Step-By-Step Guide: New Verified Wise Accounts for Businesses (2025-2026) Unlock Success Fast

Are you ready to take your business finances to the next level? Setting up a new verified Wise account can simplify how you send and receive money worldwide.

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But the process can feel overwhelming if you’re not sure where to start. This step-by-step guide will walk you through everything you need to know to open and verify your Wise business account for 2025-2026. By the end, you’ll have a clear, easy-to-follow plan to get your account up and running quickly—so you can focus on growing your business without worrying about payment hassles.

Keep reading, and discover how simple managing your international payments can be.

Setting Up A Business Account

Setting up a business account with Wise in 2025-2026 is simple and fast. Wise offers verified business accounts that help companies send and receive money globally with low fees and clear exchange rates. This guide breaks down the process into easy steps. Follow along to create your verified Wise business account without stress.

Creating Your Wise Business Profile

Start by visiting the Wise website and selecting the option to create a business account. You will need to enter your business email and create a strong password.

• Use an active email linked to your business.

• Choose a password with at least 8 characters, mixing letters and numbers.

• Confirm your email through the verification link sent by Wise.

Entering Business Details

Provide accurate business information to get verified quickly.

1. Business name as registered.

2. Business address including country and postal code.

3. Type of business entity (e.g., LLC, corporation, sole proprietorship).

4. Industry sector and business activity.

Tip: Double-check your details to avoid delays in verification.

Submitting Verification Documents

Wise requires documents to confirm your business identity. Upload clear copies of these documents:

Setting Up Payment Methods

Connect your business bank account or credit card to start sending and receiving funds.

• Add your local bank account details for easy transfers.

• Link credit/debit cards for quick payments.

• Verify the linked accounts by confirming small test deposits from Wise.

Configuring Account Preferences

Personalize your business account settings to suit your needs.

• Choose your preferred currency for transactions.

• Set up notifications via email or SMS for account activity.

• Manage user access by adding team members with different permission levels.

Choosing The Right Account Type

Choosing the right account type is an important first step when setting up a new verified Wise account for your business. The right account helps manage money smoothly and saves time on transactions. Wise offers different account types designed to meet various business needs. Understanding these options makes it easier to pick the best fit for your company.

What Business Account Types Does Wise Offer?

Wise provides mainly two business account types:

• Multi-currency Account – For businesses dealing with multiple currencies.

• Single-currency Account – For businesses operating in one currency only.

Choosing between these depends on your business operations and payment needs.

Differences Between Multi-currency And Single-currency Accounts

Factors To Consider When Choosing Your Account Type

1. Business Location: Choose a single-currency account if you operate locally.

2. Client Base: Multi-currency suits businesses with international customers.

3. Currency Needs: Check which currencies your business frequently uses.

4. Transaction Volume: Higher cross-border payments benefit from multi-currency accounts.

5. Cost Efficiency: Multi-currency accounts reduce conversion fees over time.

How To Switch Account Types Later

Wise allows account upgrades. Start with a single-currency account and upgrade if needed.

Follow these steps to switch:

• Log in to your Wise business dashboard.

• Go to Account Settings.

• Select Upgrade Account.

• Choose the multi-currency option and submit verification documents.

• Wait for confirmation from Wise support.

The process usually takes a few business days.

Required Business Documents

Starting a new verified Wise account for your business in 2025-2026 requires submitting certain business documents. These documents prove your business is real and helps Wise keep accounts safe. Preparing the right papers speeds up the verification process.

Company Registration Certificate

This certificate shows your business is officially registered. It usually comes from the government or a local business office. Wise needs this to confirm your business name and legal status.

Proof Of Business Address

Wise asks for a document that shows your business address. It can be a utility bill, lease agreement, or bank statement. The document must be recent, usually within the last three months.

Identification Documents Of Business Owners

Every owner or director must provide ID. This can be a passport or government-issued ID card. The ID must be clear and valid, not expired.

Tax Identification Number (tin) Or Vat Certificate

Wise needs your tax ID or VAT certificate. This helps verify your business for tax purposes. It also confirms your business operates legally in your country.

Business Bank Account Details

Provide details of your business bank account. This includes the account number and bank name. Wise uses this to link your Wise account to your business finances.

Additional Documents For Specific Business Types

Some businesses need extra papers. For example:

• Non-profits: Proof of charity status

• Financial services: Licenses or permits

• Online stores: Website and sales proof

Check your business type for any extra requirements.

Creating Your Wise Profile

Creating your Wise profile is the first step to managing your business finances smoothly. A clear and complete profile helps Wise verify your business quickly. This step-by-step guide shows how to set up your Wise profile correctly for 2025-2026.

Creating An Account On Wise

Start by visiting the Wise website or downloading the app. Click on “Sign up” and choose “Business account”. Enter your email address and create a strong password. Confirm your email address through the link sent to your inbox.

Filling Out Business Details

Provide accurate information about your business. This includes:

• Business name

• Business type (e.g., sole proprietorship, partnership, corporation)

• Business registration number

• Business address

• Contact details

Double-check all details before moving forward. Mistakes can delay verification.

Uploading Required Documents

Prepare digital copies of your documents. Wise needs them to verify your business identity and address. Common documents include:

Upload clear and readable files to avoid delays.

Setting Up Payment Preferences

Choose your preferred currency and payment methods. Wise allows you to add multiple currencies for easier international transactions. Set your default currency and link your business bank account.

Reviewing And Submitting Your Profile

Review all entered data carefully. Use this checklist:

1. Correct business name and type

2. Accurate contact details

3. Uploaded all required documents

4. Selected the right payment preferences

Once confident, submit your profile for verification. Wise usually takes a few days to approve new business accounts.

Verifying Business Identity

Verifying your business identity is a crucial step in setting up a new verified Wise account for businesses in 2025-2026. This process confirms your company’s legitimacy and helps protect your account from fraud. Wise requires clear and accurate documents to complete this step smoothly.

What Documents Are Needed For Verification?

Wise asks for specific documents to verify your business identity. Prepare these to avoid delays:

• Business registration certificate or incorporation documents

• Tax identification number or VAT registration

• Proof of business address like utility bills or lease agreements

• Photo ID of the business owner or authorized representative

How To Upload Verification Documents

Uploading your documents correctly is key. Follow these steps:

1. Log in to your Wise business account.

2. Go to the Verification section in your dashboard.

3. Select Upload Documents.

4. Choose the files from your device. Use clear and readable scans or photos.

5. Click Submit and wait for confirmation.

Common Verification Issues And Fixes

Tips For Faster Verification Approval

• Double-check all document details before uploading.

• Use high-quality images or scans.

• Submit documents in the requested formats (PDF, JPEG, PNG).

• Keep your business info consistent across all documents.

• Respond quickly to any requests from Wise support.

Adding Business Details

Adding your business details is a key step in creating a new verified Wise account. This process helps Wise understand your company and keeps your account secure. Providing accurate information speeds up verification and avoids delays.

Enter Your Business Name and Type

Start by typing your official business name exactly as registered. Next, select your business type from the drop-down menu. Common options include:

• Limited Company

• Partnership

• Sole Trader

• Non-profit Organization

Choosing the correct type ensures proper account setup and compliance.

Provide Business Registration Number

Locate your business registration or tax ID number. This number must match government records. Wise uses it to confirm your company's legal status.

Fill In Business Address

Type your full business address. Include street, city, postal code, and country. Use the official registered address, not a P.O. box. This helps Wise verify your location.

Upload Proof Of Business Documents

Upload scanned copies of your business documents. Common documents include:

• Certificate of Incorporation

• Business License

• Tax Registration Certificate

Make sure documents are clear and valid. This step confirms your business identity quickly.

Linking Bank Accounts

Linking bank accounts is an important step when setting up a new verified Wise account for your business. It allows you to send and receive money smoothly. Connecting your bank account ensures that your transactions are fast and secure. This part of the process is simple but needs careful attention.

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How To Add A Bank Account To Wise

Follow these steps to link your bank account with Wise:

1. Log in to your Wise business account.

2. Go to the “Bank Accounts” section in the menu.

3. Click on “Add a bank account.”

4. Choose your country and bank type.

5. Enter your bank details, such as account number and routing number.

6. Verify the information and submit.

Types Of Bank Accounts Supported

Wise accepts different types of business bank accounts. These include:

• Checking accounts for daily transactions.

• Savings accounts for holding funds.

• Business accounts from major banks worldwide.

Make sure your bank account is active and able to receive international payments.

Verification Process For Bank Accounts

Wise verifies linked bank accounts to protect your business. The process includes:

• Sending a small test deposit to your account.

• Asking you to confirm the deposit amount in your Wise account.

• Checking your bank details against the submitted information.

Verification usually takes 1-3 business days. Completing this step unlocks full use of your Wise account.

Common Issues And Troubleshooting

Problems can happen while linking bank accounts. Here are common issues:

Setting Up Multi-currency Wallets

Setting up multi-currency wallets in your new Wise business account helps you manage money across different countries easily. It allows your business to hold, send, and receive money in many currencies without extra fees. This feature saves time and reduces the cost of currency exchange.

Creating Your Multi-currency Wallet

Start by logging into your Wise business account dashboard. Look for the option to add a new currency wallet. Wise supports over 50 currencies, so select the ones your business needs.

1. Click on “Add a Currency” or “Open a New Balance.”

2. Choose the currency from the list.

3. Confirm by clicking “Add.”

Each wallet works like a separate bank account. You can receive payments directly into these wallets using local bank details Wise provides.

Managing Balances In Different Currencies

After creating wallets, keep track of your currency balances regularly. Wise shows the current balance and recent transactions for each wallet.

• Check exchange rates before converting money.

• Transfer funds between wallets at low Wise rates.

• Hold funds in the currency you expect to use soon.

This control helps avoid unnecessary exchange fees and saves money.

Sending And Receiving Money With Multi-currency Wallets

Use your multi-currency wallets to send money abroad or receive payments from global clients. Wise offers local bank details in several countries to receive money like a local.

Sending money is simple. Choose the currency wallet, enter recipient details, and confirm the amount. Wise shows the real exchange rate and fees before you send.

Understanding Wise Fees

Understanding Wise fees is important for every business using a verified Wise account. Wise offers low-cost international payments and transfers. Knowing the fee structure helps businesses plan their finances clearly. This guide breaks down the key fees you should expect in 2025-2026.

How Wise Charges for Transfers

Wise charges fees mainly based on the amount sent and the currencies involved. There are two main parts to the fee:

• Fixed fee: A small set fee per transfer, usually under $1.

• Variable fee: A percentage of the transfer amount, depending on the currency pair.

For example, sending USD to EUR usually costs about 0.4% to 1% of the amount.

Currency Conversion Costs

Wise uses real exchange rates with a small mark-up. This mark-up is included in the variable fee.

Businesses get transparent rates without hidden charges. Wise updates rates regularly throughout the day.

Account and Monthly Fees

Creating and maintaining a verified Wise business account is free. No monthly or annual fees apply.

Charges only occur when sending money or converting currencies. This makes Wise cost-effective for active businesses.

Other Possible Fees

• Bank payment fees: Some bank transfers to fund your Wise account may have fees from your bank.

• Refund fees: Small fees may apply if you cancel a transfer after processing.

• Card top-up fees: Adding money with a credit or debit card may incur extra charges.

Wise Fees at a Glance

Enabling Two-factor Authentication

Enabling Two-Factor Authentication (2FA) is a key step to protect your new verified Wise business account. It adds an extra layer of security beyond just a password. This helps keep your account safe from hackers and unauthorized access.

What Is Two-factor Authentication?

Two-Factor Authentication means you must provide two types of information to log in:

• Something you know – like your password.

• Something you have – like a code from your phone.

This makes it harder for someone to access your account without permission.

How To Enable Two-factor Authentication On Wise

1. Log in to your verified Wise business account.

2. Go to the Security Settings section.

3. Find the option for Two-Factor Authentication.

4. Choose your preferred 2FA method:

• Authentication app (Google Authenticator, Authy)

• SMS code to your phone

Follow the instructions to link your device or phone number.

Enter the code sent to your device to confirm setup.

Best Practices For Using Two-factor Authentication

Troubleshooting Two-factor Authentication Issues

• Code not working? Check your device’s time settings.

• Lost phone? Use backup codes to log in.

• No SMS received? Confirm your phone number is correct.

• Still stuck? Contact Wise support for help.

Configuring Payment Methods

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Configuring payment methods is a key step in setting up a new Verified Wise account for businesses. This process allows your company to send and receive money smoothly and securely. Proper setup saves time and avoids payment delays. The next sections break down how to add, verify, and manage payment options in your Wise business account.

Adding Payment Methods To Your Wise Business Account

Start by logging into your Wise business dashboard. Follow these simple steps to add payment methods:

1. Go to the “Settings” menu.

2. Select “Payment methods” from the options.

3. Click on “Add a payment method”.

4. Choose between bank account, credit/debit card, or other payment options.

5. Enter the required details, such as account number or card information.

6. Confirm and save your new payment method.

Wise supports multiple payment types. This flexibility helps your business handle different transactions easily.

Verifying Payment Methods

Verification ensures your payment methods are secure and ready for use. Wise uses different verification steps depending on the method:

• Bank accounts: Wise makes two small deposits to your account. Check your bank statement, then enter the exact amounts on Wise.

• Credit/debit cards: A small temporary charge will appear. Confirm the charge amount in your Wise account.

Verification usually takes 1-2 business days. Complete this step quickly to avoid delays in payments.

Managing And Removing Payment Methods

Keeping your payment methods up to date is important. You can easily manage them:

• Access the “Payment methods” section in your settings.

• Edit details for existing methods if needed.

• Remove old or unused payment methods by clicking “Remove”.

Regularly review your payment options to keep your account secure and efficient.

Tips For Smooth Payment Configuration

• Use business bank accounts to avoid personal and business fund mixing.

• Double-check all entered details to prevent errors.

• Keep your Wise app updated for the latest features and security.

• Set a primary payment method for faster transactions.