Finance Tools Review

Wise

Deep Dive Analysis

Wise moves money between currencies at the mid-market rate with an explicit fee, and provides multi-currency accounts with local details.

Freelancers and businesses invoicing across borders.

"The default for cross-border payments. Keep a real bank relationship alongside it."

Corporate cards and expense management.

Cloud accounting for small business.

Free accounting and invoicing.

Public API

Offers a documented API you can build against.

Yes

Mobile app

Has a native app for iOS or Android, not just a mobile website.

Yes

Open source / self-hostable

Source is open and the tool can be run on your own infrastructure.

SSO (SAML)

Supports SAML single sign-on on at least one plan.

These are facts that can be checked, not opinions. Where we have not checked, it says so — we do not fill the gap with a guess.