Wise Plans Pricing
Wise does not sell tiered API plans. The Wise Platform API is free to access for registered Wise account holders; revenue is earned per transaction through a fixed-plus-percentage transfer fee and a small markup over the mid-market exchange rate. Pricing varies by route (source currency, target currency, pay-in method) and is documented per corridor. Wise Business adds a one-time account-opening fee in most regions and per-card issuance fees for the Wise debit card.
Plans
Free Wise account for individuals. No monthly fees, no API plan fees. Each transfer charges a route-specific fixed fee plus a percentage of the converted amount, plus a markup applied on top of the mid-market FX rate when crossing currencies.
- Multi-Currency Account (56+ Currencies)
- Local Bank Details (USD, EUR, GBP, AUD, NZD, etc.)
- Wise Debit Card (Optional, One-Time Fee)
- Free Platform API Access
Wise Business account. One-time account-opening fee in most regions (e.g. ~$31 in the US, £45 in the UK). Per-transfer pricing matches the personal product. Adds batch payments, multi-user access with role-based permissions, and accounting integrations.
- Multi-Currency Account
- Local Receiving Details
- Batch Payments (Up to 1,000 Per File)
- Multi-User Access With RBAC
- Accounting Integrations (Xero, QuickBooks, FreshBooks)
- Free Platform API Access
Embedded partner offering for banks, fintechs, and software platforms that integrate Wise into their own products. Pricing is custom-negotiated and reflects volume, settlement terms, and the partner integration footprint (Send, Receive, Convert, Hold). Per-transaction economics are baked into the contract.
- Embedded Send and Receive
- Multi-Currency Hold and Convert
- Compliance Pass-Through
- Dedicated Implementation Support
- Co-Branding Options