- Free invoice generator: Build an invoice in the browser and download a PDF without creating an account, with no cap on how many you make.
- Invoice templates: Start from Wise’s templates and add your business details, logo, line items, tax and payment terms.
- Currency choice: Bill in the currency you want to be paid in. A Wise Business account holds balances in 55+ currencies and offers local account details in 22.
- Getting paid across borders: Clients pay into local account details rather than sending an international wire, which is what keeps the receiving fee down.
- Mid-market exchange rate: Conversions use the rate you would see on a currency site, with the fee shown separately instead of built into the rate.
- Recurring invoices: The generator covers repeat billing, so the same invoice does not have to be rebuilt each cycle.
- Paying invoices you receive: Wise Business also handles outgoing bills in 70+ countries, and BatchTransfer sends up to 1,000 payments from one spreadsheet upload.
- Accounting connections: Wise Business connects to accounting software so invoice and transfer records do not have to be rekeyed.
Wise invoice
Create, send, and manage business invoices efficiently.
Updated July 29, 2026
Wise invoice Overview
Wise Invoice is a business invoicing software designed to simplify financial management for companies of all sizes. It allows users to create professional invoices, track payments, and manage client information in one place.
Wise Invoice supports customizable templates, automated reminders, and secure online payments, which help businesses save time and reduce errors. With its user-friendly interface, Wise Invoice streamlines billing processes and improves overall cash flow management.
Key Features
Pricing
| Feature / Plan | Price | Key inclusions |
|---|---|---|
| Invoice generator | Free | No signup needed. Create unlimited invoices and download PDFs. |
| Account registration | Free | No cost to sign up for a Wise Business account. |
| Getting account details (to receive in 22 currencies) | 31 USD one-time fee | Unlocks local account details so clients can pay you like a domestic transfer. |
| Receiving domestic (non-Swift) payments | Free | AUD, CAD, EUR, GBP, HUF, NZD, PHP, SGD, USD |
| Receiving USD wire and Swift payments | 6.11 USD per payment | Fixed fee |
| Receiving GBP Swift payments | 2.16 GBP per payment | Fixed fee |
| Receiving EUR Swift payments | 2.39 EUR per payment | Fixed fee |
| Sending and converting money | Varies by currency — from 0.57% | Fee shown upfront, no markup on the mid-market rate |
| Holding money in your account | Free | Hold balances in 55+ currencies |
| Card spending and ATM | Free in the same currency | ATM withdrawals free up to 250 USD a month, then 1.95 USD plus 1.95% per withdrawal |
Fees vary by country. The figures above are from the United States price list; the UK page quotes the same set-up as 50 GBP and sending from 0.33%. Businesses converting more than 25,000 USD a month get a volume discount.
Pricing source: https://wise.com/us/pricing/business
Pros
| Competitor | Pros of Wise Invoice |
|---|---|
| Melio | Wise lets you create invoices for free and receive international payments at the mid-market rate. You can hold funds in multiple currencies and connect QuickBooks or Xero, which keeps the accounting side tidy. |
| Airwallex / Corpay Cross-Border | Sending and converting start at 0.57% on the US price list, with no monthly plan for invoicing. Fees are shown before you confirm rather than folded into the exchange rate. |
| Invoice2go | The Wise invoice generator needs no signup and has no cap on invoices, while Invoice2go charges monthly depending on volume. Currency conversion and the receiving account sit in the same place. |
| Wave | Wave’s invoicing is free but tied to certain regions. Wise works wherever the client is, which is the whole point when the invoice crosses a border. |
| Invoicera / Zoho Invoice | Wise brings international reach that invoicing-first tools do not: local receiving details, mid-market conversion and a business account behind the invoice. |
Cons
| Competitor | Cons of Wise Invoice |
|---|---|
| Melio | Wise does not support bill management features like splitting, scheduling, and recurring payments as Melio does. |
| Airwallex / Corpay Cross-Border | Wise doesn’t offer full enterprise-level API access or robust business tools like expense management and spend controls. |
| Invoice2go | Unlike Invoice2go, Wise doesn’t provide a mobile-first app with features like time tracking, expense tracking, appointment scheduling, or customer-facing mini-website setup. |
| Wave | Wise lacks the full accounting suite that Wave offers, such as double-entry accounting, bank feed imports, receipt scanning, and payroll in supported regions. |
| Invoicera / Zoho Invoice | Invoicing is a small part of a payments platform, so the deeper billing automation is missing: no customer portal, late-fee scheduling, inventory tracking or wide template library. Getting paid into local account details also costs 31 USD upfront, which invoicing-first tools do not charge. |
Reviews
- Trustpilot Review (Rating: 4.3/5 from 295,533 reviews): The reviews cover Wise as a whole rather than the invoicing tool, and the split is wide: 80% five-star against 9% one-star, with 31,424 reviews posted in the past year. Wise replies to 79% of negative reviews and usually within 48 hours. The praise centres on speed and fees shown upfront; the complaints centre on transfers that stall and on support that cannot say why.
- Capterra Review (Rating: 3.8/5 from 86 reviews): A five-star reviewer based in France with clients in the UK and US called Wise “the best bank I have found to get paid quicky and with the best conversion rates,” adding that money reaches their French bank account instantly and everything can be done from the app. A three-star reviewer living abroad liked being able to move money in pesos but found the conversion rate high and said transfers billed as instant sometimes took hours or days.
- G2 Review (Rating: 3.9/5 from 96 reviews): Reviewers of Wise Business point to fast, reliable transfers and a fee structure that makes multi-currency work easier to predict. The profile is unclaimed, so the vendor is not responding to reviews there.
- whop.com Review: The writer described a mix of “strong fundamentals and frustrating setup friction,” praising upfront fees, mid-market exchange rates and fast transfers once verified. The friction was in onboarding: repeated verification, and having to preload funds before receiving features unlock. Another freelancer in the same piece reported a smooth setup and recommended it for international clients.
- Reddit r/digitalnomad: One commenter wrote that Wise support “can be very unhelpful. It seems to be a different person every time.” Another explained how payments can enter the Swift network and not leave, needing a Swift transcript and manual contact with the intermediary bank, which “takes over a month.” Plenty of the thread disagreed: one regular user said they have had no problems, keep multiple currencies in the account and use the card everywhere.
