Wise Business Account
Low-cost multi-currency business account for cross-border startups, no monthly fees.
Wise Business Account is a banking and fintech perk from Wise worth up to $250K FDIC coverage, open to any startup.
- Value
- See offer
- Who qualifies
- Any startup
- Benefit type
- Free plan
- Terms
- Verified
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Also useful for banking and incorporation
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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 (wise.com/us/business) · as of Nov 14, 2026
Who it's for
- 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 apply for Wise Business Account
- 1Open a Wise Business account online at wise.com/business; one-off setup fee applies.
Source: The provider's official program page (wise.com/us/business) · as of Nov 14, 2026
Confirmed on : the page still states “Up to $250K FDIC coverage”
Wise Business Account: common questions
How much is Wise Business Account worth?
Wise Business Account is worth up to $250K FDIC coverage.
Who qualifies for Wise Business Account?
Wise Business Account is open to any startup. Card availability varies by country; setup fee is a one-time charge.
Do I need to be VC-backed or in an accelerator to get Wise Business Account?
No. Wise Business Account is open to any startup that meets the stated criteria, no investor or accelerator backing required.
How do I apply for Wise Business Account?
Open a Wise Business account online at wise.com/business; one-off setup fee applies.
How long do I have to use Wise Business Account, and does it expire?
Ongoing; per-transaction and conversion fees apply.
Is Wise Business Account available outside the US?
Wise Business Account is available globally, subject to the provider's terms.
Programs like Wise Business Account
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