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Software · head to head

Bear vs Wise Business

Bear logo

Bear

Software

Markdown notes for Apple devices

From
On request
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: Bear built for Apple hardware only, with no Windows, Android or web client; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP

Where they differ

Only the attributes on which Bear and Wise Business actually diverge.

Attributes where Bear and Wise Business differ
AttributeBearWise Business
Starting priceOn request$29/month
Pricing modelsubscriptionusage-based
PlatformsWebWeb, Ios, Android, Api
FoundedUnknown2011

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 Bear

Nothing recorded that Wise Business does not also cover.

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.

Bear

No use cases recorded yet. See the Bear review.

Wise Business

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

Where each one falls short

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

Bear

  • Built for Apple hardware only, with no Windows, Android or web client
  • Free tier is limited to 3 themes, 1 app icon and restricted export formats; iCloud sync requires Bear Pro
  • Bear Pro is $2.99 per month or $29.99 per year after a 7 day free trial

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

Bear

On request

No published plan breakdown. See the Bear review.

Wise Business

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

Which should you pick?

Choose Bear if

Nothing in the data separates Bear from Wise Business on the points above - pick on price and on how each one feels to use.

Bear 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 Bear or Wise Business better?
Neither clearly leads. Bear starts at On request and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bear or Wise Business?
Bear starts at On request and Wise Business at $29/month.
Does Bear or Wise Business run on more platforms?
Bear runs on Web. Wise Business runs on Web, Ios, Android, Api.
What can Bear do that Wise Business cannot?
Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access.
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