Helm and Wise Business, compared.
The same checklist applied to both, using each provider's published fees. Read on 21 October 2026.
| Helm | Wise Business | |
|---|---|---|
| Account currencies with local details | USD, EUR, GBP | 9 currencies with local details; 22 to receive |
| Account fee | Agreed with your account manager | 31 USD one-time set-up fee; no monthly fee |
| Receive on local rails | Domestic transfer | Domestic transfer |
| Receive by SWIFT | Agreed with your account manager | 6.11 USD (USD); 2.16 GBP; 2.39 EUR |
| Send by SWIFT | Agreed with your account manager | Varies by currency, from 0.23% |
| Conversion | Agreed with your account manager | From 0.23%, varies by currency; volume discount above 25,000 USD |
| Digital dollars | USDC and USDT | Not offered |
| Trade finance | Supplier, receivables and working capital | Not offered |
| Named account manager | Every client | Not stated on the pricing page |
| Opening time | Days, one document list | Not stated on the pricing page |
Which one fits which business
Wise Business publishes some of the lowest conversion and receiving fees in the market and supports more currencies than Helm. Helm's differences are the parts of a trading business Wise does not cover: digital dollars, trade finance and a named account manager for every client. A business that converts large amounts between many currencies and needs nothing else will find Wise's fees hard to beat. A business that pays suppliers in USDT, finances orders and wants a person who knows its trade is the business Helm is built for.
The checklist behind the table
The items above are the ones that decide what an account costs a trading business and whether it covers the whole trade. The guide to the best business bank account for importers explains each item; the exporters' guide covers the receiving side.
Open a Helm account
USD, EUR and GBP accounts, SWIFT and digital dollar payments, trade finance and a named account manager.
Open accountQuestions
Is Helm cheaper than Wise Business?
It depends on what you do. The table above lists each provider's published fees on the same items. For a trading business the three fees that matter most are the SWIFT fee, the conversion fee and the fee to receive; compare those three against your own monthly pattern.
Can I use Helm and Wise Business together?
Yes. Many businesses hold more than one account. Helm account details in your company's name can be used alongside any other provider.
Where do these figures come from?
Helm agrees fees with each client before the account opens. Wise Business's figures are from wise.com/us/pricing/business, read on 21 October 2026. Fees change; check the provider's page before you decide.
Figures for Wise Business are taken from its published pricing page on the review date and may change. Wise Business is a trademark of its owner. This page is general information, not advice.