Wise Business
A plan byWise
Wise is a multi-currency account known for the real interbank (mid-market) exchange rate and transparent fees, with over 40 currencies and local IBANs in several countries. It does not offer crypto natively, but is one of the best tools for off-ramping and international payments; FX fees (0.35–1.5%) remain fully transparent.
Business
- Price
- Free
- atm_fee_pct
- 2%
- atm_limit
- £200/mese gratis, poi 2%
What's included
- €50 setup
- Bulk pay (1000)
- API
- Xero/QuickBooks
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | dedicato · BE, GB, US, AU, NZ, SG, HU, RO, TR |
| Deposit guarantee | None (e-money account) |
| Multi-currency | Yes · 40 currencies |
| Outbound transfers to third-party IBANs | Yes |
| Card included | Carta Mastercard (€7 una tantum) |
| ATM withdrawal | 2% |
| Free ATM limit | £200/month free, then 2% |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | EEA, UK, US, APAC, LATAM · 160+ countries |
| Regulator | FCA, NBB |
| OAM Italy registration | No |
| Segment | B2C |
| Funding / solidity | LSE-listed (WISE) · 16M+ customers · Trustpilot 4.4/5 |
| MiCA / License status | EMIFCAFinCEN MSB FCA · FinCEN · EMI-regulated |
Strengths
- Real interbank (mid-market) exchange rate and transparent fees
- Over 40 currencies and local IBANs in several countries
- Excellent for off-ramping and international payments
Weaknesses
- No native crypto features
- 0.35–1.5% FX fee (transparent, but present)
- Balances are not covered by deposit guarantee (safeguarding model)
Verdict
Wise is a multi-currency account known for the real interbank (mid-market) exchange rate and transparent fees, with over 40 currencies and local IBANs in several countries. It does not offer crypto natively, but is one of the best tools for off-ramping and international payments; FX fees (0.35–1.5%) remain fully transparent.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
FAQ
Can you buy crypto with Wise?
No, Wise does not offer crypto purchases: it is a multi-currency account focused on FX and international payments, great as an off-ramp.
Is money on Wise protected like in a bank?
No: Wise is an electronic money institution and uses fund safeguarding, not bank deposit guarantee.
Sources
- Official service page Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).