We’ll show you the available payment methods when you’re paying for your transfer. For most currencies, you can pay using your debit or credit card.
We only accept Visa, Mastercard, and some Maestro cards. Your card has to have a 16-digit card number, an expiry date and 3D security enabled. We don't accept American Express (AMEX) cards.
We currently can’t accept payments from:
Payment cards not in your name or your business' name
US-issued cards, if the address on your Wise account is outside the US, and if you're paying with a Visa card
All cards issued in Afghanistan, Burundi, Belarus, Democratic Republic of the Congo, Central African Republic, Congo, Cuba, Eritrea, Iraq, Iran, North Korea, Lebanon, Libyan Arab Jamahiriya, Palestinian Territory, Russia, Sudan, Somalia, South Sudan, Syrian Arab Republic, Chad, Venezuela, Yemen, Nigeria, Myanmar
Prepaid cards from the UAE, or international payments from an AED currency card
Credit cards issued in Singapore
Any card when you're paying for MYR transfers or balance top ups
Any card if your address is in Türkiye
Cards issued in India with certain card networks — due to Indian regulatory requirements, they may not be able to make payments outside India
Wise cards — send money from your balance instead
Visa cards issued in Ukraine
How much does it cost to pay with my card?
We’re always up front about our fees, check our pricing page to see what you’d be charged if you paid with your card.
Keep in mind, paying with a credit card or business card means you’ll be charged a higher fee — it costs us more to process them.
Your bank might charge some extra fees while paying by card - please read more here.
Paying by card for your business transfers
If you’re paying for a transfer on your Wise Business account, make sure you pay using your business card. You can’t pay for business payments from a personal bank account.
International card payments
An international card payment means you paid using a card which was issued in a different country from the currency you're paying in. For example, you paid EUR from your card that was issued in Canada.
When you pay with an international card, you’ll be charged more fees. We have to charge a higher fee because it costs us more to process them. And your bank might charge a fee to convert your money for you too.
If you’re paying a currency from the EEA, using your EEA issued card, you won’t be charged international card fees.
Unsuccessful card payments
When your card payment fails, we’ll show you an error message. Here are common reasons why a card payment might fail.
Cancelling your card payment
If you need to cancel a transfer that was paid for with your debit or credit card, find the transfer in the Activity section of your account, and select Cancel transfer.
Once cancelled, debit card refunds can take up to 10 working days to process, but are usually back in your account in 2–5 working days. You can only cancel uncompleted transactions.