Card Overview
Wise Card is a multi-currency Visa debit card offering transparent mid-market exchange rates across 50+ currencies in 50+ countries. Hold, convert, and spend in multiple currencies with IBAN, SWIFT, and SEPA support. While not crypto-native, Wise supports crypto top-ups through select integrations and offers one of the most transparent FX fee structures available.
This is a Visa crypto card. Available to US residents. Available in the UK.
Fees & Limits
| Issuance Fee | GBP 7 / EUR 7 / USD 9 |
|---|---|
| Annual Fee | Free |
| FX Fee | 0.33-3.5% (mid-market rate with transparent fee; varies by currency pair) |
| ATM Limit | GBP 400/day |
| Spending Limit | Based on balance |
Core Features
- Card Type: Virtual + Physical
- Top up with: Bank transfer, debit/credit card, Apple Pay, Google Pay (50+ currencies)
- Available Countries: United States, United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Australia, Brazil, Canada, India, Indonesia, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand
Supported Cryptocurrencies
The Wise Card allows you to top up and spend using various cryptocurrencies. Your crypto is automatically converted to local fiat at the point of sale.
Supported assets: Bank transfer, debit/credit card, Apple Pay, Google Pay (50+ currencies)
Who Is the Wise Card Best For?
The Wise Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
It is a solid option for anyone looking to bridge their crypto holdings with day-to-day payments at millions of merchants worldwide.
The card is currently available in Global — ideal for residents and frequent travellers in those areas.
Best for
- Users who want a simple, app-managed crypto card experience
- US residents looking for a crypto-native spending card
Avoid if
- You primarily want a card that earns cashback rewards
- You require full non-custodial control of your funds at all times
- You're based in Europe — this card targets US users
- You need traditional bank integration (IBAN, SEPA, direct debits)
Compare the Wise Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Key Strengths & Considerations
Strengths
- Multi-currency account with 50+ currencies; transparent mid-market FX rates; IBAN/SWIFT/SEPA; available in 50+ countries
- No annual maintenance fee
- Accepted at 80 million+ Visa merchants worldwide
- Available in most countries globally
- Virtual card available instantly — no shipping required
Considerations
- Not primarily a crypto card; 0.33-3.5% FX varies by pair; issuance fee; no cashback
- Card issuance fee: GBP 7 / EUR 7 / USD 9
- Custodial product — funds held by the issuer
- KYC identity verification required to activate
How to Get the Wise Card
Getting started with the Wise Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Create a Wise account
~5 minutesVisit the official Wise website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Complete KYC verification
1–3 business daysSubmit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Wise processes applications in line with AML and KYC regulations.
Fund your card
Usually instantOnce verified, top up your card balance using Bank transfer, debit/credit card, Apple Pay, Google Pay (50+ currencies) via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Start spending immediately
InstantYour virtual Wise Card is available immediately in the Wise app. Use it for online purchases, or add it to Apple Pay or Google Pay for in-store contactless payments.
Requirements
Regional Availability
Available Worldwide
The Wise Card is available to users in the majority of countries worldwide. Minor exceptions may apply due to local financial regulations. Always confirm current availability on the Wise website before applying.
Available in major markets including:
Frequently Asked Questions
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