Paysera vs Wise Business
For spending abroad FX markup matters, and Wise Business does better (0% vs 0.7%). In our editorial rating Wise Business leads (4.4 vs 3.5). The choice depends on your real spending profile: redo the math with your volumes before picking between Paysera and Wise Business.
| Paysera | Wise Business | |
|---|---|---|
| Tier | B | A |
| Rating | ★ 3.5 | ★ 4.4 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | dedicato · LT · LT | dedicato · BE, GB, US, AU, NZ, SG, HU, RO, TR |
| Deposit guarantee | None (e-money account) | — |
| Multi-currency | Yes · 20 currencies | Yes · 40 currencies |
| Outbound transfers to third-party IBANs | Yes | Yes |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| SEPA transfer | Free | €8 |
| Card included | Carta Visa opzionale a canone ridotto | — |
| Network | Visa | — |
| ATM withdrawal | 1% | not declared |
| Free ATM limit | EUR 1 in the EU eurozone; EUR 1 + 1.80% outside the eurozone; EUR 1.50 + 1.80% outside the EU | — |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA · 1+ countries | EEA, UK, US, APAC, LATAM · 160+ countries |
| Regulator | Bank of Lithuania | FCA |
| OAM Italy registration | No | — |
| Segment | B2C | B2B |
| On-chain crypto withdrawal | — | No |
| Interest on balance | — | 1.8% |
| Regions | EU/EEA | EU/EEA, UK, US, APAC, LATAM |
| Licences & safety | Istituto di moneta elettronica (IMEL) — Bank of Lithuania | EMI multi-paese |
Frequently asked questions
Paysera vs Wise Business: which is better?
For spending abroad FX markup matters, and Wise Business does better (0% vs 0.7%). In our editorial rating Wise Business leads (4.4 vs 3.5). The choice depends on your real spending profile: redo the math with your volumes before picking between Paysera and Wise Business.
Which is cheaper, Paysera or Wise Business?
On the standard spending profile Paysera has the lowest net annual cost: €0 versus €0 for Wise Business.
Is Paysera custodial or self-custody?
Paysera is custodial: funds are held by the platform, while Wise Business is custodial.
Which is better for spending abroad?
For foreign-currency spending Wise Business wins, with the lowest FX markup: 0%.