Wise Pricing 2026
Plans, hidden costs, and alternatives compared
Cite this data: Toolradar, Wise pricing verified Oct 2026, toolradar.com/tools/wise/pricing
Wise is free.
Verified Oct 2026 from the official pricing page.
Is Wise worth the price?
Wise's 'Pay As You Go' model is generally fair and transparent, especially with its mid-market exchange rate.
The combination of a variable fee (~0.33%) and a fixed $7 fee per transfer can add up for frequent, smaller transactions. This pricing is best for individuals and businesses making occasional international transfers who prioritize transparency over subscription models.
Pricing Plans
Pay As You Go
Free
- No subscription
- Mid-market rate
- ~0.33% variable fee
- $7 fixed fee per transfer
- 60% instant transfers
- Multi-currency accounts
Hidden Costs & Gotchas
Fixed $7 fee can be high for small transfers.
How Wise compares
4 of 6 direct competitors offer a free plan.
Wise Pricing FAQ
How much does Wise cost?
Wise is free to use. No subscription or one-time fee is required for the core product.
Does Wise have a free plan?
Yes. Wise offers a free plan called "Pay As You Go". It includes: No subscription, Mid-market rate, ~0.33% variable fee.
What are alternatives to Wise?
Alternatives to Wise include Stripe, Mercury, PayPal, Kyriba. OpenMeter is fully free. Mercury starts at $20/month, billing unit not specified; PayPal starts at $14.99/month, billing unit not specified; Stigg starts at $448/month, billing unit not specified.
Wise alternatives
Direct competitors. Starting prices match the table above.
Sources
- Official Wise pricing: wise.com/pricing (verified Oct 2026)
- Cite this data: Toolradar, Wise pricing verified Oct 2026, toolradar.com/tools/wise/pricing
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