CL Card (Ledger) vs Wise Card
Crypto native
E-money / FinTech
Verdict
- Wise Card scores higher overall (6.9 vs 6.0 out of 10).
- CL Card (Ledger) is clearly stronger on: Cashback & rewards, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
CL Card (Ledger) is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Cashback & rewards, Credit & financing
Wise Card is a good fit for
- Frequent travellers
Score by criterion
| Criterion | CL Card (Ledger) | Wise Card |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 24 | 12 |
| Availability | 100 | 100 |
| FX & international | – | 83 |
| Product features | 70 | 70 |
| Custody & security | 75 | 75 |
| Credit & financing | 75 | 30 |
| Limits & ATM | – | 51 |
| Transparency | 86 | 86 |
| Best for Cashback | 4.6 | 4.9 |
| Best for Travel | n/a | 7.4 |
| Best for DeFi Users | 6.0 | n/a |
| Best for High Spenders | 4.5 | 4.8 |
| Best for Low Fees | n/a | 8.6 |
| Best for Beginners | 7.0 | 7.8 |
| Best Crypto Credit Card | 6.5 | n/a |
| Best E-Money Card | n/a | 8.3 |
Product
Product status
ActiveShow source
Product status: Active
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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): Securely fund your debit card via Ledger Wallet™.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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
Stated for the US card only
Source states (paraphrased): The VISA debit card offered in the US is in partnership with Cross River Bank, Member FDIC
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Stated for the US card only
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
CustodialShow source
Custody model: Custodial
Source states (paraphrased): Once you transfer funds from your wallet to the card, they are no longer under self-custody.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
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
Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com LtdShow source
Card issuer / program manager: Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com Ltd
Source states (paraphrased): The Crypto Life Platform is provided by Frozen Time Unipessoal LDA
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
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
Currency not stated on the page
Source states (paraphrased): Free virtual card
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Currency not stated on the page
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
3.49% fee on withdrawals to own bank account · Physical card delivery fee may apply · Replacement card fees may apply · Liquidation fee percentage applied when calculating available balanceShow source
Other fees & markups: 3.49% fee on withdrawals to own bank account · Physical card delivery fee may apply · Replacement card fees may apply · Liquidation fee percentage applied when calculating available balance
Source states (paraphrased): The fee is 3.49% of the total amount you request to withdraw.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
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
1%*Show source
Base cashback: 1%
Calculated monthly on all card spend
Source states (paraphrased): 1% in BTC or USDC (US) / BTC or USDT (elsewhere).
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Calculated monthly on all card spend
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
2%*Show source
Max cashback: 2%
If cashback is paid in BXX (Baanx token)
Source states (paraphrased): or a 2% reward if you choose BXX
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
If cashback is paid in BXX (Baanx token)
Cashback paid in
BTC, USDT or BXXShow source
Cashback paid in: BTC, USDT or BXX
Source states (paraphrased): currently available in BTC, USDT, and BXX
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 75%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
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
Cashback conditions
Choose the cashback asset first · Calculated on all monthly card transactions and paid at the end of each monthShow source
Cashback conditions: Choose the cashback asset first · Calculated on all monthly card transactions and paid at the end of each month
Source states (paraphrased): At the end of each month, you will receive your reward for the total amount of card transactions.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Staking / holding required for top rewards
NoShow source
Staking / holding required for top rewards: No
Source states (paraphrased): No staking required.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Reward exclusions
Transactions funded by CryptodraftShow source
Reward exclusions: Transactions funded by Cryptodraft
Source states (paraphrased): excluding transactions funded by Cryptodraft
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Optional; rates depend on country of residence
Source states (paraphrased): You can also choose to use your crypto as collateral. Access smart credit lines with rates starting at 0% depending on your country of residence
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Optional; rates depend on country of residence
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
Crypto-backed credit*Show source
Credit type: Crypto-backed credit
Optional credit line
Source states (paraphrased): You can also choose to use your crypto as collateral.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Optional credit line
Collateral assets
BTC · ETH*Show source
Collateral assets: BTC · ETH
Cryptodraft and Stableloan collateral; BXX usable as collateral for stablecoin borrowing (max 10% LTV)
Source states (paraphrased): BTC or ETH.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cryptodraft and Stableloan collateral; BXX usable as collateral for stablecoin borrowing (max 10% LTV)
Max loan-to-value
60%*Show source
Max loan-to-value: 60%
Cryptodraft
Source states (paraphrased): spend up to 60% of your collateral value as credit spent on your card
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Cryptodraft
Interest notes
Cryptodraft: first 10% spent interest-free, remaining 50% at 1% monthly percentage rate (MPR); higher interest-free LTV with staked BXXShow source
Interest notes: Cryptodraft: first 10% spent interest-free, remaining 50% at 1% monthly percentage rate (MPR); higher interest-free LTV with staked BXX
Source states (paraphrased): The first 10% you spend is interest-free, while the remaining 50% is subject to a 1% monthly percentage rate (MPR).
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Liquidation risk
Yes*Show source
Liquidation risk: Yes
Stableloan when LTV significantly exceeds agreed LTV
Source states (paraphrased): we may liquidate part or all of your collateral
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Stableloan when LTV significantly exceeds agreed LTV
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): Spend your crypto or use it as collateral
Source: Card program
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
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%
Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Page only says crypto can be used as collateral; no credit terms given
Source states (paraphrased): Spend your crypto or use it as collateral
Source: Card program
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 60%
Page only says crypto can be used as collateral; no credit terms given
Availability
Available in
EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil*Show source
Available in: EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, Brazil
Per Ledger shop FAQ; other Ledger pages list fewer regions
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Per Ledger shop FAQ; other Ledger pages list fewer regions
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): Use your card with Apple Pay and Google Pay.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 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): Use your card with Apple Pay and Google Pay.
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 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): To order a physical card, you may be required to pay a delivery fee.
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
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): Free virtual card
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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): Withdraw local currencies at ATMs worldwide
Source: CL Card compatible with Ledger
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%
Spendable assets
BTC · ETH · SOL · Stablecoins*Show source
Spendable assets: BTC · ETH · SOL · Stablecoins
Top-up assets ('and more'); converted to fiat at purchase
Source states (paraphrased): Fund your card quickly and easily with BTC, ETH, SOL, stablecoins and more
Source: CL Card compatible with Ledger
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Top-up assets ('and more'); converted to fiat at purchase
Blockchains
Bitcoin · Litecoin · XRP · Ethereum · Solana*Show source
Blockchains: Bitcoin · Litecoin · XRP · Ethereum · Solana
Solana only for receiving SOL; Layer 2 networks not supported
Source states (paraphrased): the main blockchains of Bitcoin, Litecoin, XRP, Ethereum and Solana* are supported for receiving and sending crypto funds
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Solana only for receiving SOL; Layer 2 networks not supported
Security & custody
Regulation / licences
Frozen Time Unipessoal LDA: registered by Banco de Portugal for crypto-asset services · baanx.com Ltd: FCA-authorised for crypto-asset servicesShow source
Regulation / licences: Frozen Time Unipessoal LDA: registered by Banco de Portugal for crypto-asset services · baanx.com Ltd: FCA-authorised for crypto-asset services
Source states (paraphrased): registered by Banco de Portugal to provide Crypto Asset Services
Source: Crypto Life FAQs | Your Questions Answered
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
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
CL Card (Ledger)
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+180 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