Navan vs. Wise Business

Last verified 32 days ago · 15 sources · Updated automatically

Navan and Wise Business compared across Company facts, Pricing, Card & limits, Rewards & cash back, Spend management, Security & compliance and Platform & integrations — every fact sourced and re-verified from each vendor's public material.

Navan

Formerly TripActions — combined travel, expense, and corporate card, tying card spend to booked travel and policy.

Founded2015

HQ Palo Alto, CA

Visit Navan Full profile

Wise Business

Multi-currency business account with debit and expense cards, built around low-cost FX for international payments.

Founded2011

HQ London, United Kingdom

Visit Wise Business Full profile

Attribute

Navan

Wise Business

Company facts

Headquarters

Palo Alto, CA Global HQ; offices in 12+ countries

London, United Kingdom

Employees

3k 3,000+ employees (2026, vendor-stated)

5.5k 5,499 employees (2024)

Pricing

Starting Monthly Price (USD)

$0 Navan Business is free (travel + first 5 expense users); card has no annual fee

$0 No monthly software fee; one-time ~$31 account set-up fee

Paid Tier Price (USD/user/mo)

$15 $15/user/mo for expense users beyond the first 5 (Navan Business)

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Card & limits

Card Type

charge card Corporate-liability card (no personal credit impact); issued via Celtic Bank/Stripe/Adyen. Type not labeled 'charge card' on any first-party Navan card page.

debit Multi-currency debit card funded by the Wise account balance

Card Network

Visa Issued-card network not first-party confirmed (inferred)

Visa

No Personal Guarantee

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Balance-funded debit card; no personal guarantee or credit check

Limit Basis

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account balance Spend limited to available deposited balance; admins set per-card limits

Virtual Cards

Unlimited on-demand virtual cards with customizable spend limits; auto-generated per booking

Create digital cards instantly to separate expense types

No Foreign Transaction Fees

No conversion fee on cross-currency card spend: a purchase card issued in one currency can be used in others, settling in the issuing currency (USD/GBP/EUR) with no conversion fee.

No foreign transaction fees on card spend; mid-market rate, no FX markup

Rewards & cash back

Rewards Model

flat cash back Up to 1.5% back on every Navan card transaction; travel-centric rewards also via Navan Rewards

none No cash-back or points rewards program

Flat Cash-Back Rate

1.5% Up to 1.5% back on every Navan card transaction ('up to' is the ceiling rate)

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Spend management

Receipt Capture & Matching

Mobile receipt photo upload, auto-matched to transactions; travel charges auto-coded to trip/GL

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Approval Workflows & Policies

Configurable spend policies; out-of-policy transactions instantly flagged; unlimited policy/approval workflows

Per-card spend limits and freeze controls only; no multi-step approval routing

Employee Reimbursements

Out-of-pocket reimbursements via payroll or bank, across 45 countries / 25 currencies; included free for first 5 users

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Bill Pay / AP

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Pay vendor bills/invoices; BatchTransfer sends up to 1,000 payments from a spreadsheet

Security & compliance

SOC 2

AICPA SOC 2 Type 2 (also SOC 1 Type 2)

SOC 2 Type II (also SOC 1 Type 2, PCI DSS, ISO 27001)

SSO (SAML)

SSO via SAML 2.0 (Okta, Azure) and OpenID Connect

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SCIM Provisioning

SCIM provisioning (Okta SCIM); HRIS integrations also via SCIM

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Platform & integrations

Accounting / ERP Sync

Native sync to NetSuite, QuickBooks Online, Xero, Sage (Intacct), Datev

Native sync to QuickBooks, Xero, NetSuite, Sage, FreeAgent, Zoho Books and more

Public API

Public Booking API and Expense API for integrating booking/expense transaction data

Public Wise API: payments automation, conversions, balances; card issuing via Wise Platform

The verdict

Navan

Best for policy-driven expense management with rewards

Navan adds the spend controls Wise lacks: configurable approval workflows with out-of-policy flagging, receipt capture and matching, and employee reimbursements across 45 countries. Its charge card earns up to 1.5% flat cash back (Wise offers none), and SSO/SAML plus SCIM provisioning suit larger IT setups. The first 5 expense users are free, then $15/user/mo.

Full profile

Wise Business

Best for balance-funded spend and cross-border payouts

Wise runs on a multi-currency debit card funded by the account balance, so there is no personal guarantee or credit check, with spend capped to deposited funds. It adds bill pay and BatchTransfer (up to 1,000 payments from a spreadsheet) that Navan does not list. The trade-offs: no rewards, and only per-card limits and freezes rather than multi-step approval routing.

Full profile

Sources · 15 verified references

navan.com en.wikipedia.org wise.com app.navan.com

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