Wise Business business account 2026: price list and monthly fee
In October 2026, Wise Business has no monthly fee, but local account details require a one-off fee of €60, which includes the first card. The service suits a sole trader and a limited company especially for foreign payments, but Wise is a payment institution and funds have no deposit guarantee.
Wise Business business account prices and terms
| Opening fee | €60.00 (one-off fee for local account details (IBAN), includes the account's first card) |
|---|---|
| Cheapest plan | Wise Business (no monthly fee) |
| Monthly price | €0.00 (local IBAN requires a one-off fee of €60.00) |
| Included in the plan | Multi-currency account, account details in 22 currencies, Wise Business debit card (physical and digital), no monthly or annual fee |
| Price terms | No monthly fee (October 2026). To get local account details, a one-off fee of €60, which includes the account's first card. Additional cards for team members 3 GBP each (according to Wise's Finnish-language card page). Transfer fees vary by currency. |
| Extra card cost / month (on top of the headline price) | €0.00 |
| Extra user / month | not available |
| Cash deposit | Not mentioned |
| Currency conversion markup on card payments | not available |
| More about fees | The sending fee varies by currency (from 0.2%); the exact price of a euro SEPA payment was not confirmed. The currency exchange fee varies by currency, so there is no fixed currency conversion markup. ATM withdrawals €250/month/account free, above that 2.69%. Incoming EUR Swift payment €2.39. |
| Transfers included in the plan | not available |
|---|---|
| Transfer price after the allowance | not available |
| E-invoice sent | not available |
| Monthly fee of the e-invoice service | not available |
| E-invoice received | not available |
| E-invoices (sending and receiving) | not available |
| Type | Payment institution |
|---|---|
| Company forms | Sole trader, Limited company |
| Deposit guarantee | No deposit guarantee: Wise Europe SA is a payment institution authorised in Belgium; customer funds are protected separately (safeguarding). |
| Opening online | Yes |
| Time to open | not available |
| A credit check can block opening | not available |
| Accounting integrations | Xero, QuickBooks, FreeAgent, etc. |
| Own card terminal | not available |
| Invoicing tool | not available |
| Finnish IBAN | not available |
| Customer service in Finnish | not available |
| More about features | Accepting card payments (Accept card payments) is available. The availability of a Finnish IBAN was not confirmed. |
| Business credit card | not available |
| Business card annual fee | not available |
| More about the business card | Not confirmed. |
| Information checked | 15 October 2026 |
Wise Business: price notes: local IBAN requires a one-off fee of €60.00.
Reviews: ratings of Wise Business
Public ratings from three sources, retrieved . The figures are third-party ratings that Pankkitutka has neither checked nor edited. Review texts are not quoted. Read more: bank ratings and reviews compared.
| Source | Rating | Count | Link |
|---|---|---|---|
| Trustpilot | 4.3 / 5 | 303,070 reviews | wise.com on Trustpilot |
| App Store: Wise - Global Money | 4.7 / 5 | 3,416 ratings | App in the App Store |
| Google Play: Wise: International Transfers | 4.8 / 5 | 2,078,099 ratings, all countries | App on Google Play |
- The Trustpilot profile is shared with the consumer service and does not describe the business service alone.
- The business account uses the same app as the consumer account, so the app ratings are shared.
- The Google Play figures cover all countries, not only Finland. The App Store figures are from the Finnish store.
Based on the data
The pros and cons below are based on Pankkitutka's price data, not on the ratings.
Pros
- Pro: No monthly fee, only a €60 one-off fee for account details (October 2026)
- Pro: Account details in 22 currencies and currency exchange based on the mid-market rate
- Pro: Also suitable for a sole trader
Cons
- Con: No deposit guarantee, because Wise is a payment institution
- Con: Finnish e-invoicing or a Finnish IBAN was not confirmed
- Con: The price of a domestic SEPA payment is not stated as a fixed amount
How do you open a Wise Business business account?
According to Wise, the service suits sole traders and freelancers, limited and public limited companies, and partnerships. Associations or charities are not mentioned in the list; EEA trusts are temporarily restricted. Registration is free, local account details require a one-off fee.
Guides for business owners
- Card terminal for a business
- Business card
- Sole trader: choosing a bank account
- Limited company: choosing a bank account
Sources
- Wise Business pricing (FI)retrieved 15 October 2026
- Wise Business card (FI)retrieved 15 October 2026
- Wise Help: Can my business use Wise?retrieved 15 October 2026
- Wise Help: How does Wise safeguard my money?retrieved 15 October 2026
Information checked on 15 October 2026. Check the VAT basis and the current terms with the provider.
Frequently asked questions
How much does a Wise Business business account cost per month?
The cheapest Wise Business plan (Wise Business (no monthly fee)) costs €0.00 per month (local IBAN requires a one-off fee of €60.00). No monthly fee (October 2026). To get local account details, a one-off fee of €60, which includes the account's first card. Additional cards for team members 3 GBP each (according to Wise's Finnish-language card page). Transfer fees vary by currency.
Can you open a Wise Business business account online?
Yes. According to Wise, the service suits sole traders and freelancers, limited and public limited companies, and partnerships. Associations or charities are not mentioned in the list; EEA trusts are temporarily restricted. Registration is free, local account details require a one-off fee.
Does Wise Business support e-invoices?
This information is not yet available.