PlaytoWise Business alternative · the United Kingdom · 2026
Wise Business alternative in the United Kingdom: keep $9,995 of $10,000
On a $10,000 bank transfer payment from a client in the United States to a business in the United Kingdom, Wise Business takes at least $24.00 in fees. Some of its fees are not published. Playto takes $5.00 and adds zero markup, so you keep $9,995.00. The table below also shows Stripe, PayPal, Xero and Square.
No monthly fees. No setup fees. Lowest price guarantee.
Fees on $10,000 by bank transfer
- Wise BusinessYou receive $9,976.00 at most≥ $24.00
- PlaytoYou receive $9,995.00$5.00
The numbers
What lands in your bank
Example payments from a client in the United States to a business in the United Kingdom. All fees included. Taxes not included.
- Difference on $10,000
- ≥ $19.00
- By bank transfer, what reaches you with Playto compared with Wise Business (not all its fees are published, so at least this).
- Wise Business all in
- ≥ $24.00
- Of a $10,000 bank transfer payment.
- Playto all in
- $5.00
- On a $10,000 bank transfer.
- Ways to pay
- 30+
- From 170+ countries.
| Provider | $1,000 | $5,000 | $10,000 |
|---|---|---|---|
| Playto | $995.00 | $4,995.00 | $9,995.00 |
| Wise Business1 | ≤ $997.60 | ≤ $4,988.00 | ≤ $9,976.00 |
| Stripe | Not listed | Not listed | Not listed |
| PayPal | Not listed | Not listed | Not listed |
| Xero | Not listed | Not listed | Not listed |
| Square | Not listed | Not listed | Not listed |
- 1.Wise Business: Receiving USD from a US client by ACH into your Wise USD account details (free); Wise Business: Wise conversion fee from USD to GBP (varies by currency, from 0.24%); Wise Business: Keeping the GBP in your Wise Business account, which has UK account details (free). wise.com/gb/pricing/business, checked 18 Oct 2026.
- 2.Stripe: International card fee (3.15%); Stripe: Fixed fee (GBP 0.20, converted at the ECB rate of 16 Oct 2026); Stripe: Currency conversion surcharge (USD to GBP). stripe.com/gb/pricing, checked 17 Oct 2026.
- 3.PayPal: Payment fee (PayPal standard rate); PayPal: Extra fee for a client outside the EEA; PayPal: Conversion to GBP above PayPal's base rate. www.paypal.com/gb/business/paypal-business-fees, checked 17 Oct 2026.
- 4.Xero: International card fee (3.25%); Xero: Fixed fee (GBP 0.20, converted at the ECB rate of 16 Oct 2026). www.xero.com/uk/pricing-plans/pricing-and-fees-for-stripe/, checked 17 Oct 2026.
- 5.Xero: Cheapest plan with online invoice payments (Ignite, GBP 18 a month, converted at the ECB rate of 16 Oct 2026); Xero: Change from USD to GBP by the client's card issuer (not published). www.xero.com/uk/pricing-plans/, checked 17 Oct 2026.
- 6.Square: Square Invoices card fee; Square: Fee for a card issued outside the UK. squareup.com/help/gb/en/article/5068-what-are-square-s-fees, checked 17 Oct 2026.
Where the money goes
$10,000 by bank transfer, line by line
Wise Business
- Receiving USD from a US client by ACH into your Wise USD account details1Free
- Wise conversion fee from USD to GBP (varies by currency, from 0.24%)1$24.00
- Keeping the GBP in your Wise Business account, which has UK account details1Free
- Total (at least)$24.00
- You receive (at most)$9,976.00
Some fees on this route aren't published, so this is the least it can cost.
Playto
- Bank transfer fee$5.00
- Total$5.00
- You receive$9,995.00
Prices from playto.so/pricing. Playto adds zero markup.
Getting paid in the United Kingdom
The basics, with sources
Public facts from official sources, each with its date. Not advice: check with your bank.
Local bank payments
Faster Payments, run by Pay.UK, carries bank payments that people, businesses and charities across the UK make online, in a mobile app or by phone. It can send up to £1 million and reaches virtually everyone with a UK bank account, but each bank sets its own limit.
Source: www.wearepay.uk, checked 17 Oct 2026.
Money rules
The IMF's 2023 report shows no UK rule that money earned from abroad must be brought home by a deadline. It also shows no rule that this money must be changed into pounds.
Source: www.elibrary.imf.org, checked 17 Oct 2026.
Exchange rate, for scale
1 USD = 0.752 GBP (US Treasury reference rate, 30 Sept 2026). The rate on the day of a payment will differ.
Source: fiscaldata.treasury.gov.
Calculator
Try your own amount
From $1,000 to $50,000, by card or bank transfer, for a client in the United States paying a business in the United Kingdom.
Fees charged
- Wise BusinessYou receive $9,976.00 at most≥ $24.00
- PlaytoYou receive $9,995.00$5.00
Side by side
Wise Business and Playto, in plain numbers
What adds to the cost with Wise Business
- Wise Business lists no card option for a client in the United States paying a business in the United Kingdom.
- By bank transfer, Wise Business adds from 0.24% when it changes the money to GBP: at least $24.00 on $10,000.
- All in, Wise Business takes $24.00 or more (0.2%) of a $10,000 bank transfer payment. Playto takes $5.00.
- Some Wise Business fees for bank transfer payments are not published, so the real cost can be higher.
- By bank transfer, Wise Business' published fees come to less from $1,000 to $2,000, but not all of its fees are published.
When Wise Business is still the right choice
- You want to keep the money in US dollars and not change it. An account that holds foreign money may suit you better.
Switching
Move from Wise Business in three steps
- 1
Request an invite
Tell us about your business. Playto checks every business before it gets in.
- 2
Send a payment link
Share a link or an invoice. Your client can pay 30+ ways, from 170+ countries.
- 3
Get paid
Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Playto adds zero markup.
FAQ
Wise Business alternative in the United Kingdom: questions
Is Playto cheaper than Wise Business in the United Kingdom?
What are the alternatives to Wise Business for a business in the United Kingdom?
How does a business in the United Kingdom get paid from abroad?
Does Wise Business work in the United Kingdom?
How much does Wise Business charge on a $10,000 payment from the United States?
How much does Playto cost?
How do I move from Wise Business to Playto?
Keep comparing
Related pages
Get paid by global clients
Get paid by clients abroad with zero markup
Cards cost 2.5% + $0.30. Bank transfers are never more than $5. Your client can pay 30+ ways, from 170+ countries.
No monthly fees. No setup fees. Lowest price guarantee.