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Payment & Billing

Ramp vs Wise Business: Pricing Comparison 2026

Side-by-side pricing comparison of Ramp and Wise Business. See all plans, features, and costs at a glance.

Bottom line: Both Ramp and Wise Business offer free plans. Ramp has 3 pricing tiers while Wise Business has 5.

Last updated: July 6, 2026

Data compiled by Arthur Jacquemin
Updated July 6, 2026
Try Ramp freeTry Wise Business freePrice updated 10d agoPrice updated 10d ago
Best Value

Wise Business - Wise Business offers a free plan, offers 5 tiers vs 3.

Ramp vs Wise Business: Quick Pricing Facts

FeatureRampWise Business
Starting PriceCustom pricing$0.33/mo
Number of Plans35
Free TierYesYes
Pricing Modelfreemiumusage-based
Annual DiscountN/AN/A

Ramp and Wise Business are both priced at Custom pricing, making them equally accessible Payment & Billing tools. Together they offer 8 pricing plans with 18 features compared, so the best choice comes down to which features match your needs.

Both tools offer free plans, making them accessible for teams on a budget. Ramp uses freemium pricing while Wise Business uses usage-based pricing, which may affect your total cost at scale.

Review the detailed tier-by-tier comparison above to see exactly which features are included at each price point and find the best fit for your Payment & Billing needs.

Pricing Plans
Ramp
Wise Business
Wise Business
Try free
Tier 1
Free
$0/monthCheapest
Start with Free
Register for a Wise account
$0/monthCheapest
Includes
  • Register for a Wise account Free
Start with Register for a Wise account
Tier 2
Plus
Custom pricing
Start with Plus
Sending money
$0/monthCheapest
Includes
  • Sending money Fee varies by currency From 0.33%
Start with Sending money
Tier 3
Enterprise
Custom pricing
Start with Enterprise
Withdrawing 250 GBP per month per account
$0/monthCheapest
Includes
  • Withdrawing 250 GBP per month per account Free
  • ATM fees over 250 GBP per month per account 2.69% of amount over 250 GBP
  • Some ATM providers may charge additional fees.
  • Topping up external e-wallets Applies to transactions that include topping up e-wallets and other accounts in certain currencies, see FAQ. 2%
  • Getting the Wise debit card No subscription fees 7 GBP
  • Converting money Fee varies by currency From 0.33%
  • Pay with the Wise card Spend funds in your account in the same currency online, in-store and abroad safely Free
Start with Withdrawing 250 GBP per month per account
Tier 4
-
Holding money in your account
$0/monthCheapest
Includes
  • Holding money in your account Free
  • Using Wise Interest Keep your money in an interest-earning fund Capital at risk. Growth not guaranteed Learn more From 0.26% annual fee
  • Using Stocks Have a stake in the world’s largest companies Capital at risk. Growth not guaranteed Learn more From 0.59% annual fee
Start with Holding money in your account
Tier 5
-
Getting account details to receive in 22 currencies
$0/monthCheapest
Includes
  • Getting account details to receive in 22 currencies Learn more Free
  • Receiving domestic payments (non-Swift / non-wire) Receive AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD, USD Free
  • Receiving USD wire and Swift payments Fixed fee per payment 6.11 USD
  • Receiving GBP Swift payments Fixed fee per payment 2.16 GBP
  • Receiving EUR Swift payments Fixed fee per payment 2.39 EUR
  • Receiving Swift payments in an additional 19 currencies You can see how much they cost here
Start with Getting account details to receive in 22 currencies

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Ramp

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Wise Business

International money transfers and multi-currency accounts

View all Wise Business plans

Frequently Asked Questions: Ramp vs Wise Business

How many pricing plans does Ramp have vs Wise Business?
Ramp offers 3 pricing plans, while Wise Business offers 5 plans. More plans typically means more flexibility to match your exact needs and budget.
Does Ramp or Wise Business offer a free plan?
Yes, both Ramp and Wise Business offer free plans. Compare the feature limits of each free tier to see which better fits your use case before upgrading.
Does Ramp or Wise Business offer custom enterprise pricing?
Ramp offers a custom-priced enterprise tier for larger teams. Wise Business lists all its pricing publicly.
What pricing models do Ramp and Wise Business use?
Ramp uses a freemium pricing model, while Wise Business uses usage-based pricing. The right model depends on your team size and usage patterns.
How do Ramp and Wise Business compare for Payment & Billing?
Both Ramp and Wise Business are Payment & Billing tools. Ramp offers 3 plans starting at Custom pricing, while Wise Business offers 5 plans starting at $0.33/mo. Review the feature breakdowns above to see which better fits your Payment & Billing needs.
AI Recommendations

Sources

  1. Ramp Official Pricing- Vendor pricing page
  2. Wise Business Official Pricing- Vendor pricing page

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