Centtrip vs Wise Business
For spending abroad FX markup matters, and Wise Business does better (0% vs 2%). In short: Centtrip if your usage matches its strength, Wise Business otherwise — the numbers above beat any slogan.
| Centtrip | Wise Business | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.4 | ★ 4.4 |
| Estimated net annual cost | €0 | €0 |
| Account fee | Free | Free |
| IBAN | dedicato · GB, EEA | dedicato · BE, GB, US, AU, NZ, SG, HU, RO, TR |
| Multi-currency | Yes · 15 currencies | Yes · 40 currencies |
| Outbound transfers to third-party IBANs | No | Yes |
| Utility direct billing | No | No |
| SEPA direct debit (SDD) | No | No |
| On-chain crypto withdrawal | No | No |
| Interest on balance | 0% | 1.8% |
| ATM withdrawal | not declared | not declared |
| Fund custody | Custodial (platform holds funds) | Custodial (platform holds funds) |
| KYC | Full | Full |
| Supported countries | EEA, UK, US, APAC · 100+ countries | EEA, UK, US, APAC, LATAM · 160+ countries |
| Regulator | FCA | FCA |
| OAM Italy registration | No | — |
| Segment | B2B | B2B |
| SEPA transfer | — | €8 |
| Regions | EU/EEA, UK, US, APAC | EU/EEA, UK, US, APAC, LATAM |
| Licences & safety | EMI | EMI multi-paese |
Frequently asked questions
Centtrip vs Wise Business: which is better?
For spending abroad FX markup matters, and Wise Business does better (0% vs 2%). In short: Centtrip if your usage matches its strength, Wise Business otherwise — the numbers above beat any slogan.
Which is cheaper, Centtrip or Wise Business?
On the standard spending profile Centtrip has the lowest net annual cost: €0 versus €0 for Wise Business.
Is Centtrip custodial or self-custody?
Centtrip is custodial: funds are held by the platform, while Wise Business is custodial.
Which is better for spending abroad?
For foreign-currency spending Wise Business wins, with the lowest FX markup: 0%.