Accounting · head to head
Navan vs Wise Business
Navan
Accounting
AI-powered corporate travel and expense management with integrated corporate card
- From
- Free
- Rated
- -
Wise Business
Accounting
The smart way to send and receive business payments
- From
- $29/month
- Rated
- -
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
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Navan and Wise Business actually diverge.
| Attribute | Navan | Wise Business |
|---|---|---|
| Starting price | Free | $29/month |
| Pricing model | freemium | usage-based |
| Free tier | Yes | No |
| Founded | Unknown | 2011 |
Identical on both: platforms (Web, iOS, Android, API), 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 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 Wise Business if
- You need multi-currency accounts.
- You work on Web, Ios, Android, Api.
- You also want international transfers.
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.
SourceWise 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.
SourceNavan: 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.
SourceWise Business: Does Wise Business offer volume discounts?
Yes, volume discounts are available on monthly transfers over 20,000 GBP or equivalent.
SourceNavan: 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.
SourceWise 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.
SourceRelated pages
More on Wise Business
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