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1Password vs Wise Business

1Password logo

1Password

Software

The world's most-loved password manager

From
$2.99/month
Rated
-
Full reviewWebsite
Wise Business logo

Wise Business

Software

The smart way to send and receive business payments

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 1Password no free tier; all plans require paid subscription; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • They diverge on capability: 1Password covers Password generator, Wise Business covers Multi-currency accounts.

Where they differ

Only the attributes on which 1Password and Wise Business actually diverge.

Attributes where 1Password and Wise Business differ
Attribute1PasswordWise Business
Starting price$2.99/month$29/month
Pricing modelUnknownusage-based
PlatformsmacOS, Windows, iOS, Android, Linux, WebWeb, Ios, Android, Api
Founded20062011

Identical on both: free tier (No), user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in 1Password

  • Password generator
  • Autofill
  • Secure notes
  • Credit card storage
  • Document storage
  • Two-factor authentication
  • Watchtower security alerts
  • Travel mode

Only in Wise Business

  • Multi-currency accounts
  • International transfers
  • Batch payments
  • API access
  • Team management
  • Xero
  • QuickBooks
  • Various

What people use each for

The jobs each tool is most often brought in to do.

1Password

  • Password managementnot Wise Business
  • Secure document storagenot Wise Business
  • Team credential sharingnot Wise Business
  • Identity protectionnot Wise Business
  • Compliance managementnot Wise Business

Wise Business

  • Holding and converting multiple currencies as a businessnot 1Password
  • Paying international suppliers and contractors at the mid market ratenot 1Password
  • Receiving payments into local currency account details in several countriesnot 1Password

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

1Password

  • No free tier; all plans require paid subscription
  • Offline access requires prior device sync; cannot add new passwords while offline
  • Enterprise plan does not include free trial access

Wise Business

  • Opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • Volume discounts on transfers start only above 20,000 GBP equivalent sent per month

Pricing, plan by plan

1Password

$2.99/month

No published plan breakdown. See the 1Password review.

Wise Business

$29/month
  • StandardFree
    • Multi-currency account
    • Real exchange rate
    • Batch payments

Which should you pick?

Choose 1Password if

  • You need password generator.
  • You work on macOS, Windows, iOS, Android, Linux, Web.
  • You also want autofill.
1Password review

Choose Wise Business if

  • You need multi-currency accounts.
  • You work on Web, Ios, Android, Api.
  • You also want international transfers.
Wise Business review

Questions people ask

Is 1Password or Wise Business better?
Neither clearly leads. 1Password starts at $2.99/month and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, 1Password or Wise Business?
1Password starts at $2.99/month and Wise Business at $29/month.
Does 1Password or Wise Business run on more platforms?
1Password runs on macOS, Windows, iOS, Android, Linux, Web. Wise Business runs on Web, Ios, Android, Api.
What is 1Password best used for?
1Password is most often used for password management, secure document storage, team credential sharing, identity protection. Of those, password management and secure document storage are not what Wise Business is typically brought in for.
What can 1Password do that Wise Business cannot?
1Password covers Password generator, Autofill, Secure notes, Credit card storage. Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access.

Answered from the vendors’ own pages

1Password: Does 1Password offer a free tier?

No. 1Password offers no free tier as of July 2026, but provides a 14-day free trial with no credit card required for all plans except Enterprise.

Source
1Password: Can I access 1Password offline?

Yes. The desktop app allows for offline access to your vault once you have synced your passwords to the device.

Source
1Password: What is the pricing for individuals and families?

Individual plan costs 2.99 USD per month or 35.88 USD annually. Families plan costs 59.88 USD per year and includes five licenses with the ability to add more for 1 USD per month each.

Source
1Password: What platforms does 1Password support?

1Password is available on macOS, Windows, iOS, Android, Linux, with browser extensions for Chrome, Firefox, Edge, Brave, and Safari.

Source
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Related pages

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