We’ve temporarily paused issuing new Wise cards to customers in the US. Learn more here and join the waitlist.
If you already have a Wise card or you’re not located in the US, you're not impacted by this change.
The Wise card lets you spend money around the world with low conversion fees and zero transaction fees.
It’s currently available for Wise account-holder residents in Australia, Brazil, Canada, the EEA (European Economic Area), Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, and the United Kingdom.
For UK or EEA residents, you can now get a Wise Eco card.
Here are some tips to help you get started:
Activate your card immediately
Add money to your Wise account
View your card details on the app or website
Leave the conversion to us
Always choose the local currency
Free ATM withdrawals
Check the sections below for more info.
1. Activate your card
Japan cardholders
If your card was issued in Japan after the 27th of March 2023, you can activate it by using the 6 digit PIN we give you with your card.
From your Wise account go to Card
Select Activate Now
Enter the 6-digit code that’s on the letter your card came attached to.
If your card was issued in Japan before the 27th of March 2023, you can activate it by entering your 4 digit pin when you check your balance from the following 3 ATM providers: Aeon, E-net, and Daily Yamazaki.
Make sure to select "international cards" if prompted by the ATM.
US and Philippines cardholders
To activate your card go to your Wise account in the app or website, and enter the 6-digit code that’s on the letter that came with your card.
Once activated, you can use your card any time as long as you have money in your account.
Learn more about activating your card
All other cardholders
You just need to pay using your PIN to activate your card. If the Chip and PIN payment gets declined, please use the card at an ATM for either cash withdrawal or balance enquiry.
If you are trying to activate your card in Canada or Singapore, you won’t be able to make a cash withdrawal at local ATMs. Please choose balance enquiry in order to activate your card.
Balance enquiry is not supported for cards issued in Brazil. Please try a Chip and PIN payment or cash withdrawal at an ATM instead.
2. Add money to your Wise account
To pay with your card, you’ll need money in your Wise account.
Add money by opening the Wise app, choosing the currency you want to add money to, and how much you’d like to add. Then, choose to pay using different payment methods such as bank transfer or card.
Learn more about adding money to your Wise account
3. View your card details on the app or website
For non-US issued cards, you can see your card number, expiry date, and CVV any time on the app or website.
For cards issued in the US, you can set your own PIN when you activate your card. Cards issued in the US can only be activated in the US. Card details are available in the app after activation, so it's important to complete this before going abroad.
For cards issued in Brazil, you may have a secondary card number that we'll automatically use to help your card payments go through.
Once you have your card details, you can start using them online or add them to a mobile wallet such as Apple Pay or Google Pay.
Learn more about checking your card details
Billing address
The address you have on your profile is the one that should be used as the billing address, so should you be asked about this when purchasing something online, this is the information you need to provide.
If you change your profile address you'll also have to update the billing address for online purchases.
4. Leave the conversion to us
If you spend money in a currency you already have in your balances, we’ll deduct the amount for free.
If you don’t have the currency in your account, we’ll automatically convert the amount for you. We’ll take it from whichever available balance has the cheapest conversion fee. So there’s no need to worry about converting money before travelling.
For Brazil cardholders
Keep in mind that the smart conversion will not work for Brazilian cards when the BRL account is involved.
If you want to use your card in Brazil, you need to have money on your Brazilian Real balance.
If you want to use your card abroad, you need to have money on any other balance.
If you try to spend in a currency that you don’t have and BRL is the only available currency, the transaction will be declined due to insufficient funds.
Learn more about spending in currencies that you don't have in your account
The Wise Business physical or digital card is not currently available for Brazilian businesses.
5. Always choose the local currency
Sometimes, ATMs, shops, and online stores are sneaky — they try to charge you more when you withdraw cash or buy something abroad. They do it by offering to charge you in your home currency, then marking up the exchange rate.
Avoid these hidden fees by always choosing to be charged in the local currency of where you are.
6. Free ATM withdrawals
You get 2 free withdrawals per calendar month. From the third withdrawal, we’ll charge you the fixed fee applicable in your region, regardless of how much money you've withdrawn that month.
You also get a free withdrawal allowance each calendar month. This is the amount you can take out without paying a variable rate. We’ll charge you a variable rate if you go over your free allowance, regardless of how many withdrawals you made that month.
If the ATM asks you for a 6-digit PIN, always use your 4-digit PIN as you normally would.