The business account for going global
Trusted to move billions
Over 700,000 global businesses move and spend $16 billion per month.
FDIC insured
When you opt in to our Interest feature through our program bank. Learn more1.
24/7 Support
From thousands of specialists any time over email, phone or chat.
Send payments to international partners
Pay suppliers in hours, not days — 96% of payments take less than 24 hours.*
Pay up to 1,000 contractors at once — Make payments in a single click with BatchTransfer.
Send wire transfers from as low as $1.13 — Skip the $25+ fee typically charged by U.S. banks. Learn more
Accurate as of Q3, 2025. Transaction speed claimed depends on individual circumstances and may not be available for all transactions. Learn more
Savings on this transfer, and eligible transfers for the rest of the month.
Get paid like a local business
Accept payments from international customers — in USD, EUR, GBP and other major currencies with no hidden fees.
Make receiving payments easy — create invoices, send payment links, or get paid by card.
Receive domestic wires for a fixed $6.11 — avoid the $15-30 fee traditional banks often charge for the same transfer.
Features that help you take care of business
Earn up to 3.14% APY2
With our interest feature, you can earn on your money without ever locking it away. So it's always ready for whenever you need it.
Spend with Wise Multi-Currency Cards
Get physical and digital cards for your team, separate your money and control your spending.
Account controls for team spend
Manage your account controls by setting custom spending permissions and configuring team access.
Sync to your accounting software
Integrate your Wise account with accounting software and get fast, accurate reporting for every currency.
Ready to take the next step with Wise?
Assured financial protection
Wise customers move over $16 billion around the world monthly. Our systems are built to keep funds safe at all times.
24/7 customer support
Our support teams are available by phone or online, wherever you are in the world.
Up to $250K FDIC coverage
Get pass-through FDIC insurance up to $250K on interest-earning funds through our program banks. Wise is not an FDIC-insured bank.
Safeguarded
Your money is diversified and held with a secure group of financial institutions. Learn more about how we protect your money.
Hear from businesses scaling with Wise
"Sending payments to all our clients used to take me close to a week, and with Wise's batch payments feature, I can accomplish this in just a few minutes."
Chris Kennedy
Rident Royalties
Read Chris’ story
"Holding Euro account details allows us to get paid directly from our customers, without the need for exchange fees."
Stela & Momchil
Founders, BeeHype
Read their story
"I know if I’ve got a Wise account, and my customer has got a Wise account, it feels safe."
Suzanne Noble
Co-founder, Startup School for Seniors
Watch Suzanne’s story
"Wise is a game-changer. It's easy to use, helps us save money, and is perfect for paying our remote team."
Simon Treulle
Founder, Pangolia
Read Simon’s story
"Wise offers payments to local wallet schemes for certain currencies/countries such as Gcash in The Philippines or Mpesa in Kenya etc, this in turn gives our contractors and clients more choice."
Xenios Thrasyvoulou
Founder, TalentDesk
Read Xenios’ story
"We have integrated payments with Wise from day one. It's been an integral part of how we've been able to payout royalties and run our business."
Andy Irvine
CEO, GYROstream
Read Andy’s storySolutions for every kind of business
For small businesses
For small businesses
Wise Business makes it easy for small businesses to pay and get paid. Do business without borders.
For startups
For startups
Wise Business lets you receive investor funding in local currencies while benefiting from our market-leading FX rate. Extend your runway with Wise and help your startup go global.
For freelancers
For freelancers
Wise Business is the quick and easy way to get paid by clients in different currencies - making payment admin painless.
A simple one-time setup fee
Get everything you need to do business for a one-time 31 USD set-up fee. Plus, you'll always get market-leading exchange rates since we use the mid-market rate without any mark-ups.
FAQs
One smart app, 50 million downloads
- FDIC insurance is provided as pass-through insurance with our current program bank. (Wise is not a bank). 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 account at one or more participating banks (each, a "Program Bank") that will hold the deposit funds. For a complete list of Program Banks, please see Appendix 1 of the Program Agreement. Availability of FDIC deposit insurance for the deposit funds is subject to certain conditions. 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.
For customers opted in to receive interest on EUR and GBP, the FDIC passthrough insurance provided by our program bank is for up to the equivalent of 250,000 in total for your USD, EUR and GBP combined balance amounts (collectively, the "Eligible Balances"). - Annual Percentage Yield (APY) - rates shown are true as of 12/18/2025. See Program Agreement for details.