最近更新：2026/09/13
Wise Card 是由 Wise 提供的国际支付借记卡，连接 Wise 多币种账户，用户可以使用账户中的多种货币余额进行消费、线上支付和 ATM 取现。该卡主要面向跨境支付、海外消费、旅行和国际资金管理场景，支持实体卡和虚拟卡形式。
Wise Card 是 Wise 多币种账户体系中的支付工具，用户通过 Wise 账户管理不同货币余额，并可使用 Wise Card 在支持 Visa 的商户进行支付。卡片通常与 Wise 账户中的资金直接关联，消费时可根据账户余额和 Wise 的换汇机制完成结算。Wise Card 提供实体卡和虚拟卡服务，适用于国际旅行、海外购物、跨境收付款以及日常消费场景。卡片申请资格、功能范围和费用规则会根据用户所在地区有所不同。
比较不同卡片形态与等级的真实费用记录
按住或滑动表格任意区域，左右查看全部卡片；左侧项目保持固定
W Wise Physical Card | W Wise Digital Card | |
|---|---|---|
| 卡片类型 | 实体卡 | 虚拟卡 |
| 费用 | ||
| 月费 | 免费 Wise 无月租费 | 免费 Wise Digital Card 不收月租费 |
| 开卡费 | 免费 部分国家首次免费 部分地区可能收取约 5–10 美元/英镑/欧元等当地货币的制卡费 | 免费 数字卡通常免费生成 |
| ATM 取现费 | 免费 Wise 根据地区设定免费额度 例如美国用户通常每月前 2次且合计约100美元以内免费 | — |
| 货币转换费 | 0.3% Wise 使用实时汇率兑换，收取透明兑换手续费 主要货币通常约0.3%左右 | 3% 与 Wise 共享 Wise 账户余额和兑换费率 |
| 充值费 | 免费 银行转账通常免费 银行卡充值可能收取约 0.2%–2%+手续费 | 免费 与一致，银行转账通常免费 |
| 交易失败费 | 免费 | 免费 支付失败通常不会收取费用 |
| 奖励 | ||
| 返现 | — | — |
| 加密货币返现 | — | — |
| 质押奖励 | — | — |
| 质押年利率 | — | — |
| 欢迎奖金 | — | — |
| 推荐奖金 | — | — |
| 限制 | ||
| 每日支出限额 | 5,000 USD 通常约 5,000–10,000 美元等值 | — |
| 每月支出限额 | — | — |
| ATM 取款限额 | 1,000 USD 通常每日约 1,000–1,500 美元等值 | — |
| 卡片网络 |
费用可能因地区、卡片等级和官方政策变化，请以最新官方资料为准。
以下按地区申请状态整理公开资料、官方政策和用户反馈，不构成办卡建议。
支持申请或可正常开卡使用
42条
不支持或受限开户/功能
50条
资料不足，状态待确认
0条
暂无记录
我们正在持续更新中
1、中国大陆：居民无法直接申请 Wise Card，已持有其他地区发行卡片可在支持 Visa 的商户使用。
2、香港：香港居民可申请 Wise Card，并可用于国际支付、线上消费和部分 ATM 取现。
3、澳门：澳门居民申请资格受 Wise 服务范围限制，已持卡用户可在支持 Visa 商户使用。
4、台湾：台湾居民可申请 Wise 账户相关服务，Wise Card 申请资格依据当地开放情况。
开户前需完成身份验证，以下为当前核验要求与限制说明
是否需要 KYC
是
KYC 等级
完整 KYC
居住证明
需要
护照、身份证、驾驶证
自动审核与人工审核结合，高峰期间可能延迟
未披露
2026/08/20
查看各类支付场景的支持状态及更新时间，便于您快速了解当前可用性。i
兼容性概览
共 12 项场景支持
10项
不支持
2项
数据更新时间
2026/08/20
钱包支付
更新时间 2026/08/20
钱包支付
更新时间 2026/08/20
现金服务
更新时间 2026/08/20
AI 工具
更新时间 2026/08/20
AI 工具
更新时间 2026/08/20
钱包支付
更新时间 2026/08/20
AI 工具
更新时间 2026/08/20
线下支付
更新时间 2026/08/20
线上购物
更新时间 2026/08/20
钱包支付
更新时间 2026/08/20
订阅服务
更新时间 2026/08/20
钱包支付
更新时间 2026/08/20
基于已核实记录写成的产品评测，结论与更新时间一并列出。
暂无深度评测
这张卡片还没有发布评测。发布后会出现在这里，并在上游数据变化时标记为待更新。
经核实并发布的卡片变化记录，按发生时间排列。
暂无已确认的变化
该卡片还没有已确认并发布的变化记录。新的变化经核实后会出现在这里。
展示最新 10 条已批准入库、并已匹配当前卡片的评论
very good
Hi Paolo! Making international money management effortless is what we strive for every day. Thanks for choosing Wise! - Wise
superb
Hi Derek, making seamless cross-border transfers is always our top priority. We are really happy to know everything is running smoothly for you. Thanks for choosing us 💚 - Wise
best app to hold foreign currency, very low fees with healthy exchange rate
we love knowing that keeping different currencies in one place works so well for you! Offering mid-market exchange rates alongside transparent pricing is what our team focuses on every single day. Thanks for trusting Wise with your international money 😉 - Wise
nice
Hey there, we are so glad to hear that you are enjoying the experience! Thanks for choosing us for your transfers 💚 - Wise
super simple and efficient for USD account
Hi Olivier, making international money management effortless is what we strive for every day. Thanks for choosing Wise! - Wise
Worst customer support I've ever got from a banking/financial solution provider. Whatever I ask them through support. they just tell me, like a parrot, that they can't check the details. Then why are you giving support, dumbass? My account got restricted, and they are going to close it for not verifying my address. Then I appealed and submitted all the required documents that they asked for. Even after submitting all the legal documents I got from the govt. for my LLC, they closed my AC.
Hi there, account deactivation isn't something we take lightly. It's normally a result of a conflict with our Terms of Service or Customer Agreement. We can't share the exact reason of the deactivation due to how we're regulated. If there's a mistake, you can file an appeal. For help, contact us at: http://wi.se/help, or via social media. -Wise
good
Hi! Thanks for trusting Wise to help manage your international transfers. - Wise
They redirect your money without consent or even warning, and when you query they are slow and rude, and terminate the conversation. Not to be trusted.
Hey Zoran, we understand how frustrating it can be when you’re trying to understand what happened to your money and don’t get the answers you need. If you’re facing an issue with a transfer or payment, drop us a PM/DM on Instagram, Facebook or X with your membership number so we can look into this with you. -Wise
fantastic
Hi Jaspher, we love hearing that your experience with our app was fantastic! Keeping your international transfers simple and reliable is what our team works on every day. Thanks for trusting Wise with your money! - Wise
Good day, I'm wondering when the money sent by my employer on Sept 14, 2026 will be returned because my account has been closed but it hasn't been credited to my balance... It's been 9 days now and the money hasn't been refunded... thank you so much..
Hey Melmar. As previously mentioned, any cancelled transfers would most likely be refunded within 10 working days, depending on payment method. If it hasn't been refunded after 10 working days, do reach out to us via wi.se/help so we can take a closer look and see what's happening. -Wise
更新时间：2026/08/20
暂无风险因素
