Generally, you can pay with your Wise card in most places where debit cards are accepted. This article covers where your Wise card will or won't work, how online payments work, and where you can withdraw cash.
Regions where cards will work
Which countries or regions will my card work in?
Most places in the world — see the table below for details.
Just check whether your card is a Mastercard or Visa, and check if the ATM, retail point, or online service you're using can accept your card.
Which countries or regions will my card not work in?
There are some places you won't be able to use your card.
Wise cards issued anywhere won't work here:
Afghanistan, Burundi, Central African Republic, Chad, Democratic Republic of the Congo, Republic of the Congo, Cuba, Eritrea, Iran, Iraq, Libya, North Korea, Russia, Somalia, Sudan, South Sudan, Syria, Venezuela, Yemen
This also depends on where your Wise card was issued. Check below to see where you can't use your card depending on the issuing country.
| Where your card was issued | Where your card won't work |
|---|---|
| Most places except Indonesia, Malaysia and the US | Belarus, Crimea, Donetsk and Luhansk People’s Republics (DNR and LNR), Kherson, Palestinian Territories, Zaporizhzhia |
| Indonesia | Indonesia (domestic payments) |
| Malaysia | Belarus, Myanmar |
| US personal customers | Belarus, Bolivia, Cambodia, Cote d’Ivoire, Ethiopia, Kenya, Lebanon, Nepal, Niger, Pakistan, Paraguay, Sao Tome and Principe, Sri Lanka, Tajikistan, Tanzania, Turkmenistan, Uganda, Vietnam |
Online payments
You can use your Wise card to make online payments. For some online payments, you’ll be asked to approve the payment from your Wise app, or using a code sent by SMS or call. This is called a 3D Secure (3DS) online payment and is an added level of security some websites ask for. Once you approve, your payment will go through as normal.
Some websites only accept locally issued cards. So if your online payment gets declined, that might be why.
Cash withdrawals
You can also withdraw cash from most ATMs — except the countries specified above for US and non-US cards respectively. If you don’t know of any ATM near you, just use the Mastercard ATM locator or Visa ATM locator to find one.
Be sure to check our pricing page on the latest fees, and a breakdown of how those fees work.
Canada
If you got your debit card in Canada, you can't withdraw locally from Canada. You can withdraw from international ATMs outside of Canada when you travel.
Japan
If you got your debit card in Japan, you can make payments around the world and withdraw from ATMs overseas. You also might be able to use your card at these ATMs in Japan:
AEON
Family Mart
Daily Yamazaki
Philippines
If you got your debit card in the Philippines, you can make payments around the world and withdraw from ATMs overseas. You also can use your card locally at these ATM machines in the Philippines:
BDO Unibank
Bank of the Philippine Islands
Euronet
EastWest Bank
Metrobank
Singapore
If you got your debit card in Singapore, you can't withdraw locally from Singapore. You can withdraw from international ATMs outside of Singapore when you travel.
Some ATMs may charge a third party fee. Always review the fees you see on the screen before withdrawing your cash.