<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>


What are my Wise card spending limits?

<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>
    You can replace your Wise card at any time 
    <a  target="_blank" href="https://wise.com/gb/pricing/card-fees?sourceAmount=1000&sourceCcy=GBP&targetCcy=EUR" rel="noreferrer">
      <u>for a small fee</u>
    </a>
    .
  </p>
  <h4>
    App:
  </h4>
  <ul>
    <li>
      <p>
        Go to the 
        <b>Cards</b>
         tab
      </p>
    </li>
    <li>
      <p>
        Tap on 
        <b>Replace Card</b>
      </p>
    </li>
    <li>
      <p>
        Choose the reason why you're replacing your card
      </p>
    </li>
    <li>
      <p>
        Tap on 
        <b>Replacement</b>
         
        <b>Card</b>
      </p>
    </li>
  </ul>
  <h4>
    Web:
  </h4>
  <ul>
    <li>
      <p>
        Click on 
        <b>Cards</b>
         on the left-hand side
      </p>
    </li>
    <li>
      <p>
        Select 
        <b>Replace</b>
         
        <b>card</b>
      </p>
    </li>
    <li>
      <p>
        Select one of the options on the screen
      </p>
    </li>
  </ul>
  <h4>
    You’ll see 3 options:
  </h4>
  <ul>
    <li>
      <p>
        <b>I lost my card</b>
      </p>
      <ul>
        <li>
          <p>
            If you choose this one, your card will be frozen. If you find your card, you can unfreeze it. Alternatively, you can replace your card.
          </p>
        </li>
      </ul>
    </li>
    <li>
      <p>
        <b>My card was stolen</b>
      </p>
      <ul>
        <li>
          <p>
            If you choose this option, your card will be blocked. This will stop anyone from being able to spend with your card. You won't be able to unblock your card — you'll need to order a new one.
          </p>
        </li>
      </ul>
    </li>
    <li>
      <p>
        <b>My card isn't working</b>
      </p>
      <ul>
        <li>
          <p>
            If your physical card isn't working, you can keep using your current card online or in mobile wallets such as 
            <a href="/help/articles/2935788/how-do-i-use-my-wise-card-with-apple-pay">Apple Pay</a>
             or 
            <a href="/help/articles/2977965/how-do-i-use-my-wise-card-with-google-pay">Google Pay</a>
            . It'll be blocked and cancelled only when you activate your new one.
          </p>
        </li>
      </ul>
    </li>
  </ul>
  <p>
    To replace your card, all you need to do is enter and confirm your delivery address, and your new card will be on its way.
  </p>
  <hr/>
  <h3>
    Delivery times depend on your region
  </h3>
  <table class="table table-condensed table-responsive">
  <thead>
  <tr>
  <th>Country / Region</th>
  <th>Normal Delivery Times — in Working Days</th>
  </tr>
  </thead>
  <tbody>
  <tr>
  <td>Australia</td>
  <td>7-14</td>
  </tr>
  <tr>
  <td>Brazil</td>
  <td>within 5</td>
  </tr>
  <tr>
  <td>Canada</td>
  <td>Within 14</td>
  </tr>
  <tr>
  <td>EEA</td>
  <td>Within 14</td>
  </tr>
  <tr>
  <td>Japan</td>
  <td>7-10</td>
  </tr>
  <tr>
  <td>Malaysia</td>
  <td>3-5</td>
  </tr>
  <tr>
  <td>New Zealand</td>
  <td>7-10</td>
  </tr>
  <tr>
  <td>Philippines</td>
  <td>5-7</td>
  </tr>
  <tr>
  <td>Singapore</td>
  <td>3</td>
  </tr>
  <tr>
  <td>UK</td>
  <td>2-6</td>
  </tr>
  <tr>
  <td>US</td>
  <td>14-21</td>
  </tr>
  </tbody>
  </table>
  <h4>
    What if my card expires?
  </h4>
  <p>
    If you regularly use your card, we’ll remind you to replace it before it expires, around 2 months before the expiration date. 
  </p>
  <h4>
    How do I cancel my Wise card?
  </h4>
  <p>
    We’re sorry to hear that you no longer want to use our debit card, but in order to cancel it, 
    <a  target="_blank" href="https://wise.com/help/contact" rel="noreferrer">
      <u>get in touch with us</u>
    </a>
    .
  </p>
</div>


Pricing for the Wise Multi-Currency Card

Pricing for the Wise Multi-Currency Card

Getting your Wise Multi-Currency Card

Withdrawing money from an ATM

Up to and including 100 USD per month

More than 100 USD per month

Get more for your money

Frequently asked questions

What are my Wise card spending limits?

What are the Wise card fees?

How do I replace or cancel my Wise card?