Wise Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and 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 | For UK residents withdrawals are free up to 250 GBP a month, then 2.69% on the amount above thatThe fine print
|
| Spending limit | Based on balance |
Fees change; the current ones are in Wise’s terms.
Features
- KYC: Yes
- 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…
Full list
… 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
Who issues the Wise Card
The Wise Card is issued by Wise Payments Limited, UK (FCA FRN 900507) (Electronic money institution (EMI)). The issuer is named in the source linked below.
Primary source · All cards issued by Wise Payments Limited · Why the issuer matters
Pros and cons
Pros
- Multi-currency account with 50+ currencies; transparent mid-market FX rates; IBAN/SWIFT/SEPA; available in 50+ countries
- No annual maintenance fee
Cons
- 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
Regional availability
Available in 44 countries
The Wise Card is available in 44 countries: United States, United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece and 30 more.
Banking and fiat rails
Card overview
Wise is a fiat multi-currency debit card, not a crypto card. There is no crypto custody here, no top-up with tokens, and nothing to spend on-chain. I am including it only because some exchange checkouts will accept a Wise card as a fiat on-ramp, and even that is region-dependent and can be declined. Treat it as a funding card, not a spending card for crypto.
What it does: it holds 40+ fiat currencies and converts at the mid-market rate plus a conversion fee that varies by pair, from about 0.33% on common ones up to 3.5% on the most exotic. It works anywhere Visa is accepted. US issuance is a one-time $9, with no monthly or annual fee. UK residents withdraw up to 250 GBP a month free at ATMs, then pay 2.69% on the amount above that, and ATM operators may add their own fees.
Availability is wide: USA (except Nevada), UK, EEA plus Switzerland, Australia, Brazil, Canada, Japan, Malaysia, New Zealand, Philippines and Singapore, open to personal applicants.
- Best fit
- travelers and multi-currency earners who want the cheapest fiat FX and low ATM fees
- Wrong card if
- you came here for crypto custody or on-chain spending, because Wise does neither
Common questions about the Wise Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
