Tiime vs Wise Business: Complete Comparison (2026)
An in-depth comparison of Tiime and Wise Business to help you choose the right tool for your business.
Last updated: November 2026
Tiime
6.4/10
French invoicing, pre-accounting and business banking app for freelancers and small companies, with a shared workspace for their chartered accountant.
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 | 4/10 | 6/10 |
| Analytics | 5/10 | 3/10 |
| Compliance | 7/10 | 6/10 |
| Integration | 5/10 | 6/10 |
| Security | 6/10 | 7/10 |
| Support | 7/10 | 5/10 |
| Cost | 8/10 | 8/10 |
| Customization | 5/10 | 4/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | €10/mo Initial (0-1 employee) | Contact for pricing |
| Estimated cost for 10 users | Free Free | Free Wise Business (US) |
| Features | ||
| Corporate Cards | ||
| Invoicing | ||
| Online Payments | ||
| Accountant Access | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Multi-currency | Not listed | |
| Payroll | Not listed | |
| Tax Compliance | Not listed | |
Tiime vs Wise Business cost by team size
| Team size | Tiime | Wise Business |
|---|---|---|
| 1 user | FreeFree | FreeWise Business (US) |
| 5 users | FreeFree | FreeWise Business (US) |
| 10 users | FreeFree | FreeWise Business (US) |
| 25 users | FreeFree | FreeWise Business (US) |
| 50 users | FreeFree | 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 Tiime
- Has a free plan (Wise Business does not)
- Higher Analytics score (5/10 vs 3/10)
- Higher Support score (7/10 vs 5/10)
Why choose Wise Business
- Higher Scalability score (6/10 vs 4/10)
- Higher Integration score (6/10 vs 5/10)
- Better fit for enterprise (4/10 vs 2/10)
Pros & Cons
Tiime
Pros
- Invoicing is free on every tier, with no limit on the number of quotes and invoices, plus e-invoicing through Tiime's registered platform.
- The business's accountant can see its data for free, and around 2,000 accounting firms are reported as partners.
- Bank sync categorises transactions automatically, and receipts can be captured by phone, which cuts pre-accounting work.
- Paid plans come with a 60-day trial, and the entry plan costs 9.99 euros a month.
- Users rate it highly, with about 4.8 out of 5 on Google and Trustpilot.
Cons
- Tiime only does pre-accounting. The full ledger and the tax return package are left to an accountant using Tiime's separate production tool.
- The business account cannot send transfers outside the euro zone and offers no overdraft.
- Reviewers say modules cannot be bought on their own, and the free plan is fairly limited for running a business.
- Users have reported occasional bugs, including after one update on Mac.
- It is aimed at the French market and at companies with up to 20 employees. Larger firms must request a quote.
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
Tiime 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 Tiime and 3/10 for Wise Business.
Tiime has a free plan; Wise Business does not list one.
Wise Business is the better fit for enterprise: we rate it 4/10 for them, against 2/10 for Tiime.
