How do I activate my Wise card?

For most customers, there's no separate activation step for your Wise card — you just need to make your first payment using Chip and PIN.

For some regions though there are specific instructions, so check the relevant sections below for more info.

What if my Chip and PIN payment gets declined?

If your Chip and PIN payment gets declined, you can activate your card at an ATM by doing a balance inquiry or cash withdrawal.

You can use the Mastercard ATM locator or Visa ATM locator to find an ATM near you.

For Canada or Singapore cardholders, if you're trying to activate your card at an ATM, you won't be able to make a cash withdrawal. Try a Chip and PIN payment or choose a balance inquiry in order to activate your card.

For Brazil cardholders, balance inquiries aren't supported. Try a Chip and PIN payment or cash withdrawal at an ATM instead.

Australia, Japan, New Zealand, Philippines, Singapore, or US cardholders

If your card was issued in one of these countries, you can activate it by using the 6-digit PIN we provide you.

For cards issued from Australia, Japan, New Zealand, Philippines, or Singapore you can also activate your card by making a Chip and PIN payment. If the Chip and PIN payment fails, you can withdraw money or check your balance at an ATM to activate it.

• Australia and New Zealand cardholders — if you ordered your card before 18 Sep 2024, you won't have a 6-digit activation PIN. You can only activate your card using Chip and PIN, or at an ATM.

• Singapore cardholders — if you ordered your card before 20 Aug 2024, you won't have a 6-digit activation PIN. You can only activate your card using Chip and PIN or at an ATM.

• US cardholders — if you ordered your card after 31 January 2024, you can activate your card from anywhere in the world. US cards ordered before this can only be activated from inside the US.

How do I activate my card with the 6-digit PIN?

1. Go to the Card tab

2. If you have other Wise cards, you may need to swipe to the right to select your new card.

3. Choose Activate your card

4. Enter the 6-digit code that’s on the paper letter that your card came attached to.