Softwr

Accounting & Finance · head to head

Navan vs Wise Business

Navan logo

Navan

Accounting & Finance

AI-powered corporate travel and expense management with integrated corporate card

From
Free
Rated
-
Full reviewWebsite
Wise Business logo

Wise Business

Accounting & Finance

The smart way to send and receive business payments

From
$29/month
Rated
-
Full reviewWebsite

The short version

  • Only Navan has a free tier, so it costs nothing to try first.
  • Each has a real cost: Navan enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs; 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 Navan and Wise Business actually diverge.

Attributes where Navan and Wise Business differ
AttributeNavanWise Business
Starting priceFree$29/month
Pricing modelfreemiumusage-based
Free tierYesNo
FoundedUnknown2011

Identical on both: platforms (Web, iOS, Android, API), user rating (Not yet rated), category (Accounting & Finance).

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 Navan

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.

Navan

  • Mid-market and enterprise companies automating travel and expense workflowsnot Wise Business
  • Organisations seeking to reduce travel costs through policy enforcement and AI-driven discountsnot Wise Business
  • Teams utilising corporate card programmes for spend tracking without receipt capture overheadnot Wise Business
  • Global enterprises requiring multi-currency support and ERP integrationnot Wise Business
  • Companies where employee autonomy is prioritised; AI assistant enables self-service booking and policy compliancenot Wise Business

Wise Business

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

Where each one falls short

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

Navan

  • Enterprise pricing requires quote request; no transparency on true per-user or per-transaction costs
  • Expense management charges apply beyond 5 users, increasing per-user costs for larger teams
  • Corporate card programmes (Navan Card, Connect) complicate adoption by requiring banking integration
  • AI assistant (Navan Edge) lacks transparency on data handling; unclear whether conversation data is retained for model training
  • Limited EMEA coverage; emerging market travel inventory less comprehensive than global GDS systems

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

Navan

Free
  • Navan BusinessFree
    • Unlimited flight, hotel, train, rental car bookings
    • Global inventory across 178+ countries
    • 24/7 travel support
  • Navan Business (Expense add-on)$15/month
    • Additional expense management users (beyond 5 free)
    • Receipt scanning and categorisation
    • ERP integration (30+ connectors)
  • Navan EnterpriseFree
    • Custom pricing
    • Dedicated account management
    • Negotiated corporate rates

Wise Business

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

Which should you pick?

Choose Navan if

  • You want to start without paying.
  • You work on Web, iOS, Android, API.
Navan 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 Navan or Wise Business better?
Neither clearly leads. Navan 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, Navan or Wise Business?
Navan has a free tier; the other does not. Paid plans start at Free for Navan and $29/month for Wise Business.
Does Navan or Wise Business run on more platforms?
Navan runs on Web, iOS, Android, API. Wise Business runs on Web, Ios, Android, Api.
Can I use Navan for free?
Yes. Navan has a free tier, so you can try it without paying. Wise Business starts at $29/month.
What is Navan best used for?
Navan is most often used for mid-market and enterprise companies automating travel and expense workflows, organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts, teams utilising corporate card programmes for spend tracking without receipt capture overhead, global enterprises requiring multi-currency support and erp integration. Of those, mid-market and enterprise companies automating travel and expense workflows and organisations seeking to reduce travel costs through policy enforcement and ai-driven discounts are not what Wise Business is typically brought in for.
What can Navan do that Wise Business cannot?
Wise Business covers Multi-currency accounts, International transfers, Batch payments, API access.

Answered from the vendors’ own pages

Navan: Is Navan's travel booking free?

Yes. Navan Business travel bookings are free, supported by supplier commissions. Expense management is free for the first 5 users monthly; additional users cost £15/month each.

Source
Navan: What is Navan Edge?

Navan Edge is an AI travel assistant integrated into chat that handles flight, hotel, and restaurant enquiries, provides recommendations, processes cancellations and rebookings, and escalates to human support 24/7.

Source
Navan: Does Navan integrate with our ERP system?

Yes. Navan provides 30+ pre-built ERP connectors (SAP, Oracle, NetSuite, etc.) and REST APIs for real-time spend sync and invoice reconciliation.

Source
ShareXLinkedInRedditWhatsAppEmail

Related pages

More on Navan

More on Wise Business

Keep looking

Other head to heads