The best Wise Business alternatives for mid-sized companies
Looking for a Wise alternative for business? Compare amnis, Revolut, Airwallex, Ebury and OFX on FX costs, cards and hedging. Get started today.
Revolut Business works well for small teams that want an app-first account with cards. As companies grow – more employees, more currencies, more entities – many start looking for a Revolut Business alternative with higher limits, fixed FX pricing, and tools built for larger finance teams.
This guide compares four Revolut alternatives for larger companies, with roughly 50 to 500 employees in Europe: Airwallex, Wise Business, Ebury, and amnis. For each one you will find what it does best, how foreign exchange is priced, and who it suits.
Where Revolut Business reaches its limits for larger companies
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- FX allowances. Revolut exchanges at the interbank rate only up to a monthly allowance per plan: €1,000 on Basic, €15,000 on Grow, and €60,000 on Scale. Above that, fees apply. Enterprise allowances are custom.
- International transfers. The plans include 0 (Basic), 5 (Grow), or 25 (Scale) free international transfers a month.
- Harder to forecast. A company exchanging €200,000 a month goes beyond even the Scale allowance, so FX costs depend on how far you exceed your plan.
- Larger teams. With dozens of cardholders and several entities, card governance, spending limits, and one view across entities matter more than a simple app.
Revolut Business alternatives at a glance
| Provider | Best for | FX pricing | Accounts and currencies | Hedging |
|---|---|---|---|---|
| amnis | Mid-market companies in Switzerland and Europe with regular FX, team cards, and several entities | From 0.20% above mid-rate (0.20–0.40% by plan) | Accounts and IBANs in 20+ currencies | Forwards and limit orders (Enterprise) |
| Airwallex | Online and tech businesses collecting and paying globally | +0.5% above interbank for major currencies, +1% for others | Local account details in 20+ currencies | Not advertised |
| Wise Business | Simple transfers at low to medium volume | From 0.33%, varies by currency | Hold 40+ currencies | No forwards |
| Ebury | Larger companies with significant FX exposure | On request | Business accounts; hedging in 60+ currencies | Forwards, options, limit orders |
| Revolut Business (for comparison) | App-first teams that want accounts and cards in one place | Interbank rate within plan allowance, fees above | 30+ currencies | Forwards and limit orders listed |
Information on each Revolut Business alternative comes from the provider’s website as of November 2026. Revolut figures are for EUR plans. Prices can differ by country and change over time. This comparison is published by amnis.
The best Revolut alternatives for larger companies
1. amnis
Best for: mid-market companies in Switzerland and Europe that pay suppliers in several currencies, run cards for their teams, and manage more than one entity.
Founded in Zurich in 2014, amnis is the cross-border finance platform for European mid-market businesses. Its multi-currency business account brings accounts, international payments, currency exchange, and debit cards together in one place, for finance teams without an in-house treasury desk.
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- FX: from 0.20% above the mid-market rate, with a fixed markup per plan: +0.20% on Professional, +0.30% on Essential, and +0.40% on Launch, for exchanges from CHF 10,000 (smaller exchanges: +0.45% on Essential, +0.6% on Launch). No weekend FX surcharge, and no monthly FX allowance to run out.
- Accounts: accounts and IBANs in 20+ currencies, local payments in CHF, EUR, GBP, CZK, USD, DKK, and CAD, and international payments via SWIFT in 20+ currencies.
- Cards: unlimited physical and virtual debit cards on every plan, with 0% FX markup on card spend in currencies available on amnis, including weekends. Team-, project-, and region-level card management, real-time spend visibility and controls, employee spending limits, and centralised card governance.
- Integrations: accounting integrations with Xero, DATEV, Odoo, and Exact Online (via Chift), plus API connectivity.
- Hedging: forwards and limit orders on the Enterprise plan.
- Plans: Launch (EUR/CHF 0 with an average balance of 25,000, otherwise 19 per month), Essential (59), Professional (199), and Enterprise (custom). See all details on the pricing page.
Consider something else if you mainly need a consumer-style app for a very small team, or complex options strategies.
2. Airwallex
Best for: online and tech businesses that collect and pay in many currencies.
Airwallex offers local account details in 20+ currencies, employee cards, and APIs. FX costs 0.5% above the interbank rate for major currencies and 1% for others. EU plans range from €0 (or €19) to €49 a month, with custom pricing on top, and the top plan supports several legal entities, charged per entity. Read more in our guide to Airwallex alternatives.
Consider something else if your FX volume is high and you want a lower markup, or if you need forward contracts.
3. Wise Business
Best for: simple international transfers at low to medium volume.
Wise Business has no monthly fee and charges a conversion fee from 0.33%, depending on the currency. You can hold 40+ currencies and receive money with account details in 23 currencies. It does not offer forward contracts. See how it compares in our guide to Wise Business alternatives.
Consider something else if you need hedging, a fixed markup on large volumes, or tools for bigger teams.
4. Ebury
Best for: larger companies with significant FX exposure that want hedging and a dedicated client manager.
Ebury focuses on hedging: spot FX, limit orders, forward contracts, and options in 60+ currencies. It also offers business accounts, mass payments, and corporate cards. Pricing is not published and is agreed individually.
Consider something else if you want transparent, published pricing or a self-service platform for day-to-day payments and cards.
For reference: Revolut Business
Revolut Business plans for EUR accounts start at €10 a month (Basic), €35 (Grow), and €125 (Scale), with custom Enterprise plans. They include physical and virtual cards, 30+ currencies, and an option to manage several business accounts, and Revolut lists FX forwards and limit orders. For small teams with limited FX needs, it is a convenient choice.
What larger companies should check
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- Your FX volume vs. the pricing model. Compare a fixed markup with an allowance-based model at your real monthly volume, not at the plan price.
- Several entities. Can you see and manage accounts, cards, and payments across subsidiaries without separate logins and spreadsheets?
- Card governance. Check spending limits per employee, team-level controls, and real-time visibility before you roll out cards to dozens of people.
- Your existing setup. Most companies add a cross-border finance platform next to their main bank and accounting software rather than replacing them. Check which accounting systems are integrated.
How to choose the right Revolut Business alternative
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- Online business collecting globally: Airwallex.
- Low volume, simple transfers: Wise Business.
- Large FX exposure and complex hedging: Ebury.
- Mid-market company with regular supplier payments in several currencies, cards for the team, and more than one entity: amnis.
Frequently asked questions
It depends on your FX volume and structure. Companies with regular payments in several currencies often save with a fixed, low FX markup instead of a monthly allowance. If hedging is your main need, look at specialists such as Ebury.
Conclusion: the best Revolut alternative depends on how you grow
Revolut Business is a strong starting point for small teams. Larger companies that exchange high volumes, run cards for many employees, or manage several entities usually need more: a fixed FX markup, hedging, card governance, and one view across entities.
amnis covers these needs for mid-market companies in Switzerland and Europe, with FX from 0.2%, accounts in 20+ currencies, and 0% FX markup on card spend.
Check in two minutes whether amnis fits your business, then compare our FX rates with what you pay today.
