Wise Pricing & Plans (2023 Updated)

Hey there, fellow money-savvy readers! Upendra Varma here, and today we're going to dive into the exciting world of Wise pricing. If you're not familiar with Wise, it's a B2B SaaS product that helps you manage your money, transfer funds, and explore the wonders of multi-currency accounts. You can check out their website at wise.com.

Wise Pricing: Plans

Let's start by exploring the different plans Wise has to offer. They have a range of features that cater to various needs, so you can find the perfect fit for your financial adventures. Here's a breakdown of the main plans:

1. Free Plan

Yes, you read that right! Wise offers a Free plan that allows you to register for a Wise account without any charges. It's a great option to get started and explore the world of Wise without committing to a paid plan.

2. Sending Money

When it comes to sending money, Wise has got you covered. The fees for sending money vary depending on the currency, starting from 0.43%. It's always good to check the specific fees for your desired currency to plan your transfers effectively.

3. Spending with Your Card

Wise also offers a nifty Wise card that you can use for spending abroad. The best part? Withdrawing up to 200 GBP per month per account is absolutely free! If you make more than two withdrawals or exceed the monthly limit, there's a small fee of 0.50 GBP per withdrawal. So you can enjoy your travels without worrying about excessive fees.

4. Account Funding Transactions

For transactions that involve topping up e-wallets and other accounts in certain currencies, there's a 2% fee. It's important to check the FAQ section on Wise's website for more details on which currencies apply to this fee.

5. Getting the Wise Debit Card

If you're interested in getting your hands on the Wise debit card, there's a one-time fee of 7 GBP. This fee covers the cost of the card, and there are no subscription fees to worry about. It's a small price to pay for the convenience and flexibility the card offers.

6. Converting Money

When you need to convert your money from one currency to another, Wise has got your back. The fees for converting money vary depending on the currency, starting from 0.43%. Again, it's always wise (pun intended) to check the specific fees for your desired currency before making the conversion.

7. Holding Money in Your Account

One of the great features of Wise is the ability to hold 40+ currencies in your Wise Account. And the best part? It's absolutely free! So you can stash away your money in different currencies without worrying about any holding fees.

8. Receiving Money

Receiving money into your Wise account is a breeze. You can get account details in 10 currencies for free, including AUD, CAD, EUR, GBP, HUF, NZD, RON, SGD, TRY, and USD. Plus, receiving money in these currencies (non-wire) is also free. However, there are fixed fees per payment for receiving USD wire payments (4.14 USD) and CAD SWIFT payments (10 CAD).

Wise Pricing: Which Plan to Pick?

Now that we've explored the various plans and fees, you might be wondering which plan is the best fit for you. Well, fear not! I've got some handy recommendations to help you make the right choice based on your needs and budget.

1. Free Plan: For the Explorers

If you're new to Wise and want to dip your toes into the world of multi-currency accounts and money transfers, the Free plan is a great starting point. It allows you to register for a Wise account without any charges, giving you the chance to get familiar with the platform and its features.

2. Pay-As-You-Go: For the Occasional Users

If you're someone who makes occasional money transfers or uses the Wise card sparingly, the Pay-As-You-Go plan might be the perfect fit. With this plan, you only pay for what you use, and there are no monthly fees or subscriptions to worry about.

3. Wise Business: For the Savvy Entrepreneurs

Are you a business owner looking to streamline your international transactions and manage your company's finances efficiently? The Wise Business plan is designed just for you. It offers features like mass payments, a business debit card, and the ability to hold multiple currencies, making it a valuable tool for businesses of all sizes.

Wise Pricing: Is It for You?

Now, you might be wondering if Wise is the right choice for you. Well, my friend, it depends on your unique situation. Wise is a versatile platform that caters to individuals, companies, and industries alike. To dive deeper into the world of Wise and make an informed decision, I recommend checking out my in-depth review article on my blog at wise review.


And there you have it, folks! A in-depth and fun journey through the world of Wise pricing. I hope this blog post has helped you understand the various plans, costs, and features Wise has to offer. If you're hungry for more SaaS reviews and insights, make sure to check out my blog at saas blog.

Remember, Wise is all about fair prices, transparency, and ensuring you only pay for what you use. So go ahead, explore the world of Wise and make your financial adventures even more exciting! Happy money managing, my friends!


Upendra Varma

Upendra Varma

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