Comparison
Pleo vs Wise Business
A side-by-side look at Pleo and Wise Business — pricing, regions, integrations, pros and cons. Use The AI Recommends if you'd rather have an AI pick for you.
Pleo
Smart company cards for European teams.
Pleo is Europe's leading spend management platform, pairing physical and virtual cards with automated expense reports, invoice management and accounting integrations across 30+ EU/UK markets.
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 | Pleo | Wise Business |
|---|---|---|
| Tagline | Smart company cards for European teams. | Send, hold and convert money in 40+ currencies. |
| Headquarters | Copenhagen, Denmark | London, UK |
| Founded | 2015 | 2011 |
| Regions | EU, UK | Global, EU, UK, US |
| Card type | Prepaid + credit (market dependent) | Mastercard debit |
| Pricing | Starter free up to 3 users; Essential €45/mo; Advanced €89/mo; Beyond custom. | One-off setup fee in some markets; usage-based FX. |
| Rewards | 1% cashback on Advanced+ in select markets. | — |
| Best for | European SMBs, Distributed teams, Companies using Xero/QuickBooks EU | Cross-border SMBs, Freelancers, Remote-first companies |
| Integrations | Xero, QuickBooks, Sage, Datev, Economic, Visma | Xero, QuickBooks, FreeAgent, Wave |
Pleo: pros & cons
- Strong European footprint
- Best-in-class UX
- Local accounting integrations
- Per-user pricing adds up
- Limited US presence
Wise Business: pros & cons
- Cheapest FX in market
- Trusted global brand
- No credit
- Limited spend controls