'Spend with others', also known as Group Spending or groups, is a way for you to spend with others on your personal Wise Account.
You can do this by sending an invite to another Wise user you want to share your expenses with, such as a family member, friend, partner, roommate, or anyone else.
It's available for personal customers in Australia, the EU, New Zealand, Singapore, Switzerland, and the UK.
How does 'Spend with others' work?
'Spend with others' is different from a joint account — it works as a third-party account access.
'Spend with others' has one owner who controls the access and money, with one or more members, while a joint account has two owners who share the account rights equally.
Currently, you can only use 'Spend with others' with someone who lives in the same country or region as you.
Read more on the Terms and Conditions here:
Roles and Permissions
'Spend with others' includes two parties — the Owner and the Member.
The Owner sets up 'Spend with others' and has full control over the money in the group, even if the money is added in by a group Member.
A Member joins a group by an invite from the Owner. Members have permissions set by the owner, such as if they can order a digital card.
Both owners and members can spend money and see all transactions in the group.
The Owner legally owns all the money contributed to the group. This means when the Member adds money to the group, they can only spend it from the group — they won't be able to move it to their own Wise account.
| Permissions | Owner | Members |
|---|---|---|
| Spend with a new digital card | ✔️ | ✔️ |
| See all transactions | ✔️ | ✔️ |
| Add money | ✔️ | ✔️ |
| Send money | ✔️ | ❌ |
| Withdraw money | ✔️ | ❌ |
| Convert money | ✔️ | ❌ |
| Manage group and members | ✔️ | ❌ |
Spending limits
Card spending limits apply on an individual basis. This means that card transactions made by the Owner are counted as part of the Owner’s card spending limits, and card transactions made by the Member are counted as part of the Member’s card spending limits.
Read about Wise card spending limits
Adding or removing members
How do I set up 'Spend with others' as an Owner?
On either the app or web home screen:
Select New (or the + icon in iOS) — you might have to scroll to the far right
Select Spend with a group
Follow the instructions
The person you want to add needs to have a Wise account. You can add them using their name, Wisetag, email address, or phone number.
How many people can be in a group?
If you're registered in the EU, you can only have two people in a group
In all other regions, you can have up to five people in a group
How can I remove someone from a Spending Group?
If you're the Owner, you can simply remove the Member from the group's Sharing option.
How can I be added as a Member?
Make sure that you're searchable in Wise. To do this:
Go to your profile from the top of the screen
Under Privacy, go on Find me by and toggle your preferred methods
You can change these settings any time, even after you join a group.
If you've already been invited, just open the invite and review the details — accept it if you agree to join the group. You can also order your digital card during this review.
Never accept invites from people you don’t know.
Can I remove myself from 'Spend with others' Group?
Yes, just go into the group, click on the three dots in the upper right, and select ‘Leave group’.
If you leave the group as a Member:
you'll no longer have access to the money in the group
your digital card will be cancelled
If you leave the group as the Owner, move all the money back to your personal balance before you close the group.
How many groups can I join?
You can be a part of up to two groups.
How are my holding and spending limits calculated if I live in Singapore?
As an Owner:
Amounts in the group balances will be counted as part of the Owner’s Wise account holding limit.
All sending and spending from the group balances will be subject to the Owner’s Wise account yearly sending and spending limit.
As a Member:
If you are adding funds to a group balance via your personal Wise account, this amount counts towards your yearly sending and spending limit.
If you are adding funds to a group balance via an external account (such as your bank account or your bank’s card), this does not count towards your Wise account’s yearly sending and spending limit.
Read about holding limits if you live in Singapore
Read about sending and spending limits if you live in Singapore
How can I report a fraudulent Wise card payment?
If the Owner or any Member doesn't recognise a transaction, the person who made the transaction must file the dispute.
The Owner is the sole beneficiary of the balances which means that:
Members can't file disputes for transactions made by the Owner or other Members.
Owners can't dispute transactions made by Members as you've given them permission to make purchases with the money in the group.
Learn more about filing disputes
What if I need to make a complaint?
Both Owners and Members can file complaints.