Snapshot
Wise Business and Found compared on the points that usually decide a business account: account type, monthly fee, currency support, eligibility and where each one is available.
Wise Business figures as of 6 September 2025Found figures as of 6 September 2025Last reviewed 6 September 2025
General information, not financial, legal, or tax advice. There is no single best account. The right fit depends on your business. Verify current terms and eligibility with each provider before applying.
Wise Business and Found serve different needs. Wise Business is a multi currency account for holding, receiving and converting many currencies with local account details abroad, available in many countries. Found is a United States account built for the self employed, with automatic tax set aside, bookkeeping and invoicing in one app. Use the comparison below to weigh account type, fees, currency support and eligibility against how your business operates, then confirm the latest terms with each provider. Figures are shown as of 6 September 2025.
Wise Business vs Found at a glance
| Feature | Wise Business | Found |
|---|---|---|
| Account type | Multi currency account from Wise. Wise is a financial technology company and electronic money institution, not a bank, working with partner institutions to safeguard funds. | Business banking built for the self employed, with banking services provided by a partner bank that is a member of the Federal Deposit Insurance Corporation. Found is a financial technology company, not a bank. It adds automatic tax set aside, bookkeeping and invoicing. |
| Who it suits | Businesses that send, receive or hold money in several currencies, including importers, exporters, freelancers and online sellers that want local account details abroad. | United States self employed people, freelancers, independent contractors and sole proprietors who want a simple account with built in tax and bookkeeping tools. |
| Monthly fee | No monthly account fee. There is a one time fee to open the account that varies by country, for example about 31 United States dollars in the United States. As of 6 September 2025. Verify with Wise. | No monthly fee on the core account. Paid plans add features, for example Found Plus at about 35 United States dollars a month and Found Pro at about 80 United States dollars a month. As of 6 September 2025. Verify with Found. |
| Transaction fees | Pay as you go pricing. Sending money and currency conversion carry a small percentage fee that varies by route and currency. As of 6 September 2025. Verify the current rate on the Wise pricing page. | No monthly minimum or overdraft fee on the core account. Some transactions, such as wires and instant transfers, can carry fees. As of 6 September 2025. Verify the current rate card with Found. |
| FX fees | Currency conversion uses the mid market exchange rate with a transparent percentage fee shown before you send. This is a core strength of the product. As of 6 September 2025. | Found is built around United States dollar banking and international features are limited. Unclear at a single headline rate, so verify with Found. As of 6 September 2025. |
| Minimum deposit | No minimum balance. The only upfront cost is the one time account opening fee where it applies. As of 6 September 2025. | No minimum opening deposit and no minimum balance to open or keep the account. No credit check to open the core account. As of 6 September 2025. Verify with Found. |
| Multi currency | Hold and convert many currencies in one account and receive local account details in several currencies. As of 6 September 2025. | United States dollar only. Found does not market multi currency accounts. As of 6 September 2025. Verify with Found. |
| Integrations | Accounting integrations such as QuickBooks and Xero, batch payments and an API, with business cards available in some markets. Confirm current integrations with Wise. | Built in bookkeeping, invoicing, expense categories and tax estimates inside the app, with a debit card. Confirm current integrations and any accounting exports with Found. |
| Eligibility | Registered businesses in supported countries. A one time verification of the business and its owners is required. Availability and the ability to hold a balance vary by country. As of 6 September 2025. Verify with Wise. | United States based self employed people and sole proprietors. Some entity types, such as corporations and businesses with employees, may not be supported. As of 6 September 2025. Verify the current requirements with Found. |
| Broadly available in | Many countries across Europe, the United States, Canada, Asia and Oceania, with feature and balance availability varying by country. As of 6 September 2025. | The United States only. As of 6 September 2025. |
Use the table to weigh the differences. Wise Business and Found differ most on reach and focus, since one is a multi currency account spanning many countries and the other is a United States account for self employed people with built in tax tools, so match those to how your business works, then confirm the latest fees and eligibility with each provider.
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Both providers accept business customers in their supported markets. Fees and eligibility shown as of 6 September 2025. Confirm current terms with the provider before applying.
Visit Wise Business → Visit Found →Questions about Wise Business and Found
Which is better for my business, Wise Business or Found?
It depends on your needs. The table on this page compares Wise Business and Found on account type, fees, currency support, eligibility and availability using each provider's published terms. Wise Business is a multi currency account available in many countries, while Found is a United States account built for the self employed with tax and bookkeeping tools. Weigh those against how your business operates, then confirm current terms with each provider. This is information, not advice.
Can I use both Wise Business and Found?
Often yes, where you are eligible for both. Because Wise Business focuses on multi currency money movement and Found focuses on United States self employed banking, some people pair the two. Note that Found serves United States based self employed people, while Wise Business is available in many countries. Check eligibility with each provider before applying.
Are the fees on this page current?
Each figure is shown with the date it was recorded. Wise Business and Found figures are shown as of 6 September 2025. Fees and eligibility change, so confirm current terms with each provider before you apply.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 6 September 2025. Confirm current terms with each provider before applying.