Last verified 32 days ago·13 sources·Updated automatically
Revolut Business 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.
Revolut Business
Multi-currency business account with corporate cards, expense management, and strong FX for cross-border spend.
$40Grow plan, $40/mo (US) — first step up from Basic, adds custom approvals, analytics, Business API.
—
Card & limits
Card Type
debitUS cards are prepaid, drawn from the Revolut Business account balance.
debitMulti-currency debit card funded by the Wise account balance
Card Network
Visa or MastercardUS prepaid cards offered on both Visa and Mastercard (Revolut Prepaid Visa / Revolut Prepaid Mastercard), issued by Lead Bank.
Visa
No Personal Guarantee
Balance-funded prepaid/debit card — no personal guarantee or personal credit check; spend is limited to deposited funds.
Balance-funded debit card; no personal guarantee or credit check
Limit Basis
account balanceSpending is funded by and limited to the available Revolut Business account balance (prepaid/debit).
account balanceSpend limited to available deposited balance; admins set per-card limits
Virtual Cards
Up to 50 virtual cards per team member, issued instantly with per-card spend/category/country controls; usable in Apple/Google Pay.
Create digital cards instantly to separate expense types
No Foreign Transaction Fees
—
No foreign transaction fees on card spend; mid-market rate, no FX markup
Rewards & cash back
Rewards Model
—
noneNo cash-back or points rewards program
Spend management
Receipt Capture & Matching
AI receipt capture (photo/email) with OCR auto-fill and auto-matching to transactions, up to 98% match accuracy. Expense add-on, extra cost on all plans.
—
Approval Workflows & Policies
Configurable spend policies/card controls on all plans; custom multi-step spend & expense approval workflows on Grow plan and above.
Per-card spend limits and freeze controls only; no multi-step approval routing
Employee Reimbursements
Built-in out-of-pocket reimbursements with receipts and instant payouts, plus a mileage-claims tool. Part of the Expenses add-on (extra per-member fee).
—
Bill Pay / AP
US: pay suppliers, vendors and subscriptions via virtual company cards. Dedicated Revolut BillPay / AP invoice payment is not confirmed for the US (appears only on UK/global pages).
Pay vendor bills/invoices; BatchTransfer sends up to 1,000 payments from a spreadsheet
Security & compliance
SOC 2
—
SOC 2 Type II (also SOC 1 Type 2, PCI DSS, ISO 27001)
Platform & integrations
Accounting / ERP Sync
Native sync to QuickBooks, Xero, NetSuite, Sage Intacct, FreeAgent, Dynamics 365 Business Central, Odoo, Zoho Books and more; on all plans.
Native sync to QuickBooks, Xero, NetSuite, Sage, FreeAgent, Zoho Books and more
Public API
Public Business API (REST) for cards, transactions, payments; documented at developer.revolut.com. Available on Grow plan and above.
Public Wise API: payments automation, conversions, balances; card issuing via Wise Platform
The verdict
Revolut Business
Best for multi-step approvals and expense controls
Revolut adds what Wise lacks: custom multi-step spend and expense approval workflows (Grow plan), AI receipt capture, and built-in reimbursements. Cards run on Visa or Mastercard. Trade-offs are a $10/user/mo Basic floor with no free tier, and a public API gated to the $40 Grow plan.
Wise has no monthly software fee (one-time ~$31 setup) versus Revolut's $10/user/mo floor, and charges no foreign-transaction fees at the mid-market rate. It also carries a SOC 2 Type II attestation. The gap: per-card limits and freezes only, with no multi-step approval routing, and Visa cards only.
Affiliate disclosure. DecisionWire may earn a commission when you sign up through links on this page. Commissions never influence our data, scores, or rankings.
