Comparison
Navan vs Wise Business
A side-by-side look at Navan and Wise Business — pricing, regions, integrations, pros and cons. Use The AI Recommends if you'd rather have an AI pick for you.
Navan
Travel and expense, reimagined.
Navan (formerly TripActions) combines a corporate travel platform with Navan Expense and Navan Liquid corporate cards — all running on a single rewards-driven booking engine.
Wise Business
Send, hold and convert money in 40+ currencies.
Wise Business gives companies multi-currency accounts, local banking details in 10 currencies, and debit cards — at the mid-market FX rate.
Side-by-side
| Spec | Navan | Wise Business |
|---|---|---|
| Tagline | Travel and expense, reimagined. | Send, hold and convert money in 40+ currencies. |
| Headquarters | Palo Alto, USA | London, UK |
| Founded | 2015 | 2011 |
| Regions | US, EU, UK, Global | Global, EU, UK, US |
| Card type | Charge card | Mastercard debit |
| Pricing | Travel free for many SMBs; Expense + cards priced per user. | One-off setup fee in some markets; usage-based FX. |
| Rewards | Travel rewards via Navan Rewards. | — |
| Best for | Companies with heavy travel, Mid-market, Global teams | Cross-border SMBs, Freelancers, Remote-first companies |
| Integrations | NetSuite, QuickBooks, Sage Intacct, Workday, SAP | Xero, QuickBooks, FreeAgent, Wave |
Navan: pros & cons
- Best-in-class travel product
- True global card issuance
- Strong rewards
- Expense module is younger than travel
- Pricing varies by deal
Wise Business: pros & cons
- Cheapest FX in market
- Trusted global brand
- No credit
- Limited spend controls