United Arab Emirates dirham

Afghanistan afghani

Albanian lek

Armenian dram

Netherlands Antillean guilder

Angolan kwanza

Argentine peso

Australian dollar

Aruban florin

Azerbaijani manat

Bosnia and Herzegovina convertible mark

Barbadian dollar

Bangladeshi taka

Bulgarian lev

Bahraini dinar

Burundian franc

Bermudian dollar

Brunei dollar

Bolivian boliviano

Brazilian real

Bahamian dollar

Bhutanese ngultrum

Botswana pula

Belarusian ruble

Belizean dollar

Canadian dollar

Congolese franc

Swiss franc

Chilean peso

Chinese yuan

Colombian peso

Costa Rican colón

Cuban Convertible peso

Cuban peso

Cape Verdean escudo

Czech koruna

Djiboutian franc

Danish krone

Dominican peso

Algerian dinar

Egyptian pound

Eritrean nakfa

Ethiopian birr

Euro

Fijian dollar

Falkland Islands pound

British pound

Georgian lari

Guernsey pound

Ghanaian cedi

Gibraltar pound

Gambian dalasi

Guinean franc

Guatemalan quetzal

Guyanese dollar

Hong Kong dollar

Honduran lempira

Haitian gourde

Hungarian forint

Indonesian rupiah

Israeli shekel

Isle of Man pound

Indian rupee

Iraqi dinar

Iranian rial

Icelandic króna

Jersey pound

Jamaican dollar

Jordanian dinar

Japanese yen

Kenyan shilling

Kyrgyzstani som

Cambodian riel

Comorian franc

North Korean won

South Korean won

Kuwaiti dinar

Cayman Islands dollar

Kazakhstani tenge

Lao kip

Lebanon Pound

Sri Lankan rupee

Liberian dollar

Lesotho loti

Libyan dinar

Moroccan dirham

Moldovan leu

Malagasy ariary

Macedonian denar

Myanmar kyat

Mongolian tugrik

Macanese pataca

Mauritanian ouguiya

Mauritian rupee

Maldivian rufiyaa

Malawian kwacha

Mexican peso

Malaysian ringgit

Mozambican metical

<div>
  <p>
    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 
    <a href="/help/articles/2935778/what-if-i-spend-money-in-a-currency-that-i-dont-have-in-my-account">currencies you don’t have in your account</a>
    , and withdrawing cash after a certain amount. 
  </p>
  <p>
    <a  target="_blank" href="https://wise.com/pricing" rel="noreferrer">
      Check the latest pricing here
    </a>
  </p>
  <hr/>
  <h3>
    Getting your card
  </h3>
  <p>
    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. 
    <a href="/help/articles/2935762/how-do-i-get-a-wise-card">Learn how to get your Wise card</a>
  </p>
  <h3>
    Spending with your card 
  </h3>
  <ul>
    <li>
      <p>
        If you have the currency you're spending in your account — it’s free to spend
      </p>
    </li>
    <li>
      <p>
        If you don’t have the currency you're spending in your account, there’s a 
        <a href="/help/articles/2596980/how-can-i-convert-money">conversion fee</a>
         — check the latest 
        <a  target="_blank" href="https://wise.com/pricing" rel="noreferrer">
          pricing
        </a>
         for your region
      </p>
    </li>
    <li>
      <p>
        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
      </p>
    </li>
  </ul>
  <h5>
    Belarus
  </h5>
  <p>
    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 
    <b>Belarus</b>
    . 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. 
  </p>
  <h3>
    Withdrawing cash from an ATM
  </h3>
  <p>
    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.
  </p>
  <p>
    <a href="/help/articles/2935769/how-much-does-it-cost-to-withdraw-cash">Learn more about ATM fees</a>
  </p>
  <p>
    If you have a Brazil-issued card, 
    <a href="/help/articles/2oXQxOw2uAtpipyzMHQyaT/wise-cards-in-brazil">smart conversion won’t work</a>
     when the BRL balance is involved.
  </p>
  <h3>
    Replacing your card 
  </h3>
  <p>
    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.
  </p>
  <h3>
    Topping up e-wallets
  </h3>
  <p>
    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.
  </p>
  <p>
    This fee applies to transactions 
    <b>not</b>
     in one of these currencies:
  </p>
  <ul>
    <li>
      <p>
        <b>Visa</b>
        : AUD, BRL, CAD, CHF, CZK, DKK, EUR, GBP, HKD, HUF, JPY, MXN, MYR, NOK, NZD, PLN, RON, SEK, SGD, TRY, USD
      </p>
    </li>
    <li>
      <p>
        <b>Mastercard</b>
        : AUD, CAD, CHF, EUR, GBP, HUF, JPY, NZD, PLN, SGD, USD
      </p>
    </li>
  </ul>
  <p>
  </p>
</div>


What are the Wise card fees?

<div>
  <p>
    Expense cards: 
    team members with permission to order their business debit card can
     get a Wise Business debit card to spend directly from your account.
  </p>
  <p>
    Spending limits: set a daily and monthly limit for each team member. They can see their own limits when they log in but won’t be able to see any other info about your account or finances – unless you authorise them to do so.
  </p>
  <p>
    Spending control: 
    team members with permission to set team members’ card spending limits can 
     manage ATM withdrawals and digital expense cards for even greater control of team spending.
  </p>
  <p>
    Block spending: 
    team members with permission to set team members’ card spending limits
     can temporarily block individual team members’ spending for tighter control of the business’ cash flow.
  </p>
  <p>
    <a  rel="noreferrer" href="https://wise.com/help/articles/2Vr19eeXMm2jq7YEXNDV80/how-much-can-my-team-spend-with-wise-business-cards" target="_blank">
      Learn more about how much your team can spend with Wise Business debit cards.
    </a>
    <br>
  </p>
</div>


How can I control my team spending?

<div>
  <p>
    There are limits on how much you can spend with your Wise card and withdraw from ATMs.
  </p>
  <p>
    <a href="/help/articles/2934551/how-much-are-spending-fees">Read here to learn about general card spending fees</a>
  </p>
  <p>
    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.
  </p>
  <p>
    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. 
  </p>
  <p>
    You can always check your limits in the 
    <b>Cards</b>
     tab on both app or web.
  </p>
  <h3>
    What are the limits for my country or region?
  </h3>
  <p>
    <b>Japan cardholders</b>
  </p>
  <p>
    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. 
  </p>
  <p>
    <b>Philippines cardholders</b>
  </p>
  <p>
    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.
  </p>
  <p>
    <b>Singapore cardholders</b>
  </p>
  <p>
    If your card was issued in Singapore, you can’t spend or send more than 100,000 SGD in 12 months.
  </p>
  <p>
    <a href="/help/articles/2978043/holding-limits-if-you-live-in-singapore">Check the spending limits in Singapore</a>
  </p>
  <p>
    <b>US cardholders</b>
  </p>
  <p>
    Your Wise Multi-Currency Card has separate limits depending on payment type, and how often you spend. There’s:
  </p>
  <ul>
    <li>
      <p>
        Single payment — how much you can spend or withdraw at one time
      </p>
    </li>
    <li>
      <p>
        Daily — how much you can spend or withdraw in one day
      </p>
    </li>
    <li>
      <p>
        Monthly — how much you can spend or withdraw in one month
      </p>
    </li>
  </ul>
  <p>
    Each payment type has two limits: 
    <b>default</b>
     and 
    <b>maximum</b>
    . 
  </p>
  <p>
    Your daily limit refreshes every day at midnight. Your monthly limit refreshes on the first day of every month.
  </p>
  <p>
    When you first get your Wise Multi-Currency Card, we put you on our default limits.
  </p>
  <p>
    Your account also shows you the general limit of all daily limits combined.
  </p>
  <table class="table table-striped table-condensed table-responsive">
  <thead>
  <tr>
  <th>Limits per transaction type</th>
  <th>Single payment</th>
  <th>Daily</th>
  <th>Monthly</th>
  </tr>
  </thead>
  <tbody>
  <tr>
  <td>Chip and PIN/ mobile wallet</td>
  <td>Default: 1,000 Max: 2,000</td>
  <td>Default: 1,000 Max: 2,000</td>
  <td>Default: 5,000 Max: 15,000</td>
  </tr>
  <tr>
  <td>ATM withdrawal</td>
  <td>Default: 250 Max: 1,000</td>
  <td>Default: 250 Max: 1,000</td>
  <td>Default: 1,500 Max: 6,000</td>
  </tr>
  <tr>
  <td>Contactless</td>
  <td>Default: 200 Max: 400</td>
  <td>Default: 500 Max: 1,000</td>
  <td>Default: 1,500 Max: 4,000</td>
  </tr>
  <tr>
  <td>Magnetic stripe</td>
  <td>Default: 1,000 Max: 1,500</td>
  <td>Default: 1,000 Max: 1,500</td>
  <td>Default: 1,500 Max: 6,000</td>
  </tr>
  <tr>
  <td>Online purchase</td>
  <td>Default: 1,000 Max: 2,000</td>
  <td>Default: 1,000 Max: 2,000</td>
  <td>Default: 2,000 Max: 15,000</td>
  </tr>
  </tbody>
  </table>
  <p>
    If you have a business account, you have 
    <a href="/help/articles/2Vr19eeXMm2jq7YEXNDV80/how-much-can-my-team-spend-with-wise-business-cards">separate spending limits</a>
     for your business. 
  </p>
  <h3>
    <b>Can I change my limits?</b>
  </h3>
  <p>
    Yes, you can 
    <a href="/help/articles/2977986/how-do-i-change-my-spending-limits">change your spending and withdrawal limits</a>
     in both the app and on our website.
  </p>
</div>


Pricing for the Wise Multi-Currency Card

Pricing for the Wise Multi-Currency Card

Manage expenses with ease

Withdrawing money from an ATM

Up to and including 100 USD per month

More than 100 USD per month

Save money on your business spending

Frequently asked questions

What are the Wise card fees?

How can I control my team spending?

What are my Wise card spending limits?