Ready Card vs Wise Card
Crypto native
E-money / FinTech
Verdict
- Wise Card scores higher overall (7.7 vs 7.6 out of 10).
- Ready Card is clearly stronger on: FX & international, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Ready Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Stronger on: FX & international, Limits & ATM
Wise Card is a good fit for
- Frequent travellers
Score by criterion
| Criterion | Ready Card | Wise Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | – |
| Availability | – | 100 |
| FX & international | 100 | 83 |
| Product features | 100 | 100 |
| Custody & security | 80 | – |
| Credit & financing | – | 30 |
| Limits & ATM | 74 | 51 |
| Transparency | 79 | 86 |
| Best for Travel | 8.5 | 8.1 |
| Best for Self-Custody | 8.2 | n/a |
| Best for DeFi Users | 7.5 | n/a |
| Best for High Spenders | 7.1 | 6.5 |
| Best for Low Fees | 9.3 | 8.6 |
| Best for Beginners | 8.1 | 8.7 |
| Best E-Money Card | n/a | 8.8 |
Product
Product status
ActiveShow source
Product status: Active
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit cardShow source
Card type: Debit card
Source states (paraphrased): Select the option to order your Wise debit card
Source: How to use the Wise card abroad: for Brits
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Network
MastercardShow source
Network: Mastercard
Source states (paraphrased): Accepted anywhere Mastercard is accepted.
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Visa*Show source
Network: Visa
Visa in Ireland and the EEA; network depends on issuing country
Source states (paraphrased): In Ireland and across the EEA, the Wise card is a Visa debit card.
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Visa in Ireland and the EEA; network depends on issuing country
Custody model
Self-custody*Show source
Custody model: Self-custody
Ready App is non-custodial; the Ready Card itself is issued by a third-party issuer under separate terms
Source states (paraphrased): As the Ready Products are non-custodial, you manage digital assets through the Ready App at your own risk.
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Ready App is non-custodial; the Ready Card itself is issued by a third-party issuer under separate terms
Tiers / plans
Lite (free) · MetalShow source
Tiers / plans: Lite (free) · Metal
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Monthly fee
Free*Show source
Monthly fee: Free
No subscription required
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
No subscription required
Physical card fee
€7*Show source
Physical card fee: €7
Ireland page; one-time card order fee
Source states (paraphrased): Ordering a physical card | €7
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ireland page; one-time card order fee
Virtual card fee
Free*Show source
Virtual card fee: Free
Ireland page
Source states (paraphrased): Generating digital cards | Free
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ireland page
Replacement fee
€4*Show source
Replacement fee: €4
Ireland page; free if the card was expiring
Source states (paraphrased): Replacing a card | €4 - unless it was expiring in which case it’s free
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ireland page; free if the card was expiring
FX fee
0%*Show source
FX fee: 0%
Card page; a Ready Learn page lists 1% for Metal
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 45%
Card page; a Ready Learn page lists 1% for Metal
0.43%*Show source
FX fee: 0.43%
From; varies by currency pair; 0% when spending a currency you hold
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
From; varies by currency pair; 0% when spending a currency you hold
Top-up fee
Free*Show source
Top-up fee: Free
Metal tier
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier
Free*Show source
Top-up fee: Free
Domestic bank transfer only; other payment methods have varying fees
Source states (paraphrased): it’s free if you send a domestic bank transfer to your Wise account details
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Domestic bank transfer only; other payment methods have varying fees
ATM fee
2%*Show source
ATM fee: 2%
Metal tier, above the monthly free limit
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier, above the monthly free limit
2.69%*Show source
ATM fee: 2.69%
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Source: Card payments abroad from France: what are the fees
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Eurozone-issued cards, above the free allowance; ATM operators may add fees
Free ATM allowance
$800/month*Show source
Free ATM allowance: $800/month
Metal tier
Source states (paraphrased): 2% ATM fee above the monthly free limit of $800.
Source: Ready Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Metal tier
€250/month*Show source
Free ATM allowance: €250/month
Eurozone-issued cards; no limit on the number of free withdrawals
Source: Card payments abroad from France: what are the fees
Official announcement (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Eurozone-issued cards; no limit on the number of free withdrawals
Other fees & markups
Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amount*Show source
Other fees & markups: Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amount
Spending a currency you hold is free
Source states (paraphrased): There may be a fee to get or replace your card.
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Spending a currency you hold is free
Cashback & rewards
Cashback type
Points*Show source
Cashback type: Points
Ready Rewards Points; may appear in-app as cashback; redeemable to offset eligible card purchases (USDC transfer)
Source states (paraphrased): they are loyalty benefits only, not money, e-money, or cryptoassets
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ready Rewards Points; may appear in-app as cashback; redeemable to offset eligible card purchases (USDC transfer)
Cashback conditions
Points awarded only after the transaction has settled and a 7-day grace period has elapsed · Points rate depends on Ready plan, transaction type and promotions · Monthly or other caps on Points may apply (shown in app) · Redemption only for settled transactions on eligible MCCs no more than 30 days old; no partial redemptionsShow source
Cashback conditions: Points awarded only after the transaction has settled and a 7-day grace period has elapsed · Points rate depends on Ready plan, transaction type and promotions · Monthly or other caps on Points may apply (shown in app) · Redemption only for settled transactions on eligible MCCs no more than 30 days old; no partial redemptions
Source states (paraphrased): Points are awarded only after the underlying transaction has fully settled and a grace period (currently 7 days) has elapsed.
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Reward expiry / vesting
Points do not currently expire; forfeited if the account is closed*Show source
Reward expiry / vesting: Points do not currently expire; forfeited if the account is closed
Ready may introduce expiry with at least 30 days' notice
Source states (paraphrased): Points do not currently expire.
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Ready may introduce expiry with at least 30 days' notice
Reward exclusions
Certain merchants, merchant category codes (MCCs) or transaction types, as set out in the appShow source
Reward exclusions: Certain merchants, merchant category codes (MCCs) or transaction types, as set out in the app
Source states (paraphrased): Points may be excluded for certain merchants, merchant category codes (MCCs), or transaction types
Source: Ready Rewards Terms and Conditions
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Credit & financing
Credit line
NoShow source
Credit line: No
Source states (paraphrased): you’re not borrowing any money
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): the money is coming directly from the balance in your Wise Account
Source: Is Wise card debit or credit? - Wise
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Availability
Available in
Australia, Brazil, Canada, EEA, Switzerland, GF, GP, MQ, YT, RE, BL, MF, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, FK, GG, GI, IM, JE, KY, AD, MC, PM, SX, United States*Show source
Available in: Australia, Brazil, Canada, EEA, Switzerland, GF, GP, MQ, YT, RE, BL, MF, Israel, Japan, Malaysia, New Zealand, Philippines, Singapore, Thailand, United Kingdom, FK, GG, GI, IM, JE, KY, AD, MC, PM, SX, United States
Personal customers; USA except residents of Nevada; Thailand only for accounts registered on or after 21 January 2026; business customers in Malaysia excluded; includes French overseas departments/regions and UK-linked European microstates and overseas territories
Source states (paraphrased): The Wise card is available to personal customers that live in these countries and regions:
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Personal customers; USA except residents of Nevada; Thailand only for accounts registered on or after 21 January 2026; business customers in Malaysia excluded; includes French overseas departments/regions and UK-linked European microstates and overseas territories
Not available in
Hong Kong*Show source
Not available in: Hong Kong
Cards are blocked on moving to Hong Kong; no new card offered
Source states (paraphrased): If you move to Hong Kong, we have to automatically block your Wise cards
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Cards are blocked on moving to Hong Kong; no new card offered
Account / spend currencies
EUR · GBP · USD · and many moreShow source
Account / spend currencies: EUR · GBP · USD · and many more
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
Personal accounts; business accounts may pay a one-time setup fee
Source states (paraphrased): Getting account details is free for personal accounts.
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Personal accounts; business accounts may pay a one-time setup fee
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): used for transactions, including through Apple Pay or Google Pay
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
YesShow source
Apple Pay: Yes
Source states (paraphrased): add them to a mobile wallet such as Apple Pay or Google Pay
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): used for transactions, including through Apple Pay or Google Pay
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
YesShow source
Google Pay: Yes
Source states (paraphrased): add them to a mobile wallet such as Apple Pay or Google Pay
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Physical card
YesShow source
Physical card: Yes
Source states (paraphrased): This applies to both physical and digital cards.
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): This applies to both physical and digital cards.
Source: Can I get the Wise card in my country?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): Withdrawing cash from ATMs is free up to a certain amount.
Source: Fees for holding, receiving, and spending money
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Blockchains
StarknetShow source
Blockchains: Starknet
Source: Network fees (gas): what do you need to pay?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Security & custody
Regulation / licences
Wise Europe SA: authorised payment institution supervised by the National Bank of Belgium*Show source
Regulation / licences: Wise Europe SA: authorised payment institution supervised by the National Bank of Belgium
EU entity
Source states (paraphrased): In the EU, Wise Europe SA is an authorised payment institution supervised by the National Bank of Belgium.
Source: How our EU entity, Wise Europe SA, safeguards customer funds | Wise Help Centre
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
EU entity
Deposit protection
No*Show source
Deposit protection: No
Applies to digital assets managed through the Ready App
Source states (paraphrased): are not covered or underwritten by any regulatory guarantees or compensation schemes
Source: Ready App – Terms of Service
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Applies to digital assets managed through the Ready App
No*Show source
Deposit protection: No
Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection
Source states (paraphrased): our payment services aren't subject to the Belgian Deposit Guarantee Scheme
Source: How our EU entity, Wise Europe SA, safeguards customer funds | Wise Help Centre
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection
Annual cost at 1,500 EUR/month
Ready Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Wise Card
- Annual & monthly fees+0 EUR
- FX costs−15 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers