviews)
🇬🇧United KingdomFinancial Conduct Authority (FCA)Est. 2011
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Overview

Wise Business (formerly TransferWise) offers multi-currency business accounts with the real mid-market exchange rate. Ideal for businesses that send and receive money internationally, with transparent fees and fast transfers to 80+ countries.

Type
E-Money Institution
Country
United Kingdom
Regulator
Financial Conduct Authority (FCA)
Founded
2011

Best for

Freelancers and contractorsSmall international businesseseCommerce sellersBusinesses receiving overseas payments

Advantages

  • Real mid-market exchange rate
  • Transparent, low fees
  • Holds 40+ currencies
  • Batch payment support
  • Trusted brand

Limitations

  • No cash deposits
  • Limited business credit options
  • Not ideal for high-risk industries

Features & Capabilities

Available

SEPA Access
SWIFT Transfers
Card Issuance
Virtual IBAN
Multi-Currency
Remote Onboarding
Mobile App
API Access
Non-Residents OK
Mass Payouts

Not available / Unknown

Dedicated IBAN
Crypto-Friendly
Expense Management

IBAN Type

Virtual IBAN

Supported Currencies

EURUSDGBPAUDCADHKDSGDNZDJPYCHF

Accepted Industries

ecommercefreelancerssaasimport-exportstartups-smes
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Regulation & Licensing

RegulatorFinancial Conduct Authority (FCA)
License Number900507
Provider TypeE-Money Institution
Country of RegistrationUnited Kingdom
Founded2011
Regulatory information is sourced from public registries (EBA EUCLID, FCA, Bank of Lithuania). Always verify current authorization status with the relevant regulator.

Coverage

Wise Business operates in 6 countries.

GBEUUSAUSGHK

Pricing

Monthly Fee€0.00
FX Markup0.33% – 0.60%
Transaction Fee0.500% + €0.0000
No monthly fee. Pay per transfer. FX markup from 0.33%.
Pricing is sourced from public data and may not reflect current rates. Always verify directly with the provider.

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