Wise Pricing 2026
Complete breakdown of Wise plans, costs, and what's included. Start free or choose a paid plan from $0/mo.
All Wise Plans & Pricing
Choose the right plan for your needs. All prices are billed monthly.
Free
- ✓ Basic features included
- ✓ Limited storage
- ✓ Community support
- ✓ Single user or limited seats
- ✓ Core functionality access
Personal
- ✓ Full feature access
- ✓ Priority support
- ✓ Advanced integrations
- ✓ Team collaboration
- ✓ Custom configurations
Business
- ✓ All Pro/Plus features
- ✓ Advanced permissions
- ✓ Bulk export & admin tools
- ✓ SAML SSO
- ✓ Dedicated support
Enterprise
- ✓ Everything in Business
- ✓ Custom contracts
- ✓ Dedicated account manager
- ✓ Advanced security & compliance
- ✓ Unlimited everything
- ✓ Custom integrations & SLA
All Wise paid plans are billed per transaction. Annual billing typically saves 15-20%.
Wise Plan Comparison
See what's included in each plan at a glance.
| Feature | Free | Personal | Business | Enterprise |
|---|---|---|---|---|
| Price | $0 | $0/mo | Custom | Custom |
| Storage | Limited | 100 GB | Unlimited | Unlimited |
| Team Members | 1-5 | Up to 50 | Unlimited | Unlimited |
| Integrations | Basic | Advanced | All + Custom | All + Custom |
| Support | Community | Priority | Dedicated | 24/7 Dedicated |
| Analytics | Basic | Advanced | Enterprise | Custom |
| Custom Branding | ✗ | ✓ | ✓ | ✓ |
| API Access | Limited | Full | Full | Full + Custom |
| SSO / SAML | ✗ | ✗ | ✓ | ✓ |
How to Save on Wise
Choose Annual Billing
Save 15-20% by switching from monthly to annual billing. Most Wise plans offer this discount.
Student & Education Discounts
Students, teachers, and educational institutions may qualify for special pricing or extended free plans.
Startup Programs
Early-stage startups can often access premium features at reduced rates through partner programs.
Start with Free
The Wise free plan is generous enough for individual use. Upgrade only when you truly need more.
Wise vs Competitors: Price Comparison
How does Wise pricing stack up against similar tools?
Wise Pricing FAQ
Common questions about Wise costs, plans, and billing.
Is Wise free?
Yes, Wise offers a free plan that includes basic features. It's a great way to get started without any commitment. For more advanced functionality, paid plans start at $0/month.
How much does Wise cost per user?
Wise uses a per transaction pricing model. The Personal plan is $0/month. The Business plan is $0/month.
Does Wise offer a free trial?
Most Wise paid plans include a free trial period (typically 7-14 days) so you can explore premium features before committing. Additionally, the free plan is available indefinitely with no credit card required.
What is the cheapest Wise plan?
The cheapest option is the Free plan, which costs nothing. If you need more features, the most affordable paid plan is Personal at $0/month.
Is Wise worth the price?
Wise is rated 4.6/5 by users. It's best for digital nomads, freelancers, international businesses. Key strengths include transparent fees with real mid-market exchange rates and multi-currency account holds 40+ currencies. The free plan lets you evaluate it risk-free. Compare with alternatives like YNAB and Mint to ensure the best fit.
Does Wise offer discounts for annual billing?
Yes, most SaaS tools including Wise offer significant discounts (typically 15-20% off) when you choose annual billing instead of monthly. Student, nonprofit, and startup discounts may also be available — check the Wise pricing page for current offers.
Ready to get started with Wise?
Try Wise free — no credit card required. Upgrade anytime as your needs grow.