Wise Pricing in 2026 — All Plans Compared
Free
Free account, pay per transfer (0.3-2%)
Starter
For individuals and small teams getting started.
Enterprise
For large organizations with custom requirements.
Is the Free Tier Enough?
Wise offers a free tier: Free account, pay per transfer (0.3-2%)
The free plan works well for individual users and small teams getting started. If you need advanced features, more storage, or team collaboration, you will likely need to upgrade to the Starter or Pro plan. We recommend starting free and upgrading only when you hit a concrete limitation.
Which Plan Should You Pick?
Best if you are a solo user testing Wise or need basic functionality without paying.
Best for freelancers and small teams (2-5 people) who need core features at Per-transfer fees (varies by currency)/mo.
Best for organizations 50+ that need SSO, custom contracts, SLA guarantees, and dedicated support at Custom pricing for high volume/mo.
Price Comparison vs Alternatives
| Plan | Wise | Ramp | Gusto Payroll |
|---|---|---|---|
| Free Tier | Yes | Yes | Yes |
| Starter | Per-transfer fees (varies by currency) | Free | $40/mo + $6/person/mo |
| Pro | N/A | $12/user/mo (Ramp Plus) | $80/mo + $12/person/mo |
| Enterprise | Custom pricing for high volume | Custom | Custom |
| Rating | ★ 4.5 | ★ 4.8 | ★ 4.6 |