Revolut Business vs Wise Business Comparison
Compare Revolut Business vs Wise Business features, pricing, and more.
Last updated: November 2026
Revolut Business
6.4/10
Revolut Business is a multi-currency business account. It includes team cards, invoicing and payment links, an optional expenses add-on and accounting integrations, and serves UK, EEA and US companies.
Wise Business
6.3/10
Wise Business is a multi-currency business account for sending, receiving, holding and converting money internationally, with team cards, batch payments and invoicing.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.3/10 |
| Scalability | 7/10 | 6/10 |
| Analytics | 5/10 | 3/10 |
| Compliance | 6/10 | 6/10 |
| Integration | 7/10 | 6/10 |
| Security | 7/10 | 7/10 |
| Support | 4/10 | 5/10 |
| Cost | 6/10 | 8/10 |
| Customization | 6/10 | 4/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | £10/mo Basic | Contact for pricing |
| Estimated cost for 10 users | £10/mo Basic | Free Wise Business (US) |
| Features | ||
| Corporate Cards | ||
| Invoicing | ||
| Multi-currency | ||
| Online Payments | ||
| Accounts Payable | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | ||
| Payroll | Not listed | |
Revolut Business vs Wise Business cost by team size
| Team size | Revolut Business | Wise Business |
|---|---|---|
| 1 user | £10/moBasic | FreeWise Business (US) |
| 5 users | £10/moBasic | FreeWise Business (US) |
| 10 users | £10/moBasic | FreeWise Business (US) |
| 25 users | £10/moBasic | FreeWise Business (US) |
| 50 users | £10/moBasic | FreeWise Business (US) |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Revolut Business
- Higher Analytics score (5/10 vs 3/10)
- Higher Customization score (6/10 vs 4/10)
Why choose Wise Business
- Higher Cost score (8/10 vs 6/10)
- Higher Support score (5/10 vs 4/10)
- Better fit for freelancers (8/10 vs 4/10)
- Better fit for remote teams (9/10 vs 7/10)
Pros & Cons
Revolut Business
Pros
- The monthly FX allowance at the interbank rate (up to 60,000 pounds on Scale) and more than 25 currency sub-accounts suit firms that pay suppliers abroad.
- Every plan includes card controls, and each team member can have up to 50 virtual cards.
- Xero, QuickBooks, Sage and FreeAgent connect on every plan, and more than 45 accounting tools are listed.
- From Grow up there is a Business API and bulk payments for automating payouts.
- In-app chat support is available 24/7 on all plans.
Cons
- There is no phone support, and a dedicated account manager is only offered on Enterprise.
- Charges add up past the allowances: 0.6% on FX overage, 1% outside market hours and 2% on cash withdrawals.
- There are no cash or cheque deposits, overdrafts, or inbound Direct Debits.
- Some users report accounts being frozen or restricted during compliance reviews.
- Expenses and Payroll cost extra per user on top of the plan fee.
Wise Business
Pros
- Conversions use the mid-market rate with fees from 0.23%, often cheaper than banks for international payments.
- There is no monthly fee, only a one-time setup fee of 31 USD in the US.
- Batch payments can pay up to 1,000 recipients in one action, which helps companies paying contractors abroad.
- Local receiving details in 22 currencies let foreign clients pay domestically.
- Team cards come with custom spending permissions.
Cons
- It is not an accounting system and has no ledger, payroll or financial statements.
- Wise is not a bank: it offers no loans, and balances are safeguarded rather than deposit-insured by default.
- Users report delayed or frozen transactions and support that can be slow or hard to reach.
- Incoming SWIFT payments in USD, GBP and EUR carry per-payment fees.
- Feature availability, including cards, varies by country.
Not sold on either?
Frequently Asked Questions
Revolut Business scores higher on our Finance Software criteria: 6.4/10 against 6.3/10 for Wise Business. The largest gap is in Analytics: 5/10 for Revolut Business and 3/10 for Wise Business.
No, neither Revolut Business nor Wise Business lists a free plan.
Wise Business is the better fit for freelancers: we rate it 8/10 for them, against 4/10 for Revolut Business.
