Wise Business
Wise Business's cheapest published rate is $31 one-off + per-currency receive fees. Pricing model: flat-rate. Monthly fee: $0. Dispute fee: n/a (bank receive). Cross-border: Mid-market FX + spread. FX: At mid-market rate (variable spread published per pair).
Tier table (vendor-published)
| Tier | Rate | Notes |
|---|---|---|
| Setup | $31 one-off | - |
| Receive USD wire | $6.11 | - |
| Receive GBP | GBP 2.16 | - |
| Receive EUR | EUR 2.39 | - |
Source: https://wise.com/business/pricing (verified 2026-06-19).
What Wise Business is best for
- Cross-border B2B receiving international bank payments at mid-market FX.
- Freelancers and contractors getting paid in USD, GBP, EUR, AUD from clients abroad.
Hidden costs and gotchas
Not a card acquirer. Used to receive international bank payments at mid-market FX. Card acceptance via Wise+Stripe partnership.
- Not a card acquirer. For card acceptance pair with Stripe or Braintree.
- $31 one-off setup; per-currency receive fees published per pair.
FAQ
Is Wise Business a payment gateway?
No. It is a multi-currency receiving account. Useful alongside a card acquirer, not instead of one.
What is the FX margin?
Mid-market with a variable spread published per currency pair. Materially cheaper than PayPal's up-to-4% FX margin.
See the full vendor index, run the cross-vendor cost calculator, or read how we verify every rate.