Wise Card
Multi-currency debit card from Wise. Spending a currency you hold is free; otherwise the card converts from the cheapest available balance at Wise's conversion fee. No subscription.
Base cashback
0%*Show source
Base cashback: 0%
No cashback on card spending (owner research)
Source states (paraphrased): Owner research: Wise has no cashback on card spending.
Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Max cashback
Base 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%
FX fee
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%
ATM fee
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%
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%
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%
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- Low FX fee (0.43%)
- Apple Pay and Google Pay
- Free ATM withdrawals up to €250/month
Cons
No disadvantages derived from the published data yet.
Good for
- Frequent travellers
Not for
- Users who insist on self-custody
Risks to understand
- E-money balances are safeguarded, not covered by deposit insurance unless the provider is a licensed bank.
All details
Fees9/15
- 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
0.43%*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
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
2.69%*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
€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
Not yet researched: Annual fee, Crypto conversion fee, Crypto withdrawal fee, Transfer fee, Settlement fee, Small transaction fee.
Cashback & rewards3/14
- Base cashback
0%*Show source
Base cashback: 0%
No cashback on card spending (owner research)
Source states (paraphrased): Owner research: Wise has no cashback on card spending.
Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback on card spending (owner research)
- Cashback type
None*Show source
Cashback type: None
No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest
Source states (paraphrased): Owner research: Wise has no cashback on card spending.
Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest
- Interest on balance
2.4%*Show source
Interest on balance: 2.4%
Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies
Source states (paraphrased): Für anrechnungsfähige Guthaben auf Wise-Konten im September 2026 zahlte Wise einen annualisierten Cashback-Satz von: 1,20% für jeden EUR-Betrag 2,20% für jeden GBP-Betrag 2,40% für jeden USD-Betrag
Source: https://wise.com/de/help/articles/b8sVSdAzytqVamfajSirb
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies
Not yet researched: Max cashback, Cashback paid in, Cashback-eligible spend cap, Max cashback per month, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing2/11
- 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%
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend by borrowing against collateral.
Supported countries & currencies4/4
- 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, wallets & supported assets5/11
- Apple Pay
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): 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%
Not yet researched: Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody2/3
- 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
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
Not yet researched: Smart-contract risk.
Limits0/2
No limits data published or researched yet.
Product4/7
- Product status
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
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
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: Getting started with the Wise card
Official help center / FAQ (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Not yet researched: Launch date, Card issuer / program manager, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 0.00% | 20% | 100 |
Cashback & rewards No cashback programme · Interest on balance 2.4% (variable) | 20% | 12 |
Availability 60 of 60 tracked countries | 15% | 100 |
FX & international FX fee 0.43% | 10% | 83 |
Product features 5 of 5 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: custodial · Regulated / protected (+15) | 10% | 75 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM ATM cost on €200 ≈ 2.7% · Free ATM allowance ≈ €250/month | 5% | 51 |
Transparency 7 of 7 checked key terms disclosed · 2 contradiction(s) between official sources | 5% | 86 |
Data coverage 100%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Wise Card have an annual or monthly fee?
Base tier: Free (No subscription required). Source: Fees for holding, receiving, and spending money.
What is the FX fee of Wise Card?
0.43% (From; varies by currency pair; 0% when spending a currency you hold). Source: Fees for holding, receiving, and spending money.
How much cashback does Wise Card pay?
Base rate: 0% (No cashback on card spending (owner research)).
Is Wise Card a credit card?
No. It is a debit card; you spend your own balance.
Where is Wise Card available?
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).
Is Wise Card self-custodial?
Custodial (The provider holds the funds).
Does Wise Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history34 entries
- Base cashback not disclosed → 0 · 24 October 2026 · approved
- Cashback type not disclosed → "none" · 24 October 2026 · approved
- Interest on balance 3.61 → 2.4 · 24 October 2026 · approved
- Interest on balance not disclosed → 3.61 · 24 October 2026 · approved
- Custody model not disclosed → "custodial" · 24 October 2026 · approved
- Deposit protection not disclosed → false · 24 October 2026 · approved
- Virtual card fee {"amount":0,"currency":"GBP"} → {"amount":0,"currency":"EUR"} · 24 October 2026 · approved
- Replacement fee not disclosed → {"amount":4,"currency":"EUR"} · 24 October 2026 · approved
- Physical card fee {"amount":7,"currency":"GBP"} → {"amount":7,"currency":"EUR"} · 24 October 2026 · approved
- Spend own balance directly not disclosed → true · 24 October 2026 · approved
- Credit line not disclosed → false · 24 October 2026 · approved
- Network not disclosed → ["visa"] · 24 October 2026 · approved
- Regulation / licences ["Wise Europe SA: payment institution authorised by the National Bank of Belgium"] → ["Wise Europe SA: authorised payment institution supervised by the National Bank of Belgium"] · 24 October 2026 · approved
- Not available in not disclosed → ["HK"] · 23 October 2026 · approved
- Available in ["AU","BR","CA","EEA","CH","IL","JP","MY","NZ","PH","SG","TH","GB","US"] → ["AU","BR","CA","EEA","CH","GF","GP","MQ","YT","RE","BL","MF","IL","JP","MY","NZ","PH","SG","TH","GB","FK","GG","GI","IM","JE","KY","AD","MC","PM","SX","US"] · 23 October 2026 · approved
- Virtual card not disclosed → true · 23 October 2026 · approved
- Physical card not disclosed → true · 23 October 2026 · approved
- Card type not disclosed → ["debit"] · 23 October 2026 · approved
- Regulation / licences not disclosed → ["Wise Europe SA: payment institution authorised by the National Bank of Belgium"] · 23 October 2026 · approved
- Google Pay not disclosed → true · 23 October 2026 · approved
- Apple Pay not disclosed → true · 23 October 2026 · approved
- Other fees & markups not disclosed → ["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"] · 23 October 2026 · approved
- ATM withdrawals not disclosed → true · 23 October 2026 · approved
- Own IBAN / bank details not disclosed → true · 23 October 2026 · approved
- Top-up fee not disclosed → {"percent":0} · 23 October 2026 · approved