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Bitwarden vs Wise Business

Bitwarden logo

Bitwarden

Software

Open source password management for everyone

From
Free
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

  • Only Bitwarden has a free tier, so it costs nothing to try first.
  • Each has a real cost: Bitwarden the integrated TOTP authenticator, encrypted file attachments, vault health reports and Emergency Access are all withheld from the free plan and need Premium at $1.65 per month; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • They diverge on capability: Bitwarden covers Unlimited password storage, Wise Business covers Multi-currency accounts.

Where they differ

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

Attributes where Bitwarden and Wise Business differ
AttributeBitwardenWise Business
Starting priceFree$29/month
Pricing modelsubscriptionusage-based
Free tierYesNo
PlatformsWindows, Macos, Linux, Ios, Android, Web, CliWeb, Ios, Android, Api
Founded20162011

Identical on both: 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 Bitwarden

  • Unlimited password storage
  • Cross-platform sync
  • Secure password sharing
  • Password generator
  • Two-factor authentication
  • Encrypted file attachments
  • Vault health reports
  • Emergency access

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.

Bitwarden

  • Personal password managementnot Wise Business
  • Team credential sharingnot Wise Business
  • Enterprise securitynot Wise Business
  • Compliance requirementsnot Wise Business
  • Developer secrets managementnot Wise Business

Wise Business

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

Where each one falls short

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

Bitwarden

  • The integrated TOTP authenticator, encrypted file attachments, vault health reports and Emergency Access are all withheld from the free plan and need Premium at $1.65 per month
  • Free accounts can share vault items with one other Bitwarden user and no more
  • File storage is capped at 5 GB on Premium and 5 GB personal plus 5 GB family on the Families plan
  • Two-step login accepts up to 10 hardware security keys per account
  • The Families plan is capped at 6 people, so a seventh member means moving to a Teams subscription at $4 per user per month

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

Bitwarden

Free
  • FreeFree
    • Unlimited passwords
    • 2 users (organizations)
    • Sync all devices
  • Teams$3/month
    • Everything in Free
    • Unlimited users
    • Shared collections
  • Enterprise$6/month
    • Everything in Teams
    • SSO integration
    • Enterprise policies

Wise Business

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

Which should you pick?

Choose Bitwarden if

  • You need unlimited password storage.
  • You want to start without paying.
  • You work on Windows, Macos, Linux, Ios, Android, Web, Cli.
  • You also want cross-platform sync.
Bitwarden 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 Bitwarden or Wise Business better?
Neither clearly leads. Bitwarden starts at Free and Wise Business at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bitwarden or Wise Business?
Bitwarden has a free tier; the other does not. Paid plans start at Free for Bitwarden and $29/month for Wise Business.
Does Bitwarden or Wise Business run on more platforms?
Bitwarden runs on Windows, Macos, Linux, Ios, Android, Web, Cli. Wise Business runs on Web, Ios, Android, Api.
Can I use Bitwarden for free?
Yes. Bitwarden has a free tier, so you can try it without paying. Wise Business starts at $29/month.
What is Bitwarden best used for?
Bitwarden is most often used for personal password management, team credential sharing, enterprise security, compliance requirements. Of those, personal password management and team credential sharing are not what Wise Business is typically brought in for.
What can Bitwarden do that Wise Business cannot?
Bitwarden covers Unlimited password storage, Cross-platform sync, Secure password sharing, Password generator. Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access.
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