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WWise Card logo

Wise Card

Updated: Aug 20, 2026

Wise Card is an international payment debit card offered by Wise and linked to a Wise multi-currency account. Users can spend balances in multiple currencies held in the account, make online payments, and withdraw cash from ATMs. The card is primarily intended for cross-border payments, overseas purchases, travel, and international money management, and is available as both a physical card and a virtual card.
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Card network
Visa
Product type
Crypto debit card
Card form
Physical card / Virtual card
Operating status
Active
KYC level
Full KYC
Commercial relationship
No commercial relationship
Risk score
80-89
Supported assets
EUR
Last updated
Aug 20, 2026

Official and company information

Issuer identity and company credentials

Wise is a cross-border payment and fintech platform, formerly TransferWise, offering international money transfers, multi-currency accounts, debit cards, business accounts, and payment infrastructure for banks and businesses. UK services are primarily provided by Wise Payments Limited, authorized by the FCA; other countries and regions are served by locally licensed subsidiaries or partner financial institutions.
Visit website Application page
Company / issuer
Wise
Legal name
Wise Payments Limited
Registered region
United Kingdom (GB)
Headquarters
London, United Kingdom
Company type
Emi
Verification status
Verified
Issuer website
Official link
Application page
Application link

Card overview

Wise Card is a payment tool within the Wise multi-currency account system. Users manage balances in different currencies through their Wise account and can use Wise Card to pay at merchants that accept Visa. The card is generally linked directly to funds in the Wise account, with transactions settled according to the account balances and Wise's currency conversion mechanism. Wise Card offers physical and virtual card services and is suitable for international travel, overseas shopping, cross-border payments and receipts, and everyday spending. Card eligibility, available features, and fee rules vary according to the user's region.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.

Card variants and fee differences

Compare verified fee records across card forms and tiers

Drag or swipe anywhere in the table to view every card; labels stay fixed

Wise physical card
Wise virtual card
Card formPhysical cardVirtual card
Fees
Monthly fee
Free
Wise has no monthly fee
Free
Wise Digital Card has no monthly fee
Card issuance fee
Free
First card free in some countries. Some regions may charge a card issuance fee of about 5–10 USD/GBP/EUR or local currency.
Free
Digital card is usually free to generate
ATM fee
Free
Wise sets free limits based on region. For example, US users typically get the first 2 withdrawals per month free up to about $100 total.
—
Foreign exchange fee
0.3%
Wise uses real-time exchange rates and charges a transparent conversion fee, typically around 0.3% for major currencies
3%
Shares Wise account balance and exchange rates with Wise
Top-up fee
Free
Bank transfers are usually free; card top-ups may incur a fee of approximately 0.2%–2% plus a fixed charge
Free
Same as above, bank transfers are usually free
Failed transaction fee
Free
Free
Payment failures are usually not charged
Rewards
Cashback——
Crypto cashback——
Staking rewards——
Staking APR——
Welcome bonus——
Referral bonus——
Limits
Daily spending limit
5,000 USD
Typically around 5,000–10,000 USD equivalent
—
Monthly spending limit——
ATM withdrawal limit
1,000 USD
Typically around 1,000–1,500 USD equivalent per day
—
Card network
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Fees may vary by region, card tier, and official policy. Verify the latest official terms.

Regions and China applicability

Application status based on public sources, official policy, and user reports. This is not application advice.

Available regions

Applications or normal card activation are supported

42
LatviaLVMaltaMTSloveniaSIGreeceGRCroatiaHRFinlandFIPhilippinesPHEstoniaEECanadaCAUnited KingdomGBJapanJPItalyITAustraliaAUNetherlandsNLBelgiumBESwitzerlandCHHungaryHURomaniaROAustriaATGermanyDESlovakiaSKLithuaniaLTHong KongHKNew ZealandNZMalaysiaMYCzechiaCZIrelandIEBulgariaBGDenmarkDKSwedenSELuxembourgLUIcelandISFranceFRNorwayNOSouth KoreaKRLiechtensteinLIPortugalPTCyprusCYSpainESPolandPLUnited StatesUSSingaporeSG
Evidence
Officially supported

Unsupported or restricted regions

Applications or features are unavailable or restricted

50
United Arab EmiratesAESri LankaLKTürkiyeTRChileCLTanzaniaTZCosta RicaCRMyanmar (Burma)MMUzbekistanUZKazakhstanKZNorth MacedoniaMKSouth AfricaZAPeruPEChinaCNParaguayPYArmeniaAMPakistanPKColombiaCOMacaoMOMontenegroMEIndiaINUgandaUGIndonesiaIDLaosLACambodiaKHSerbiaRSUruguayUYRussiaRUThailandTHBelarusBYEgyptEGSaudi ArabiaSANepalNPArgentinaARGhanaGHMoroccoMAVietnamVNAlbaniaALUkraineUABangladeshBDTaiwanTWGeorgiaGEQatarQAMongoliaMNNigeriaNGAzerbaijanAZPanamaPAKenyaKEEthiopiaETMexicoMXIsraelIL
Evidence
Officially restricted

Unconfirmed regions

Evidence is insufficient

0

No records

Evidence
Public sources

China applicability

The source text is retained below.

Original

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。

Updated: Aug 20, 2026

Policies may change at any time. Verify the latest issuer policy.

KYC requirements

Current identity-verification requirements and restrictions

KYC required

YesRequired

KYC level

Full KYCRequirement confirmed

Proof of address

YesRequired

Accepted documents

Passport / ID card / Driver's license

Review time / regional limits

Automated and manual reviews are combined; delays may occur during peak periods.

KYC provider

Not disclosed

Updated

Aug 20, 2026

Payment compatibility

Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy

Compatibility overview12 scenarios
Supported10
Not supported2
UpdatedAug 20, 2026

Wallet payments

Alipay

Not supported

Aug 20, 2026

Wallet payments

Apple Pay

Supported

Aug 20, 2026

Cash services

ATM withdrawal

Supported

Aug 20, 2026

AI tools

ChatGPT

Supported

Aug 20, 2026

AI tools

Claude

Supported

Aug 20, 2026

Wallet payments

Google Pay

Supported

Aug 20, 2026

AI tools

Midjourney

Supported

Aug 20, 2026

In-person payments

Offline POS

Supported

Aug 20, 2026

Online shopping

Online shopping

Supported

Aug 20, 2026

Wallet payments

PayPal

Supported

Aug 20, 2026

Subscriptions

Subscription payment

Supported

Aug 20, 2026

Wallet payments

WeChat Pay

Not supported

Aug 20, 2026

User reviews

Showing 10 approved reviews matched to this card

Newest first
Richard Lee Manoretrustpilot★ 5 / 5

Best fund transfer service for expats ever!

Ease, response, and consistency. The most important app I have as an expat
View original
Roberttrustpilot★ 5 / 5

Everything is easy to use and…

Everything is easy to use and understand.
Official reply
Hey there, Thanks so much for taking the time to share this with us! We work hard to keep our app straightforward and simple, so hearing that everything is easy to use and understand really makes our day 🚀 Wise
View original
Andreas Krienertrustpilot★ 5 / 5

Also um ganz ehrlich zu sein ihr wart mal richtig gut.

Also um ganz ehrlich zu sein, es war schon mal doch besser, was im Ausland mit der Wise Karte betrifft. Und auch die Gebühren. Ich möchte nicht weiter darauf eingehen. Aber ansonsten ist alles gut, bin mit euch im großen und ganzen zufrieden. Sollte es aber trotzdem wieder mal ins negative gehen, dann würden ich darüber nachdenken. Eigentlich ward ihr mal die besten für mich. Mit freundlichen Gruss Festus
View original
Ferry Van tatenhovetrustpilot★ 1 / 5

Why the price for take money from the atm is so expensive when i draw money wise take money and the atm takes money

You charche to much money to draw money by a atm
View original
Marcintrustpilot★ 5 / 5

The best

Always fast and easy service. I wholeheartedly recommend it to everyone.
Official reply
Hey there, Thanks so much for taking the time to share this with us! Keeping your money moving quickly and smoothly is what we strive for, so hearing that you wholeheartedly recommend us really makes our day 🚀 Wise
View original
Hans Hermann Waltertrustpilot★ 5 / 5

I lost some money in Vietnam on a…

I lost some money in Vietnam on a withdrawal machine und you helped me to become it back.
Official reply
Hey Hans, We know how stressful it can be to run into issues with an ATM while traveling abroad! We're so glad our team could help you get your money back safely. Thanks for sharing this with us 💚 Wise.
View original
Jeannetrustpilot★ 3 / 5

Délai de traitement du virement plus…

Délai de traitement du virement plus long qu’annoncé
View original
IAIN FORSYTHtrustpilot★ 5 / 5

Making things simple

Today, I exchanged a quantity of euros for pounds sterling within Wise accounts and then transferred the sterling into my UK NatWest account ready to meet several pre-existing standing orders. This kind of thing is now a regular occurrence for me. My wife and I live in Spain and spend some time in the UK (my home country) and Japan (my wife's home country). We have accounts in euro, sterling and yen. Wise allows us to deal with all of our financial matters in all three countries with great ease, while receiving a decent return on our capital in the meantime. It is not only easy (and cheap) to convert money between the three currencies in our Wise accounts, but also simple to make same currency transfers between Wise accounts and national bank accounts in the three countries. Our living situation predates Wise and dealing with various financial matters is certainly a whole lot easier for us now than they used to be!
Official reply
Hey there, Thanks so much for taking the time to share your story with us! Hearing how Wise makes managing your money across Spain, the UK, and Japan effortless really makes our day 😊 Wise
View original
Grahamtrustpilot★ 4 / 5
people friendly
Official reply
Hey Graham, Friendly service and hassle-free transfers — we wouldn't have it any other way! Thanks for the review. Wise.
View original

Risk factors

Updated: Aug 20, 2026

No risk factors are available