Wise Business Account

Low-cost multi-currency business account for cross-border startups, no monthly fees.

WiseUpdated weekly · checked 1 h ago

Wise Business Account is a banking and fintech perk from Wise, offering no monthly fee, open to any startup.

Value: 3.4% APY
Who qualifies: Any startup
Benefit type: Free plan
Terms: Verified

What you get

Inside Wise Business Account

The Wise Business account has no monthly fees; a one-off fee (31 USD in the US) unlocks account details for receiving money. Hold and receive multiple currencies with local account details, spend with the Wise business card, and, in the US, earn 3.4% variable APY on USD balances opted into Interest, with pass-through FDIC insurance up to $250,000 through its program bank, JPMorgan Chase Bank, N.A.

Source: The provider's official program page

Eligibility

Who it's for

Any stage Global Multi-currency Low cost

Funding / backing: Any startup
Geography: Global
Recurring / expiry: Ongoing; per-transaction and conversion fees apply.
Other requirements: Card availability varies by country; setup fee is a one-time charge.

How to claim

How to apply for Wise Business Account

What to have ready

A short description of what your startup does
A company email on your own domain

Steps to apply

1Open a Wise Business account online at wise.com/business; one-off setup fee applies.

Good to know: Re-verified on wise.com on 2026-09-25 (USD APY as of 2026-09-18).

Apply at Wise

Source: The provider's official program page

Value is the headline maximum Wise advertises. What your company actually receives depends on your eligibility and how you use the program, and terms can change. Independent comparison, not affiliated with the programs listed. Confirm current terms on the provider's page.

Questions