Revolut Business alternatives for larger companies
Looking for a Revolut Business alternative for a larger company? Compare amnis, Airwallex, Wise, and Ebury on FX costs, cards, and multi-entity setups.
Wise Business is a solid choice for simple international transfers. But many mid-sized companies start looking for a Wise alternative for business once they pay suppliers in several currencies, run cards for whole teams, or manage accounts for more than one legal entity.
If you are looking for a Wise alternative for business with roughly 50 to 500 employees in Europe, this guide compares five options: Revolut Business, Airwallex, Ebury, OFX, and amnis. For each one you will find what it does best, how foreign exchange is priced, and who it suits.
When do you need a Wise alternative for business?
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- FX volume grows. Wise charges a conversion fee from 0.33% per exchange. At a few million in annual FX volume, a plan with a fixed, lower markup can cost less.
- You need hedging. Wise Business does not offer forward contracts, so you cannot lock in a rate for a future supplier payment.
- Several entities or banks. Finance teams want one view of cash across subsidiaries and banks instead of separate logins and spreadsheets.
- Cards for many employees. Spend controls, receipts, and accounting sync matter more once dozens of people pay with company cards.
Wise Business alternatives at a glance
| Provider | Best for | FX pricing | Accounts and currencies | Hedging |
|---|---|---|---|---|
| amnis | Mid-sized companies in Switzerland and Europe with regular FX and team cards | From 0.20% above mid-rate (0.20–0.40% by plan) | Accounts and IBANs in 20+ currencies | Forwards and limit orders (Enterprise) |
| Revolut Business | App-first teams that want accounts and cards in one place | Interbank rate within plan limits, fees above | 25+ currencies | Forwards and limit orders listed |
| 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 |
| Ebury | Larger companies with significant FX exposure | On request | Business accounts; hedging in 60+ currencies | Forwards, options, limit orders |
| OFX | Businesses needing occasional forward contracts | Built into the exchange rate, not published | Local details in GBP, EUR, USD, CAD | Forwards and limit orders |
| Wise Business (for comparison) | Simple transfers at low to medium volume | From 0.33%, varies by currency | Hold 40+ currencies | No forwards |
Information on each Wise alternative for business comes from the provider’s website as of November 2026. Prices can differ by country and change over time. This comparison is published by amnis.
The best Wise Business alternatives in detail
1. amnis
Best for: mid-sized companies in Switzerland and Europe that pay suppliers in several currencies and run cards for their teams.
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.
- 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.
- Automation: cash management rules, bulk payments, API connectivity, and accounting integrations with Xero, DATEV, Odoo, and Exact Online (via Chift).
- 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 only send a few small transfers a year, or if you need complex options strategies.
2. Revolut Business
Best for: app-first teams that want accounts, cards and expense tools in one place.
Revolut Business supports 25+ currencies and exchanges at the interbank rate within the limits of each plan. Above those limits, fees apply. It offers physical and virtual cards, expense management, and integrations, and lists FX forwards and limit orders.
Consider something else if you want a fixed FX markup that does not depend on plan limits, or personal support for treasury questions.
3. 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 EUR 0 (or 19) to EUR 49 per month, with custom pricing on top. The top plan supports several legal entities, charged per entity.
Consider something else if your FX volume is high and you want a lower markup, or if you need forward contracts.
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.
5. OFX
Best for: businesses that make international payments and occasionally need a forward contract.
OFX lets businesses pay suppliers in 30+ currencies and offers local account details in GBP, EUR, USD, and CAD. Forward contracts and limit orders are available, with phone, email, and chat support. FX is priced through the exchange rate rather than an itemised fee, and its corporate card charges a 1.5% FX margin on international card payments.
Consider something else if you want a published FX markup or local accounts in CHF.
For reference: Wise Business
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. For low volumes and simple transfers it is hard to beat. The Wise alternatives for business above add hedging, fixed markups, higher payment allowances, or support for larger teams. Looking mainly at cards? Read our guide to Wise debit card alternatives.
If you have subsidiaries or several banks
Many mid-sized companies have no treasurer. The CFO or head of finance runs cash and FX alongside everything else, often across three to five legal entities and several banks. When they choose a Wise alternative for business, the question is less “which provider is cheapest per transfer?” and more “which one saves us time?”
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- One view of cash. Can you see balances across currencies and accounts in one place, without exporting statements into a spreadsheet?
- Entity setup. Does the provider support several legal entities, and is it charged per entity? Airwallex and OFX offer this on their top plans. At amnis, group setups run through the Enterprise plan.
- Keeping your existing setup. Most companies add a multi-currency platform next to their main bank and accounting software rather than replacing them. Check that statements and payments sync with your accounting system.
- Predictable FX. A fixed markup per plan makes costs easier to forecast than fees that change with plan limits. If you need to protect future payments, read how to mitigate exchange rate risk.
How to choose the right Wise alternative for business
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- Low volume, simple transfers: Wise Business.
- App-first team, cards and expenses in one place: Revolut Business.
- Online business collecting globally: Airwallex.
- Large FX exposure and complex hedging: Ebury.
- Occasional forward contracts: OFX.
- Mid-sized company in Switzerland or Europe with regular supplier payments in several currencies and cards for the team: amnis.
Frequently asked questions
It depends on your FX volume and needs. For regular supplier payments in several currencies, a provider with a fixed, low FX markup and multi-currency accounts usually costs less than per-transfer fees. If hedging is your main need, look at specialists such as Ebury.
Conclusion: the best Wise alternative for business depends on your size
Wise Business works well for simple transfers. Mid-sized companies that pay suppliers abroad, run cards for many employees, or manage several entities usually need more: lower and fixed FX markups, hedging, higher payment allowances, and one view of their money.
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.
