Managing international transactions and financial operations without a tailored solution can cost you in FX fees, inefficient workflows and cash flow problems.
This affects your ability to manage invoicing and receipts, and it can create bottlenecks for essential processes like ad spending and inventory management.
As a result, your team members get sidetracked with problem-solving issues like unfreezing bank cards.
So, you need business account that’s designed for digital commerce operations, including
low FX fees, IBAN accounts in your preferred currencies and as many virtual cards as your team members need.
If you’re reviewing the best Wise alternatives for your business, in this article, you’ll see:
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Wise is a financial technology company that facilitates international transactions. You can use it to set up local business accounts in any of 9 currencies, allowing overseas customers to pay you from wherever they are. You can also manage your team’s international spending with a business debit card that has a pre-set limit and no foreign transaction fees.
Wise offers a mid-market exchange rate which means there are no hidden fees or exchange-rate markups. Once your account is verified you can make payments to over 70 countries. Recipients don’t need a Wise account to receive payments, the money goes directly to their local account.
Wise Business also integrates with accounting software through App Marketplace. Custom integrations are also available through Wise’s API, so your team can test and build systems that are tailored to your tools, processes and workflows.
Here’s an at-glance-view of Wise’s features for businesses:
Registering for a Wise account is free, but other fees may apply. See more info on pricing here
Wise offers many features that a business might need to function internationally but they are not the only service available for those looking to transfer money across borders.
In this article we’ll take a look at some of the alternatives to Wise.
Your finance team could benefit from automating manual tasks so you can increase productivity and minimise human error, better visibility across your financial operations and a more cost-effective solution for moving money.
On top of these key points, you should look for:
Juni offers digital commerce businesses the financial tools and intelligence needed to manage cash flow, do international transactions and make smarter decisions for your business faster.
As your business expands and managing cash flow becomes more challenging, Juni simplifies the process by allowing you to handle payments from different accounts and currencies from one dashboard.
Juni is specifically designed for ecommerce businesses and integrates with sales platforms such as Shopify and Amazon, as well as accounting software like Fortnox and Exact Online. With two-way automations linked to your accounting software your finance team can save hours of manual work so they can focus on directing your financial resources towards campaigns that generate revenue.
Avoid the delays of blocked cards when buying ads and simplify your spend management by creating unlimited virtual cards. Configurable settings with custom spend limits ensure that your expenses are kept under control at all times.
Juni offers business accounts in multiple currencies, including SEK, GBP, EUR, USD and NOK. You can open multiple IBAN accounts in your preferred currency and pay vendors and freelancers across the globe, eliminating the hassle of cross-border payments. You can then create as many cards as you need as soon as your account is open.
Control over spending is made easier with set limits on Juni World Business Mastercards. You can assign cards to specific employees and create notifications that warn you when a spending limit has been reached.
FX fees are transparent and stable, capped at 0.5%, avoiding expensive transactions that limit your budget. A limited budget for ad spend is also made less stressful with flexible credit lines so your ads can pay you before you start paying for them.
Juni also integrates with Shopify and Amazon stores from one smart dashboard, giving you real-time data and insights, wherever you are in the world. With Juni’s receipt matching, your team can save days of manually hunting down receipts by automatically importing Meta, Tiktok, Shopify and Klaviyo receipts.
Integrations with accounting software such as Xero and Quickbooks mean that your finance teams can save time on manually uploading data, reducing the likelihood of errors and improving overall productivity.
Juni offers bespoke pricing for finance teams looking to ease complex cash flow cycles.
“Before starting with Juni, we knew we had cash flow problems – but we didn’t know how to solve them. Juni has been the perfect companion and a much better match compared to AMEX and the previous banks we were using,” – Rens van der Schoot, Founder of Hang Eleven
You can read how Hang Eleven use Juni to:
Hang Eleven are now setting their sights on expanding their brand internationally and have recently launched their products on Zalando.
Revolut Business offers a range of banking services through its mobile app. Businesses can benefit from payments and transfers to countries such as Brazil, Colombia and Vietnam in as little as two days.
Currencies will automatically transfer to your recipient’s local currency so you don’t need to worry about extra charges.
With Revolut’s multi-currency accounts you can receive international transfers at the speed and cost of domestic transfers. Each plan for businesses offers spending for unlimited team members with physical and virtual cards. You can set limits so your spending is always kept under control.
Revolut offers the following features to businesses:
Revolut offers 4 tiers of pricing for businesses based on different needs.
PayPal offers financial services to small and enterprise businesses, allowing for secure online and in-person payments.
Get a debit card that offers you 1% cashback on eligible purchases that you can use online and in-store. You can get up to 4 cards that allow others to make purchases on your behalf and allow you to track spend on each card.
Businesses can also apply for working capital loans when things are tight. Loans are based on your PayPal account history. You can apply for €900-€130,000with no credit check.
PayPal Business integrates with ecommerce platforms such as Shopify, WooCommerce and OpenCart, along with marketplaces and account systems so you can manage your billing and invoicing, and sell your products and subscriptions.
PayPal offers these services to business customers:
There are 2 tiers of pricing for small and enterprise businesses.
Check out pricing here
Payoneer’s payment platform enables businesses to conduct business in multiple currencies in the US, UK, Europe, Japan, Canada, Australia, Singapore, Hong Kong, and UAE.
The platform supports 70+ currencies and offers Capital Advance to companies up to 140% of your monthly volume.
A business credit card is available in four different currencies and eligible purchases will earn you cashback rewards. There are no credit checks, virtual cards are available and you can set spending limits of up to 200,000 USD.
All payments can be automatically linked up with accounting software such as Xero and Quickbooks.
The following services are available to business with Payoneer:
Payoneer offers free and paid versions of their services, depending on business needs
Keeping track of your expenses while managing multiple accounts in multiple currencies is a challenge for even the most skilled finance teams. The right business account will allow you to stay on top of international spending while ensuring that you are benefiting from the best exchange rates.
Wise offers a robust solution but it’s not the only option out there.
Consider the features, fees and integrations of each alternative, so you can find the solution that best fits your business needs and goals, and help simplify your business finances.
Juni is not a bank – yet. We’re a financial technology company providing e-money services and as such are not part of a deposit guarantee scheme. Learn more about our license and how we keep your business and money safe.
Juni Technology AB (company number 559248-0908) is licensed and registered as an electronic money institution with the Swedish Financial Supervisory Authority (Sw. Finansinspektionen) (license no: 64025). Payment Card Solutions (UK) Limited (company number 05941947) and UAB B4B Payments Europe (company number 305539054) are regulated by the Financial Conduct Authority (ref: 930619) and the Bank of Lithuania (licence no: 76), respectively. The Juni Mastercard Corporate Card is issued by Payment Card Solutions (UK) Limited and UAB B4B Payments Europe pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Juni Technology AB. Masthamnsgatan 21, 413 28 Göteborg, Sweden. © 2025 Juni. All Rights Reserved.
