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