Deblock Card vs Wise Card
Crypto native
E-money / FinTech
Verdict
- Wise Card scores higher overall (6.9 vs 5.6 out of 10).
- Deblock Card is clearly stronger on: Custody & security, Limits & ATM.
- Wise Card is clearly stronger on: Fees.
- For 1,500 EUR/month of spend, Wise Card comes out about 3 EUR a year ahead on base-tier terms.
Deblock Card is a good fit for
- Frequent travellers
Stronger on: Custody & security, Limits & ATM
Wise Card is a good fit for
- Frequent travellers
Stronger on: Fees
Score by criterion
| Criterion | Deblock Card | Wise Card |
|---|---|---|
| Fees | 70 | 100 |
| Cashback & rewards | 3 | 12 |
| Availability | – | 100 |
| FX & international | 80 | 83 |
| Product features | 70 | 70 |
| Custody & security | 85 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 82 | 51 |
| Transparency | 86 | 86 |
| Best for Cashback | 3.7 | 4.9 |
| Best for Travel | 6.7 | 7.4 |
| Best for DeFi Users | 5.6 | n/a |
| Best for High Spenders | 4.3 | 4.8 |
| Best for Low Fees | 7.7 | 8.6 |
| Best for Beginners | 6.5 | 7.8 |
| Best E-Money Card | n/a | 8.3 |
Product
Product status
ActiveShow source
Product status: Active
Source: Pricing plans - Deblock
Official pricing / fee schedule (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): Physical debit card
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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
Deblock is a direct VISA member
Source states (paraphrased): Deblock is a direct VISA member
Source: The debit card that will change your life - Deblock
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Deblock is a direct VISA member
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
Hybrid*Show source
Custody model: Hybrid
Euros safeguarded by the e-money institution; digital assets self-custodied
Source states (paraphrased): Semi-annual cybersecurity audits, safeguarded euros, and self-custodied digital assets.
Source: Deblock
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Euros safeguarded by the e-money institution; digital assets self-custodied
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
Tiers / plans
Standard · PremiumShow source
Tiers / plans: Standard · Premium
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Fees
Monthly fee
Free*Show source
Monthly fee: Free
Standard; Premium 10 €/month
Source states (paraphrased): Standard Free
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard; Premium 10 €/month
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
0.5%*Show source
FX fee: 0.5%
Standard, weekdays, after €500/month free FX allowance; 1% on weekends; Premium 0% always
Source states (paraphrased): Standard: 0.5% on weekdays, 1% on weekends
Source: Are there any fees for making card payments? - Deblock Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Standard, weekdays, after €500/month free FX allowance; 1% on weekends; Premium 0% always
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
Crypto conversion fee
1.99%*Show source
Crypto conversion fee: 1.99%
Standard buy/sell/swap fee; Premium 0.49%
Source states (paraphrased): Buy fee (EUR → Crypto) 1.99%
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Standard buy/sell/swap fee; Premium 0.49%
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
1% (min. €1)*Show source
ATM fee: 1% (min. €1)
Standard, after 1 free withdrawal or €100/month; Premium & Native after 5 free withdrawals or €1,000/month; ATM operators may add own surcharge
Source states (paraphrased): A 1% Deblock fee applies to the amount withdrawn, with a minimum of €1 per withdrawal
Source: What are the limits and fees for ATM withdrawals? - Deblock Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Standard, after 1 free withdrawal or €100/month; Premium & Native after 5 free withdrawals or €1,000/month; ATM operators may add own surcharge
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
€100/month*Show source
Free ATM allowance: €100/month
Standard; Premium 1,000 €/month
Source states (paraphrased): FREE ATM withdrawal amount 100€/mo
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard; Premium 1,000 €/month
€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
Free currency exchange only up to 1,000 €/month on Standard (unlimited on Premium) · Crypto buy/sell/swap fee 1.99% on Standard (0.49% on Premium)Show source
Other fees & markups: Free currency exchange only up to 1,000 €/month on Standard (unlimited on Premium) · Crypto buy/sell/swap fee 1.99% on Standard (0.49% on Premium)
Source states (paraphrased): Free currency exchange (USD, GBP, ...) 1000€/mo
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
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%
Standard plan; Premium up to 1%
Source states (paraphrased): Cashback on card payments 0%
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard plan; Premium up to 1%
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
1%*Show source
Max cashback: 1%
Premium plan (10 €/month)
Source states (paraphrased): up to 1%
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Premium plan (10 €/month)
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
Credit & financing
Credit line
No*Show source
Credit line: No
No overdraft; may be considered in the future
Source states (paraphrased): Currently, Deblock does not offer an overdraft service.
Source: Do you offer overdrafts? - Deblock Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
No overdraft; may be considered in the future
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%
Credit type
NoneShow source
Credit type: None
Source states (paraphrased): Currently, Deblock does not offer an overdraft service.
Source: Do you offer overdrafts? - Deblock Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
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): Apple & Google Pay
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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): Apple & Google Pay
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
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): Go virtual, physical or both.
Source: Deblock
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
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
Yes*Show source
Virtual card: Yes
Standard: 1 virtual card; Premium: 10
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard: 1 virtual card; Premium: 10
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
Yes*Show source
ATM withdrawals: Yes
Any ATM on the VISA network, also abroad
Source states (paraphrased): You can withdraw money from any ATM connected to the VISA network
Source: What are the limits and fees for ATM withdrawals? - Deblock Help Center
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Any ATM on the VISA network, also abroad
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%
Limits
ATM limit
€15,000*Show source
ATM limit: €15,000
Standard; Premium 30,000 €; period not stated
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Standard; Premium 30,000 €; period not stated
Security & custody
Regulation / licences
Crypto-Asset Service Provider (CASP) licensed by the AMF, no. A2025-001 · Electronic money institution licensed by the ACPR, CIB 17748Show source
Regulation / licences: Crypto-Asset Service Provider (CASP) licensed by the AMF, no. A2025-001 · Electronic money institution licensed by the ACPR, CIB 17748
Source: Pricing plans - Deblock
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 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
Deblock Card
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value-18 EUR
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