What are the Wise card fees?

There’s a lot you can do with your Wise card, and a lot of it’s for free. We charge transparent fees for spending in currencies you don’t have in your account, and withdrawing cash after a certain amount.

Check the latest pricing here

Getting your card

We might ask you to add money to your balance or pay a small fee to get the card. You can also get a digital card for free. Learn how to get your Wise card

Spending with your card 

• If you have the currency you're spending in your account — it’s free to spend

• If you don’t have the currency you're spending in your account, there’s a conversion fee — check the latest pricing for your region

• If you’re spending online, the seller might try to charge their own conversion fee. This could happen even if you have the other currency in your account. To avoid this, ask the seller to charge you in the currency you want

Belarus

Because of the ongoing sanctions and recent developments in the region, the National Bank of the Republic of Belarus now requires all card transactions to use a conversion rate set by them for BYN payments. This means that we can no longer use the mid-market rate to calculate fees when you spend or withdraw money with your Wise card in Belarus. Instead, we’re now using the rate set by the National Bank. Change is in effect from 16 May 2022, and only affects BYN payments.

Withdrawing cash from an ATM

Each calendar month, you get 2 free withdrawals and a free withdrawal allowance up to a certain amount depending on where your card was issued.

Learn more about ATM fees

If you have a Brazil-issued card, smart conversion won’t work when the BRL balance is involved.

Replacing your card 

If you need to replace your card, you might need to pay a small fee. It helps us cover the cost of getting a new card made and delivered to you.

Topping up e-wallets

Topping up your e-wallet — or other external accounts that may be convertible into cash, such as casino chips, cryptocurrencies and lottery tickets — can incur a 2% fee.

This fee applies to transactions not in one of these currencies:

• Visa: AUD, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, MXN, MYR, NOK, NZD, PLN, RON, SEK, SGD, TRY, USD

• Mastercard: AUD, CAD, CHF, EUR, GBP, HUF, JPY, NZD, PLN, SGD, USD