The best Wise Business alternatives in 2026, compared on fees and features

Wise Business is where many small companies start with international payments. It is cheap for occasional conversions, simple to open, and it has no monthly fee. Companies usually start looking elsewhere when the work changes: a client pays in USDC, the team needs cards with limits, finance wants a second approver on large payments, or the corridors that matter are in Africa rather than Europe.

This comparison uses each provider's own published pricing page, linked at the end. Prices change, and some fees depend on your country and volume, so treat the numbers as a starting point and check them before you switch.

The short version

Wise Business

Wise's model is a low, visible conversion fee and no subscription. Its US pricing lists a one-time 31 USD setup fee that unlocks local account details, conversion fees from 0.23% depending on the currency, free domestic USD receipts and 6.11 USD per incoming USD wire. For a company that converts a few thousand dollars a month between major currencies, the total cost is very low.

Wise does not support stablecoins. Its published crypto policy says it does not support businesses involved in exchanging or trading cryptocurrencies, and that you cannot send money to crypto exchanges or to wallets that hold crypto. If a client pays you in USDC, or you pay contractors in USDT, you need a second provider.

The fee varies by currency and amount, but there is no plan that lowers your margin in exchange for a fixed fee. For a company converting large monthly volumes, a published lower margin can cost less than a free plan.

The controls are basic for a growing team. Larger teams usually want per-card limits that reset on a schedule, cards per vendor, and a second approver above a threshold, in one place.

Rivet

Rivet is a business account for registered companies that move money across borders. The main difference from Wise is that fiat and stablecoin rails sit under one login.

You get account details in your company's legal name: a US account and routing number for ACH and domestic wires on every plan, a euro IBAN and a UK sort code from Growth, and CAD and HKD from Scale. Details in the company's own name matter more now that the EU's Verification of Payee and the UK's Confirmation of Payee check names. Our multi-currency account checklist explains why.

Ramps convert between your balances and USDC or USDT on Ethereum, Base, Solana, Polygon, Optimism and Avalanche, with the rate and fee on screen before you confirm.

Digital corporate cards are unlimited on every plan. Each card has its own limit and reset period, and physical cards start on Growth.

Bulk payouts go out from a CSV. Local payouts across African corridors start on Growth, and roles include approval thresholds.

Starter is free, Growth is $200 a month and Scale is $500 a month, with FX from 0.80%, 0.50% and 0.30% respectively, and per-payout fees from $2.00 down to $0.50. Your exact rate depends on volume and currency mix and is confirmed during onboarding. Full details are on the pricing page.

Wise is cheaper if you convert small amounts between major currencies a few times a month and never touch stablecoins. Its lowest conversion fees sit below Rivet's Starter margin. Rivet fits better once you need the stablecoin rails, the controls, or the volume pricing.

Airwallex

Airwallex publishes FX at 0.5% above interbank for major currencies and 1% for others, the same on every plan. Its Explore plan has no monthly fee; Grow is priced per user per month with a platform fee; Accelerate is custom. SWIFT transfers cost $15 to $25 each, and domestic USD and CAD transfers are free. Airwallex is strong on expense management for larger teams. Its pricing page does not list stablecoin accounts.

Payoneer

Payoneer grew up paying sellers and freelancers from marketplaces. Receiving into an account in your local currency is free; receiving into a non-local currency account costs 1% (minimum 1 USD). Moving money between your own balances costs 0.50%, and withdrawing to a bank in another currency costs 1.2% to 4%. There is an annual fee of 29.95 USD if you receive less than 6,000 USD in any 12 consecutive months. For a company invoicing clients directly, those percentages add up quickly; we compare it in detail in Payoneer vs Rivet.

Mercury

Mercury is a well-regarded account for US startups, but its eligibility rules say the company generally must be formed in the US or a US territory. For a company registered in London, Dubai or Singapore that wants US account details without forming a US entity, see our guide to Mercury alternatives for non-US companies.

How to choose

Work it out on your own numbers:

1. Add up a typical month: how much arrives, in which currencies, and how much of it you convert.
2. Price the conversion. Multiply converted volume by each provider's published margin. On $100,000 converted, the difference between 0.80% and 0.30% is $500, the price of Rivet's Scale plan.
3. Add the fixed costs: monthly plan, setup fee, per-payout fees and receiving fees for wires.
4. List what you would need a second provider for: stablecoins, controlled cards, approvals, African payouts. A second provider has its own fees and its own reconciliation.

For the part of the bill that sits inside the exchange rate, see what an international payment really costs.

How Rivet handles this

Rivet keeps USD, EUR and GBP accounts, stablecoin ramps, cards, payouts and approvals in one workspace, verified once. Every conversion shows the rate and the fee before you confirm. Your FX rate is confirmed during onboarding, before you move anything, and it falls as the plan rises. The free plan is enough until the volume makes the lower margin worth the monthly fee. See pricing for the plans and named accounts for what each currency includes.