# Wise Business vs Arc

> Wise Business and Arc solve adjacent but different finance problems. Wise offers multi-currency balances, local receiving details, cards and cross-border transfers using the mid-market exchange rate plus transparent fees. Arc focuses on US operating cash and treasury management for technology companies, offering domestic transfers, bank sweeps and access to money market funds, mutual funds and Treasury bills. Arc's own international-payments guide directs customers to Wise, making the most useful answer less a winner-take-all verdict than a routing decision: use Wise when currency moves, Arc when surplus USD waits, and consider a two-product stack when both jobs matter.

## Achievements

- Wise reported £145.2 billion in total cross-border volume in fiscal 2025.
- Wise reported 0.7 million active business customers in fiscal 2025.
- Arc has raised $31 million in equity capital according to its company page.
- Arc Treasury offers a cash sweep designed for up to $2.5 million in aggregate FDIC insurance eligibility, subject to program rules.
- Arc combines cash management and capital-markets services for technology companies in one platform.

## Latest updates

- **2026-05** — Arc's help center listed Treasury account fees as a monthly asset-based fee of 0.1% for Premium and 0.50% for Essential accounts.
- **2026-05** — Arc's help center said uninvested Treasury funds enter a bank sweep and can be allocated to mutual funds, money market funds and Treasury bills.
- **2026-01** — Wise reported that Wise Business active customers rose 25% year over year in its fiscal 2026 third quarter, while business volumes grew 37%.

## Links

- Website: https://wise.com/us/business/
- LinkedIn: https://www.linkedin.com/company/wiseaccount
- Instagram: https://www.instagram.com/wiseaccount/
- Facebook: https://www.facebook.com/Wise/

---

Profile page: https://yespress.io/wise-moves-money-arc-makes-it-wait-better
Published by YesPress — https://yespress.io
Last updated: 2026-08-21