Pleo vs Wise Business Comparison
Compare Pleo vs Wise Business features, pricing, and more.
Last updated: November 2026
Pleo
6.8/10
Pleo is a European spend management platform that gives small and mid-sized businesses company cards, receipt capture, reimbursements and supplier invoice payments.
Wise Business
6.3/10
Wise Business is a multi-currency business account for sending, receiving, holding and converting money internationally, with team cards, batch payments and invoicing.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.8/10 | 6.3/10 |
| Scalability | 6/10 | 6/10 |
| Analytics | 6/10 | 3/10 |
| Compliance | 7/10 | 6/10 |
| Integration | 7/10 | 6/10 |
| Security | 7/10 | 7/10 |
| Support | 5/10 | 5/10 |
| Cost | 6/10 | 8/10 |
| Customization | 6/10 | 4/10 |
| Ease of Use | 9/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | £8/user/mo Start | Contact for pricing |
| Estimated cost for 10 users | £80/mo Start | Free Wise Business (US) |
| Features | ||
| Corporate Cards | ||
| Multi-currency | ||
| Accounts Payable | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | ||
| Invoicing | Not listed | |
| Online Payments | Not listed | |
| Payroll | ||
Pleo vs Wise Business cost by team size
| Team size | Pleo | Wise Business |
|---|---|---|
| 1 user | £8/moStart | FreeWise Business (US) |
| 5 users | £40/moStart | FreeWise Business (US) |
| 10 users | £80/moStart | FreeWise Business (US) |
| 25 users | £200/moStart | FreeWise Business (US) |
| 50 users | £400/moStart | FreeWise Business (US) |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Pleo
- Higher Analytics score (6/10 vs 3/10)
- Higher Customization score (6/10 vs 4/10)
Why choose Wise Business
- Higher Cost score (8/10 vs 6/10)
Pros & Cons
Pleo
Pros
- G2 reviewers praise the card and receipt-capture app as easy for employees to use, and Pleo holds a 4.7 rating across roughly 1,400 G2 reviews.
- Per-user list prices are published, starting at £8 per user per month.
- Native accounting integrations cover Xero, QuickBooks, NetSuite, FreeAgent, Xledger and Twinfield.
- SAML SSO is included even on the entry Start plan.
- The UK entity is authorised by the FCA, and cards are issued under a Mastercard licence.
Cons
- Build and Optimise are billed yearly and require at least three users.
- Transaction charges such as FX fees of up to 2 percent and per-payment fees add to the subscription cost.
- Live chat support is only included on Optimise, and Trustpilot reviewers complain about slow support.
- Some reviewers report weak coverage and support in the US.
- It is not an accounting system and has no general ledger, customer invoicing or payroll.
Wise Business
Pros
- Conversions use the mid-market rate with fees from 0.23%, often cheaper than banks for international payments.
- There is no monthly fee, only a one-time setup fee of 31 USD in the US.
- Batch payments can pay up to 1,000 recipients in one action, which helps companies paying contractors abroad.
- Local receiving details in 22 currencies let foreign clients pay domestically.
- Team cards come with custom spending permissions.
Cons
- It is not an accounting system and has no ledger, payroll or financial statements.
- Wise is not a bank: it offers no loans, and balances are safeguarded rather than deposit-insured by default.
- Users report delayed or frozen transactions and support that can be slow or hard to reach.
- Incoming SWIFT payments in USD, GBP and EUR carry per-payment fees.
- Feature availability, including cards, varies by country.
Not sold on either?
Frequently Asked Questions
Pleo scores higher on our Finance Software criteria: 6.8/10 against 6.3/10 for Wise Business. The largest gap is in Analytics: 6/10 for Pleo and 3/10 for Wise Business.
No, neither Pleo nor Wise Business lists a free plan.
