There are limits on how much you can spend with your Wise card and withdraw from ATMs.
Read here to learn about general card spending fees
For all cardholders, there are monthly limits that reset on the first day of each month. There are also daily limits that reset each day at midnight. Unless you’re a US Wise Multi-Currency cardholder, your daily limits are the same as your monthly limits.
If you change your registered address after moving to another country and order a new card, we’ll automatically update the limits for all your cards. They’ll reflect the limits that apply to your new country of residence.
You can always check your limits in the Cards tab on both app or web.
What are the limits for my country or region?
| Country | Monthly spending limit | Monthly ATM withdrawal limit |
|---|---|---|
| Australia | 52,500 AUD | 7,000 AUD |
| Brazil | 120,000 BRL | 20,000 BRL |
| Canada | 55,000 CAD | 7,000 CAD |
| EU | 30,000 EUR | 4,000 EUR |
| Japan | 4,000,000 JPY | 530,000 JPY |
| Malaysia | 170,000 MYR | 23,000 MYR |
| New Zealand | 52,500 NZD | 7,000 NZD |
| Philippines | 2,000,000 PHP | 275,000 PHP |
| Singapore | 50,000 SGD | 7,000 SGD |
| UK | 30,000 GBP | 4,000 GBP |
Japan cardholders
If your card was issued in Japan, you can’t spend more than 1,000,000 JPY with a single transaction. This limit is in addition to your monthly spending and withdrawal limits.
Philippines cardholders
If your card was issued in Philippines, you can't spend more than 500,000 PHP with a single transaction. This includes regular purchases and ATM withdrawals. Any transactions bigger than this amount will be declined.
Singapore cardholders
If your card was issued in Singapore, you can’t spend or send more than 100,000 SGD in 12 months.
Check the spending limits in Singapore
US cardholders
Your Wise Multi-Currency Card has separate limits depending on payment type, and how often you spend. There’s:
Single payment — how much you can spend or withdraw at one time
Daily — how much you can spend or withdraw in one day
Monthly — how much you can spend or withdraw in one month
Each payment type has two limits: default and maximum.
Your daily limit refreshes every day at midnight. Your monthly limit refreshes on the first day of every month.
When you first get your Wise Multi-Currency Card, we put you on our default limits.
Your account also shows you the general limit of all daily limits combined.
| Limits per transaction type | Single payment | Daily | Monthly |
|---|---|---|---|
| Chip and PIN/ mobile wallet | Default: 1,000 Max: 2,000 | Default: 1,000 Max: 2,000 | Default: 5,000 Max: 15,000 |
| ATM withdrawal | Default: 250 Max: 1,000 | Default: 250 Max: 1,000 | Default: 1,500 Max: 6,000 |
| Contactless | Default: 200 Max: 400 | Default: 500 Max: 1,000 | Default: 1,500 Max: 4,000 |
| Magnetic stripe | Default: 1,000 Max: 1,500 | Default: 1,000 Max: 1,500 | Default: 1,500 Max: 6,000 |
| Online purchase | Default: 1,000 Max: 2,000 | Default: 1,000 Max: 2,000 | Default: 2,000 Max: 15,000 |
Business customers
You have separate spending limits for your business. If your business spends more each month, you can request to increase your monthly limit.
If you’re a sole trader, your limits are the same as the limits on this page.
Can I change my limits?
Yes, you can change your spending and withdrawal limits in both the app and on our website.