Wise Business FX Fee Calculator
Calculate exact transparent fees for international supplier payments, overseas contractor payroll, and multi-currency transfers with zero hidden exchange rate markups.
Wise Business pricing in 2026: A one-time registration fee of $31 USD (£45 GBP) unlocks local bank account details in 9+ currencies (USD, EUR, GBP, CAD, AUD, NZD, SGD, HUF, TRY) with $0 monthly subscription fees. International transfers are executed at the true mid-market exchange rate with transparent conversion fees starting from 0.35% to 0.70%. Receiving local payments via ACH, SEPA, and Faster Payments is 100% free ($6.11 USD fixed fee only for incoming domestic USD wire transfers).
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
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Frequently Asked Questions
What are Wise Business transfer and currency conversion fees in 2026? ▼
Wise converts currencies at the mid-market interbank exchange rate with zero hidden markup, charging a transparent fee starting from 0.35% to 0.70% depending on the currency pair.
What local bank account details are included with a Wise Business account? ▼
Wise provides local account details in 9+ currencies: USD (ACH routing and account number), EUR (SEPA IBAN), GBP (Sort Code and account number), CAD, AUD, NZD, SGD, HUF, and TRY.
What is the one-time Wise Business registration and account opening fee? ▼
Wise Business charges a one-time account opening fee (typically $31 USD or £45 GBP) to access local account details, with zero ongoing monthly subscription or account maintenance fees.
How does Wise Batch Payments work for global contractor payroll? ▼
Businesses can upload a single CSV spreadsheet to disburse payroll to up to 1,000 global contractors and freelancers simultaneously, saving up to 90% compared to traditional bank wire fees.
What fees apply to Wise Business debit card spending and corporate expense cards? ▼
Wise Business cards draw directly from multi-currency account balances with zero foreign exchange transaction fees. If conversion between balances is required, only the transparent mid-market FX fee applies.
How does Wise Business compare to traditional international bank wires (SWIFT)? ▼
Traditional bank wires typically incur a $25–$50 wire fee, an unfavorable 3%–5% hidden exchange rate spread, and intermediary receiving fees. Wise uses local payment rails, cutting costs by over 80%.
Can Wise Business accounts integrate with accounting software like Xero and QuickBooks? ▼
Yes. Wise offers automated real-time multi-currency bank feeds with Xero, QuickBooks Online, and FreeAgent, matching incoming payments and tracking realized foreign exchange gains and losses.
Is money deposited in Wise Business accounts protected and insured? ▼
Wise is an authorized Electronic Money Institution (EMI) regulated by the UK FCA, US FinCEN, and global banking authorities. Customer funds are held in segregated accounts at major commercial institutions (e.g. JPMorgan Chase, Barclays).