Lili vs Wise Business

Two banking tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	LiliLili	Wise BusinessWise
In one line	Business checking with accounting and invoicing on the paid plans	Multi-currency account for paying and getting paid abroad
Starting price	Free	$31 one-time setup
Six-person team	$0/mo	$31 one-time setup
Plans	Core $0/mo; Pro $15/mo; Smart $35/mo (accounting, invoicing); Premium $55/mo; intro discounts for 3 months	$31 one-time setup fee; no monthly fee; conversion fees vary by currency; ATM withdrawals free up to $250/mo, then $1.95 + 1.95%; volume discount over $25,000/mo
Pricing model	Free tier	Paid
Free trial	—	—
Users	1 owner	Multiple
Both connect to	QuickBooks Online, Xero
Also connects to	No others on record50+ listed by the vendor	Wave, Zoho Books
Team size	Just me	Just me · 2–10 people · 11–50 people
Available in	US	US · UK · CA · AU
Phone support	Plans not stated	Every plan (US)
Live chat	None listed	Not looked up yet
Support hours	Not published	Phone: 24/7
Incidents posted	We found no public status page for Lili.	5 incidents posted on Wise's status page, which covers all Wise products and regions, in the 90 days to Oct 27, 2026; 1 marked major or critical by Wise. Status page
Capterra score	Not listed	3.7 / 5 from 91 reviews
Trustpilot score	4.7 / 5 from 4,481 reviews	Not listed
Fit: Retail shop	40	25
Fit: Restaurant or café	30	15
Fit: Service business	82	45
Fit: Agency or studio	72	65
Fit: Trades or contractor	72	20
Fit: Online store	55	65
Why people pick it	Free core account Books and invoices in the banking app	Mid-market exchange rate Local account details abroad
Where it falls short	Paid tiers add up Thin for teams	Not a full US bank account; pair it with one Fees on every conversion
	Visit Lili ↗	Visit Wise Business ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices