Wise Business features for Delaware LLC: multi-currency, virtual cards, bulk pay

Multi-currency strengths

Wise Business lets you hold balances in 40+ currencies, with local account details in major currencies (USD, GBP, EUR, AUD, NZD, CAD, INR, SGD, etc.). Useful for LLCs with international clients paying in different currencies.

FX margin: 0.3-0.7% above mid-market. Significantly better than Mercury (1% margin) or traditional banks (3-5%).

Virtual cards and bulk pay

Virtual debit cards for subscription management, easy to freeze if compromised. Bulk pay feature lets you send to multiple recipients in one transaction; useful for paying contractors.

Cards: free virtual, physical card ~$10 issuance.

When to use Wise

Primary account: works but less full-featured than Mercury for tech LLCs. Better as secondary: multi-currency, international wires, FX conversion. Some founders use Mercury for primary US operations + Wise for international currency conversion and home-country transfers.