A Better Alternative to Wise Business
Get all the benefits of Wise Business, plus unlimited virtual IBANs, enterprise-grade features, 165-country payroll coverage, and white-label capabilities.
FCA Regulated • 16 Currencies • Unlimited Virtual IBANs
Quick Comparison: financeb2b vs Wise Business
| Feature | financeb2b.co.uk | Wise Business |
|---|---|---|
| Virtual IBANs | Unlimited included | Limited (costs extra) |
| Payroll Coverage | 165 countries 60 currencies |
Limited payroll features |
| White-Label Banking | ||
| Revenue Share Program | 20% partner revenue | |
| FX Markup | 0.3-0.5% | 0.35-0.65% |
| Customer Support | Phone, email & chat | Chat & email |
| Dedicated Account Manager | Enterprise accounts | Premium tiers only |
| API Capabilities | Comprehensive | Good |
| Best For | Enterprise & Payroll | SME International Transfers |
Why Businesses Outgrow Wise Business
1. Limited Virtual IBANs
Wise Business offers limited virtual account numbers, and creating additional ones costs extra. For payroll providers, accounting firms, or agencies managing client funds, this becomes a significant limitation and expense.
financeb2b: Unlimited virtual IBANs included at no extra cost. Create hundreds or thousands for complete client segregation and automated reconciliation.
2. Not Built for Payroll Providers
Wise Business is excellent for international transfers but wasn't designed for payroll operations. It lacks features critical for payroll providers: bulk salary processing, multi-country compliance, white-label capabilities, and partner revenue sharing.
financeb2b Payroll Features:
- 165 countries coverage: Pay employees anywhere globally
- 60 currencies: Local currency salary payments
- White-label banking: Offer banking under your brand
- 20% revenue share: Earn from client banking activity
- Automated reconciliation: Match payments to payroll files automatically
3. No Partner/Reseller Programs
Wise doesn't offer revenue sharing or white-label banking for partners. If you're an accounting firm, payroll provider, or consultant wanting to offer banking services to clients, Wise provides no way to monetize referrals or brand the service as your own.
financeb2b Partner Program:
- 20% revenue share: Earn ongoing commission from client activity
- White-label capabilities: Offer banking under your brand
- Co-marketing support: Joint marketing materials and campaigns
- Dedicated partner manager: Personal support for your clients
4. Support Limitations
Wise offers chat and email support, but no phone support for most customers. Response times can be slow, especially for complex queries. Enterprise-level businesses need dedicated account managers and immediate phone support.
financeb2b Support:
- Phone support: Speak to UK-based team
- Email & live chat: Multiple support channels
- Dedicated account managers: Available for enterprise customers
- Migration assistance: Help available when switching
5. Limited Enterprise Features
As your business grows, Wise's feature set becomes limiting. Advanced features like sophisticated approval workflows, custom reporting, advanced API capabilities, and white-label banking aren't available.
Enterprise Features at financeb2b:
- Custom approval workflows: Multi-level payment approvals
- Advanced reporting: Custom financial reports and analytics
- White-label platform: Brand the service as your own
- Comprehensive APIs: Build custom integrations
- Webhooks: Real-time event notifications
What You Get with financeb2b.co.uk
Unlimited Virtual IBANs
Create unlimited virtual account numbers at no extra cost. Perfect for client segregation, automated reconciliation, and managing complex fund flows.
165-Country Payroll
Process payroll payments to 165 countries in 60 currencies. Most comprehensive global payroll coverage available, with local compliance built in.
White-Label Banking
Offer banking services under your own brand. Perfect for payroll providers, accounting firms, and consultancies wanting to expand service offerings.
20% Revenue Share
Earn 20% of revenue from clients you refer. Partner program provides ongoing passive income from client banking activity.
Competitive FX Rates
0.3-0.5% FX markup—as good as or better than Wise for most currency pairs. No weekend markups or hidden fees.
UK-Based Support
UK-based support team available by phone, email, or chat. Dedicated account managers available for enterprise accounts.
Comprehensive API
Modern REST API with webhooks for real-time event notifications. Build custom integrations, automate workflows, and embed banking in your platform.
16 Multi-Currency Accounts
Hold, send, and receive in 16 major currencies with dedicated IBANs for GBP, EUR, and USD. Cover 95% of UK business needs.
FCA Regulated
Built on Gemba's FCA-regulated infrastructure. Client funds segregated and safeguarded according to UK regulations.
Ideal For Businesses That Have Outgrown Wise
Payroll Providers
Managing client funds with unlimited virtual IBANs, processing payroll to 165 countries in 60 currencies, offering white-label banking to clients, and earning 20% revenue share on client activity.
Accounting Firms
Offering banking services to international clients, earning revenue share from referrals, providing multi-currency accounts, and maintaining complete client fund segregation.
Digital Agencies
Managing client project funds separately, paying international contractors and freelancers, offering branded banking services, and automating financial operations via API.
SaaS & Platform Businesses
Embedding banking functionality into their platform, offering white-label banking to end-users, processing mass payouts to users/sellers, and earning revenue from banking services.
How to Switch from Wise Business
Open financeb2b Account (10 minutes)
Complete our simple application online. Receive your account details immediately including dedicated IBANs and unlimited virtual account numbers.
Run Parallel (1-2 weeks)
Keep Wise active while testing financeb2b. Start with new clients or projects while maintaining existing Wise arrangements. This ensures zero business disruption.
Migrate Gradually
Progressively update payment details with clients, suppliers, and partners. Our migration team provides templates and guidance for professional communication.
Complete Transition
Once all transactions have moved to financeb2b, close your Wise account or keep it as a backup. Many businesses maintain both initially.
Dedicated Migration Support
Our team provides step-by-step guidance, account setup templates, and technical support to ensure a smooth transition.
Frequently Asked Questions
Are your FX rates as good as Wise?
Our FX rates are 0.70% for major currencies and 0.90% for minor currencies—competitive with Wise's 0.35-0.65%. For high-volume customers, we often offer better rates. Plus, no weekend markups or hidden fees. See full fee schedule.
Do you support as many currencies as Wise?
We support 16 major currencies vs Wise's 40+. However, our 16 currencies cover 95% of UK business needs. We focus on the major trading currencies with the best rates and features rather than offering numerous rarely-used currencies.
What makes you better for payroll providers?
Unlimited virtual IBANs for client fund segregation, 165-country payroll coverage in 60 currencies, white-label banking capabilities, 20% revenue share program, and dedicated payroll-specific features like automated reconciliation and bulk processing.
Can I use both accounts?
Absolutely! Many businesses maintain both Wise and financeb2b accounts—using Wise for specific currency pairs or regions and financeb2b for core operations, payroll, or client fund management. This hybrid approach leverages the strengths of both platforms.
How does white-label banking work?
Our white-label program allows you to offer banking services under your own brand. Your clients see your branding, not ours. You earn 20% of revenue they generate. Perfect for payroll providers, accounting firms, and consultancies wanting to expand services.
Ready to Move Beyond Wise Business?
Discover unlimited virtual IBANs, enterprise features, and comprehensive payroll coverage with financeb2b.
FCA Regulated • Unlimited Virtual IBANs • 165 Countries • 20% Revenue Share