We've temporarily stopped issuing cards to businesses based in the US. If you try to get a card for your US business, we'll record your request and notify you once they're available again. If you already have Wise Business cards, we've emailed you about what's changing - please check your emails.
There’s limits on the amount your team can spend with cards and withdraw from ATMs. There’s:
daily limits which reset every day at midnight
monthly limits which reset on the first day of each month
These limits apply across one business account. If one team member reaches the daily limit for ATM withdrawals, other team members won’t be able to withdraw more money from the business account until the limit refreshes at midnight.
Different limits apply to different businesses. It depends on where your business is registered and if you’re a sole trader or not.
If you’re a sole trader
Your limits are the same as a personal customer’s limits.
If you have a business but aren’t a sole trader
If your business changes its registered address after moving to another country and orders a new card, we’ll update the limits for all your cards. They’ll reflect the limits that apply to the new country.
| Where your business is registered | Monthly spending limit | Monthly ATM withdrawal limit |
|---|---|---|
| UK | 45,000 GBP | 4,000 GBP |
| EU | 45,000 EUR | 4,000 EUR |
| Japan | 6,000,000 JPY | 530,000 JPY |
| Singapore | 78,750 SGD | 7,000 SGD |
| Canada | 82,500 CAD | 7,000 CAD |
| Australia | 78,750 AUD | 7,000 AUD |
| New Zealand | 78,750 NZD | 7,000 NZD |
If your business is registered in Japan
In addition to your team’s spending and withdrawal limits, they can’t spend more than 1,000,000 JPY in a single transaction.
Change your limits
You can change your team’s spending and withdrawal limits — both in the app and on the website.
If you need to spend more than the Monthly spending limit listed in the table above, you can request for a higher monthly card spending limit in the app and on the website. You can’t currently request to increase your monthly card spending limit if you’re a sole trader (self employed).