Airwallex vs Wise Business: what each publishes
As of October 7, 2026
The published rules of Airwallex and Wise Business, side by side: which industries each excludes or accepts, where owners must live, which countries each names, the licence each holds and the fees each publishes. Each answer links to the page that quotes the rule with the date we read it.
This is not a ranking, and the two names are in alphabetical order. Either provider may still decline your company because of its activity, where it is registered, where its owners live or which licence it holds. The free check applies the rules of every provider in our base to your answers.
Policy by industry
| Industry | Airwallex | Wise Business |
|---|---|---|
| Crypto | Depends on the activity | Depends on the activity |
| iGaming | No published rule | No published rule |
| Adult | No published rule | No published rule |
| Unlicensed financial services | No | No published rule |
| AI and SaaS | With conditions | No published rule |
| Forex and CFD | No published rule | No published rule |
| Marketplace | No published rule | No published rule |
Wise BusinessLicence
| Licensee | Airwallex | Wise Business |
|---|---|---|
| Licensee | Airwallex (UK) Ltd · EMI authorised by the FCA (FRN 900876) · Airwallex (Netherlands) B.V. | Wise Payments Ltd · EMI authorised by the FCA (FRN 900507) · Wise Europe SA (Belgium) |
| Regulator | FCA · | FCA · |
Where owners must live
Airwallex
No published rule
Wise Business
No published rule
Rules about countries
Airwallex
No published rule
Wise Business
No published rule
Fees
Airwallex
All 12 fee lines, by plan and country
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Explore (UK) | Not stated | GBP 0 or GBP 19 a month, VAT exclusive; GBP 0 a month if you deposit at least GBP 10k a month or hold a minimum balance of GBP 10k ('Monthly prices are in GBP and VAT exclusive') | · Source |
| Grow (UK) | Not stated | GBP 49 a month, VAT exclusive ('Monthly prices are in GBP and VAT exclusive') | · Source |
| Explore (EEA) | Not stated | EUR 0 or EUR 19 a month, VAT exclusive; EUR 0 a month if you deposit at least EUR 10k a month or hold a minimum balance of EUR 10k ('Monthly prices are in EUR and VAT exclusive') | · Source |
| Grow (EEA) | Not stated | EUR 49 a month, VAT exclusive ('Monthly prices are in EUR and VAT exclusive') | · Source |
| Explore (US) | Not stated | USD 0 per user a month ('Monthly prices are in USD') | · Source |
| Grow (US) | Not stated | USD 12 per user a month plus a platform fee based on team size ('platform fee based on team size') | · Source |
| Explore (Singapore) | Not stated | None (the SGD fee schedule reads 'Explore Plan $0 / month') | · Source |
| Grow (Singapore) | Not stated | 79 Singapore dollars a month, GST exclusive (the fee schedule, under 'Standard Fee (SGD)', reads 'Grow Plan $79 / month'; 'These fees exclude GST') | · Source |
| Explore (Hong Kong) | Not stated | None (the HKD fee schedule reads 'Explore Plan $ 0 / month') | · Source |
| Grow (Hong Kong) | Not stated | HKD 499 a month ('Monthly prices are in HKD') | · Source |
| Explore (Australia) | Not stated | AUD 0 or AUD 29 a month, GST inclusive; AUD 0 if you deposit at least AUD 5k a month or hold at least AUD 10k ('$0 or $29 /month'; 'Monthly prices are in AUD and inclusive of GST') | · Source |
| Grow (Australia) | Not stated | AUD 99 a month, GST inclusive ('$99 /month'; 'Monthly prices are in AUD and inclusive of GST') | · Source |
Wise Business
All 22 fee lines, by plan and country
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Wise Business (UK) | GBP 50 one-off set-up fee ('All in for 50 GBP', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (US) | USD 31 one-off set-up fee ('All in for 31 USD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Switzerland and Liechtenstein) | CHF 55 one-off set-up fee ('All in for 55 CHF', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (EEA) | EUR 60 one-off set-up fee ('All in for 60 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Belgium) | EUR 100 one-off set-up fee ('All in for 100 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Czechia) | CZK 1,350 one-off set-up fee ('All in for 1,350 CZK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Denmark) | DKK 450 one-off set-up fee ('All in for 450 DKK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Estonia) | EUR 50 one-off set-up fee ('All in for 50 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Germany) | EUR 55 one-off set-up fee ('All in for 55 EUR', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Hungary) | HUF 21,500 one-off set-up fee ('All in for 21,500 HUF', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Iceland) | GBP 45 one-off set-up fee ('All in for 45 GBP', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Norway) | NOK 700 one-off set-up fee ('All in for 700 NOK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Poland) | PLN 255 one-off set-up fee ('All in for 255 PLN', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Romania) | RON 300 one-off set-up fee ('All in for 300 RON', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Sweden) | SEK 670 one-off set-up fee ('All in for 670 SEK', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Australia) | AUD 65 one-off set-up fee ('All in for 65 AUD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Canada) | CAD 55 one-off set-up fee ('All in for 55 CAD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Singapore) | SGD 99 one-off set-up fee ('All in for 99 SGD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Hong Kong) | HKD 199 one-off set-up fee ('All in for 199 HKD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Japan) | JPY 3,000 one-off set-up fee ('All in for 3,000 JPY', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (New Zealand) | NZD 40 one-off set-up fee ('All in for 40 NZD', 'Get every Wise Business feature for one set-up fee') | No monthly fee listed | · Source |
| Wise Business (Brazil) | BRL 250 one-off registration fee ('Register for a Wise account 250 BRL', 'All in for 250 BRL'); account details then free | No monthly fee listed | · Source |