For most people, there are no limits on how much you can receive and keep on Wise Business account.
There are a few exceptions, based on your account's currency or your registered country:
USD balances: a receiving limit applies if your USD account details use a routing number starting with 026 (see below). If your routing number starts with 084, there's no limit.
Singapore, Japan, or Malaysia: if your registered address is in one of these countries, separate holding limits apply to your account.
India: there are limits on how much you can receive, and you can't hold a balance.
Philippines: there's no holding limit, but a monthly receiving limit applies.
There are 2 exceptions: people receiving US dollars (USD) into their balance, and people whose account address is in Singapore. The limits are shown below.
USD limits (routing number starting with 026)
| Personal limit | Business limit |
Per transaction / per day | $20 million | $50 million |
Per year | $35 million | $150 million |
How USD limits work
If you have a USD balance, the limit applies to the amount you receive directly to the account. Any money sent to you by someone else, or any money you send from your own bank account to your USD account details with Wise, counts towards the limit.
However, using the "Add USD" option, or converting money to USD from one of your other balances, does not count towards the limit.
These limits apply for a rolling 365-day period, not a calendar year. So if you receive a payment on 10 April, it counts towards your limit until 11 April the following year. This is confirmed as current on Wise's help centre.
For Singapore, Japan, and Malaysia holding limits, or the India/Philippines specifics, link out to Wise's own articles rather than restating numbers here, since those change more often and it keeps this page accurate without needing constant upkeep.
Last verified: September 2026 by Unicount team