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Accounting · head to head

IRIS KashFlow vs Wise Business

IRIS KashFlow logo

IRIS KashFlow

Accounting

Online accounting software for UK sole traders and small businesses

From
£13.5/month
Rated
-
Full reviewWebsite
Wise Business logo

Wise Business

Accounting

The smart way to send and receive business payments

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: IRIS KashFlow advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting; Wise Business opening a Wise Business account in the UK carries a one off setup fee of 50 GBP
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which IRIS KashFlow and Wise Business actually diverge.

Attributes where IRIS KashFlow and Wise Business differ
AttributeIRIS KashFlowWise Business
Starting price£13.5/month$29/month
Pricing modelsubscriptionusage-based
PlatformsWebWeb, Ios, Android, Api
FoundedUnknown2011

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

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 IRIS KashFlow

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.

IRIS KashFlow

  • business accountingnot Wise Business
  • invoicing and billingnot Wise Business
  • VAT managementnot Wise Business

Wise Business

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

Where each one falls short

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

IRIS KashFlow

  • Advertised monthly prices of £1.35 (Starter) and £2.75 (Business) are a 90% promotional discount off the standard £13.50 and £27.50 rates, and the promotion is described as lasting 6 months before reverting
  • Listed prices are in GBP plus VAT, and the platform's plans are built around UK VAT filing rather than other tax regimes
  • Annual pricing is quoted at RRP £162/year (Starter) and £291.50/year (Business) before the same promotional reduction

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

IRIS KashFlow

£13.5/month
  • Starter Monthly$13.5/month
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Monthly$27.5/month
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access
  • Starter Annual$162/year
    • 10 invoices
    • up to 25 bank transactions
    • single user access
  • Business Annual$291.5/year
    • unlimited invoices
    • unlimited bank transactions
    • multi-user access

Wise Business

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

Which should you pick?

Choose IRIS KashFlow if

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

IRIS KashFlow 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 IRIS KashFlow or Wise Business better?
Neither clearly leads. IRIS KashFlow starts at £13.5/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, IRIS KashFlow or Wise Business?
IRIS KashFlow starts at £13.5/month and Wise Business at $29/month.
Does IRIS KashFlow or Wise Business run on more platforms?
IRIS KashFlow runs on Web. Wise Business runs on Web, Ios, Android, Api.
What is IRIS KashFlow best used for?
IRIS KashFlow is most often used for business accounting, invoicing and billing, vat management. Of those, business accounting and invoicing and billing are not what Wise Business is typically brought in for.
What can IRIS KashFlow do that Wise Business cannot?
Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access.

Answered from the vendors’ own pages

IRIS KashFlow: What are IRIS KashFlow's core features across all plans?

All IRIS KashFlow plans include unlimited quotes, online VAT submission, mobile app access, 50+ reports, bank feeds, receipt capture, multi-currency support, and payroll for up to 5 employees.

Source
Wise Business: How fast are international transfers with Wise Business?

Wise Business offers fast global payments with 70% arriving in 20 seconds and 95% arriving in under 24 hours. You can also pay up to 1,000 contacts in a single batch transfer.

Source
IRIS KashFlow: Are there promotional discounts for new IRIS KashFlow customers?

Yes, new customers receive a 90% discount for 6 months on both Starter and Business monthly plans.

Source
Wise Business: Does Wise Business offer volume discounts?

Yes, volume discounts are available on monthly transfers over 20,000 GBP or equivalent.

Source
IRIS KashFlow: Can multiple users access IRIS KashFlow on the Starter plan?

No, the Starter plan is limited to single-user access only. Multi-user access requires the Business plan.

Source
Wise Business: How does Wise Business keep funds secure?

Wise customers move over AED60 billion monthly with systems built to keep funds safe. The company runs over 7 million daily fraud checks (80 per second), keeps funds diversified with secure financial institutions, and offers 24/7 customer support.

Source
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