The 7 best Wise alternatives for businesses in the Netherlands (2026)

Key takeaways

• Wise is a low-cost international transfer platform offering simple, transparent currency conversions and multi-currency accounts.

• It’s popular with freelancers and micro-businesses, although some Dutch businesses outgrow its capabilities as they scale.

• Airwallex offers a more comprehensive global financial infrastructure than Wise, combining payments, multi-currency accounts, cards, and advanced controls.

Many Dutch businesses start with platforms like Wise because they're simple, transparent, and cost-effective for straightforward transfers. But, as operations grow more complex, you start hitting the edges of what these platforms were designed to handle.

This guide explores the top Wise alternatives in 2026, breaking down their features and costs to help you pick the right one for your operations.

7 best Wise alternatives for businesses in the Netherlands in 2026

To help you choose the right setup for your business, we’ve compiled a list of our top Wise alternative picks and their key features below.

• Airwallex is a comprehensive alternative that combines payment processing with treasury management. Built specifically for scaling international businesses, we offer the full financial infrastructure that companies need as they expand.

• OFX appeals to businesses making regular high-value transfers. It combines competitive rates with forward contracts and hedging tools that let you manage FX risk alongside standard money movement.

• Payoneer functions as a payments ecosystem for businesses collecting money from multiple sources globally. Built around marketplace integrations with platforms like Amazon and eBay, it consolidates payments from clients, contractors, and sales channels into one account.

• PayPal Business focuses on seamless payment processing and eCommerce integration for companies already operating in its system. With familiar checkout experiences and extensive plugin compatibility, it’s ideal for businesses that value simplicity.

• Remitly for Business was originally built for people sending money to family overseas. Today, it brings that expertise to simple business transfers, optimising routes and leveraging local banking partnerships in emerging markets.

• Revolut Business combines international payments with modern business banking features in an app-first platform. It’s popular among freelancers and small teams managing global expenses.

• Worldfirst specialises in eCommerce marketplace collections, letting online sellers consolidate revenue from platforms like Amazon and AliExpress while managing supplier payments. 

Why Airwallex is the best Wise alternative for Dutch businesses

Most Dutch companies hit the same wall with Wise. It works brilliantly for straightforward transfers, but once you need to manage subscriptions, ad spend, and set up local payment methods around the world, you end up running your finances across multiple platforms. Your team wastes hours moving data around instead of focusing on growth.

Airwallex was built to solve this problem with a full-featured account that gives you everything you need to power and simplify your financial operations. Think advanced expense management with automated approval workflows, customisable online payments, treasury management tools, and multiple eCommerce and accounting software integrations.

Our platform reaches 150+ countries, offers a multi-currency account that allows you to hold 23 currencies, and incurs zero international fees to 110+ markets via local payment rails. Compared to Wise’s nine holding currencies and 70 country global payout coverage, Airwallex is hard to beat.

We’re popular with over 150,000 businesses around the world because we provide enterprise-grade financial infrastructure without enterprise complexity.

Comparing the best Wise alternatives side by side

* €0/month if you deposit at least €10k per month or hold a minimum balance of £10k. For more information, see here.

Why Dutch businesses are looking for Wise alternatives in 2026

The Netherlands has become a European gateway for international business. Dutch companies aren't just going global after years of domestic growth; they're managing multi-entity structures, currency exposure, and distributed teams much earlier in their lifecycle, while still serving local customers who prefer payment methods like iDEAL.

This creates operational demands that basic transfer platforms can't handle efficiently: finance teams spend hours on manual processes that should be automated, currency swings and forced conversions hit margins with no available protection tools, and when issues arise, slow email support creates delays that disrupt supplier relationships.

Dutch businesses at this stage are looking for payment platforms with more advanced features that match their operational sophistication – FX risk management, multi-entity reporting, integrated spend controls, and dedicated account managers. 

If you’re getting ready for international growth, read our Dutch business guide to going global. 

Key features to look for in a Wise alternative

If you need more than basic transfers, the following capabilities can be the difference between smooth operations and daily friction.

Multi-currency support

How many currencies can you accept and hold? Some platforms offer 40+ currencies with local account details, while others limit you to a handful. Check what you can receive locally versus what requires international transfers, and consider where your suppliers/customers are.

Payment processing

Wise lets you receive bank transfers and card payments, but if you need to create online checkout pages, send payment links to customers, or accept card payments directly through your website, you’ll need additional tools. Some alternatives offer integrated payment processing alongside money management. 

For more, check out our guide to the best payment gateways for Dutch businesses in 2026.

Business tools integration

Check if your accounting platform and other business integrations are available so you can eliminate the manual data entry and reconciliation work that eats up finance team time.

Compliance and security

Look for a provider that’s PCI DSS certified and has strong Customer Authentication (SCA) compliance with adjustable risk settings. Data residency within the EU also matters – it keeps you compliant with GDPR requirements.

Customer support 

Email tickets with a two-day turnaround work fine until you have a large urgent payment stuck in verification, while suppliers wait. Dedicated account managers and Dutch phone support are best when international payments are business critical.

How to choose the right Wise alternative for your business

You shouldn’t just be comparing transfer fees. It pays to find the right infrastructure now that’ll match your ambition for years to come.

Consider your business size and transaction volume

As volumes rise, so do the demands on your financial stack.

• Freelancers and micro businesses often find basic transfer platforms enough.

• SMEs and scaling teams may benefit from multiple seats, spend management, better pricing tiers, and more advanced reporting.

• Enterprise operations often need APIs, automation tools, and dedicated account managers.

Assess your operational complexity

This is where many businesses realise they’ve outgrown a platform like Wise.

• Are you managing multiple subsidiaries across countries? Look for consolidated reporting and multi-entity spend controls. 

• Do you have regular supplier payments or recurring invoices? Platforms with bill pay, PO matching, and automotive approvals will streamline month-end.

• Are your team travelling? A provider with multi-currency cards can reduce costs and admin time.

If you're only sending supplier payments, transfer-focused platforms work fine. But, if you need to collect customer payments, manage marketplace revenue, or handle multi-currency card spending, customisable integrated processing capabilities may be a better fit.

Consider geography

Some platforms excel in specific corridors while others offer truly global coverage. If you're collecting payments from European customers or paying suppliers in Asia, prioritise a platform with strong local payment networks and competitive rates in those specific markets.

Demand cost transparency

Hidden fees kill margins. Look for platforms with clear, upfront pricing structures, and that show:

• The interbank rate

• Any additional markup

• The final amount your counterparty receives.

Some platforms deliberately stay simple while others scale with complexity. If you're expanding internationally or building distributed teams, choose infrastructure you won't outgrow in 18 months. Migrating financial platforms is expensive and disruptive.

FAQs

Why would a Dutch business need a Wise alternative?

Dutch companies managing multi-entity structures, multiple currencies and regions, or distributed teams often need capabilities Wise doesn’t offer, such as consolidated reporting, entity-level controls, deeper integrations with ERP systems, and broader global coverage. They’re looking for operational efficiency and the ability to scale financial infrastructure without switching tools every 12 months.

What should I look for in a Wise alternative?

It depends on how your business is set up. Most finance teams prioritise transparent FX pricing, the ability to hold and receive multiple currencies, strong local payment networks, integration with your accounting tools, and the ability to manage transfers, cards and expenses in one place.

Which Wise alternatives offer better FX rates?

Traditional banks usually apply the highest markups, followed by general-purpose transfer services. Modern fintech platforms like Airwallex or Wise provide near–interbank rates with a clear, upfront margin, which can significantly reduce total FX costs if you have regular cross-border payments.

Is it easy to switch from Wise to another platform?

Yes. Most alternatives allow you to set up multi-currency accounts, migrate beneficiaries, and connect your accounting systems without much downtime. You may need to complete verification and KYC checks, but with modern platforms, this process should be streamlined. 

Sources and references

1. https://www.ofx.com/en-au/business/multi-currency-account/

2. https://www.payoneer.com/multi-currency-account/

3. https://www.payoneer.com/manage-currencies/

4. https://www.payoneer.com/about/pricing/

5. https://www.payoneer.com/customer-disclosures-and-complaints/

6. https://www.paypal.com/nl/business/accept-payments

7. https://www.paypal.com/nl/business/paypal-business-fees

8. https://www.remitly.com/nl/en

9. https://www.revolut.com/en-NL/business/multi-currency-accounts/

10. https://www.revolut.com/en-NL/business/business-account-plans/

11. https://www.revolut.com/en-NL/business/integrations/

12. https://www.worldfirst.com/eu/pricing/