Crypto.com Visa Card (EEA) vs Wise Card
Crypto native
E-money / FinTech
Verdict
- Wise Card scores higher overall (6.9 vs 6.0 out of 10).
- Crypto.com Visa Card (EEA) is clearly stronger on: Limits & ATM.
- Wise Card is clearly stronger on: Fees.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Crypto.com Visa Card (EEA) is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Limits & ATM
Wise Card is a good fit for
- Frequent travellers
Stronger on: Fees
Score by criterion
| Criterion | Crypto.com Visa Card (EEA) | Wise Card |
|---|---|---|
| Fees | 87 | 100 |
| Cashback & rewards | 9 | 12 |
| Availability | 100 | 100 |
| FX & international | – | 83 |
| Product features | 70 | 70 |
| Custody & security | – | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 64 | 51 |
| Transparency | 86 | 86 |
| Best for Cashback | 4.4 | 4.9 |
| Best for Travel | 6.2 | 7.4 |
| Best for DeFi Users | 4.8 | n/a |
| Best for High Spenders | 4.2 | 4.8 |
| Best for Low Fees | 7.4 | 8.6 |
| Best for Beginners | 7.3 | 7.8 |
| Best E-Money Card | n/a | 8.3 |
Product
Product status
ActiveShow source
Product status: Active
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
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
Prepaid cardShow source
Card type: Prepaid card
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
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
VisaShow source
Network: Visa
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
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
Card issuer / program manager
Foris MT Limited (Malta)Show source
Card issuer / program manager: Foris MT Limited (Malta)
Source states (paraphrased): The Crypto.com Visa Card is issued and promoted by Foris MT Limited
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Tiers / plans
Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source
Tiers / plans: Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)
Source states (paraphrased): Basic (previously Midnight)
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Fees
Monthly fee
Free*Show source
Monthly fee: Free
Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking
Source states (paraphrased): Tiers priced e.g. €3.99/month or €39.90 yearly, or €450 12-month CRO staking; top paid tier €24.99/month.
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking
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
€4.99*Show source
Physical card fee: €4.99
Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake
Source states (paraphrased): Midnight: €4.99
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake
€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
€45.01*Show source
Replacement fee: €45.01
Midnight; other tiers €50
Source states (paraphrased): Midnight - €45.01
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Midnight; other tiers €50
€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
1%*Show source
Top-up fee: 1%
Only for top-ups with debit/credit card; minimum top-up €20
Source states (paraphrased): Debit / Credit card top-up: 1%
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Only for top-ups with debit/credit card; minimum top-up €20
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%
Above the monthly free ATM limit; ATM provider surcharges may apply
Source states (paraphrased): ATM Withdrawal: 2% on amounts above the monthly free ATM limit
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Above the monthly free ATM limit; ATM provider surcharges may apply
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
€200/month*Show source
Free ATM allowance: €200/month
Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian
Source states (paraphrased): Free ATM withdrawals | €200 EUR (per month)
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian
€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
Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source
Other fees & markups: Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50
Source states (paraphrased): Effective 1 October 2026 fee will be updated to € 6.
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
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
Base cashback
0%*Show source
Base cashback: 0%
Free tier
Source states (paraphrased): Everyday CRO rewards from 0% on the free tier.
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Free tier
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)
Max cashback
4.5%*Show source
Max cashback: 4.5%
Highest tier; monthly caps apply by tier
Source states (paraphrased): Up to 4.5% on the highest tier, with caps by tier.
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Highest tier; monthly caps apply by tier
Cashback paid in
CROShow source
Cashback paid in: CRO
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Higher tiers via subscription or 12-month CRO staking
Source states (paraphrased): Tiers can be unlocked through a 12-month CRO stake (e.g. €450 for one tier).
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Higher tiers via subscription or 12-month CRO staking
Staking asset
CROShow source
Staking asset: CRO
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Capital required for top rewards
€450,000*Show source
Capital required for top rewards: €450,000
Obsidian tier (4.5%); 12-month lockup
Source states (paraphrased): €450,000 12-month CRO staking
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Obsidian tier (4.5%); 12-month lockup
Reward exclusions
Certain merchant categories or channels are excluded from CRO RewardsShow source
Reward exclusions: Certain merchant categories or channels are excluded from CRO Rewards
Source states (paraphrased): Transactions made under certain merchant categories or channels are excluded from the CRO Rewards program.
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
No*Show source
Credit line: No
prepaid card, must be topped up
Source states (paraphrased): The Crypto.com Card is a prepaid card.
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
prepaid card, must be topped up
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
EEAShow source
Available in: EEA
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
EURShow source
Account / spend currencies: EUR
Source states (paraphrased): Cards in EUR
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
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
Yes*Show source
Apple Pay: Yes
EU: available; not available in UK or Bahrain
Source states (paraphrased): | EU | Y
Source: How to set up Apple Pay in your Apple Wallet
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
EU: available; not available in UK or Bahrain
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
Yes*Show source
Google Pay: Yes
EU: Google Wallet available, Samsung Wallet not available
Source states (paraphrased): | EU | Y | N
Source: How to set up Google/Samsung Pay in your Google/Samsung Wallet
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
EU: Google Wallet available, Samsung Wallet not available
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): can be loaded onto the Crypto.com Prepaid Visa Card for use in purchase and ATM withdrawals
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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%
Airport lounge access
No*Show source
Airport lounge access: No
Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)
Source states (paraphrased): Airport Lounge Access | - | - | Yes for annual subscribers (Cap 2 times per year) | Yes | Yes
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)
Limits
ATM limit
€2,000*Show source
ATM limit: €2,000
Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day
Source states (paraphrased): Daily: €2,000
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day
Spending limit
€25,000*Show source
Spending limit: €25,000
Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000
Source states (paraphrased): POS Purchase Limit (Includes All In-Store and Online Purchases) – All Card Tiers
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000
Security & custody
Regulation / licences
Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source
Regulation / licences: Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSA
Source states (paraphrased): duly authorised by the Malta Financial Services Authority as a Financial Institutions licenced to issue electronic money
Source: Crypto.com Visa Card: Earn Up to 5% back on your daily spending
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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
Annual cost at 1,500 EUR/month
Crypto.com Visa Card (EEA)
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual valuenot enough data
Wise Card
- Annual & monthly fees+0 EUR
- FX costs−15 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value-15 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers