HOW MUCH DOES THE WISE CARD COST?

Physical card costs 7 GBP / 7 EURO one-time. Virtual cards are free. No monthly fees.

WHAT CURRENCIES CAN I HOLD?

40+ currencies including GBP, EUR, USD, AUD, CAD, CHF, JPY, and more.

DOES WISE PROVIDE IBAN?

Yes, you can get local bank details for 24+ currencies including GBP (UK), EUR (SEPA), and USD (US).

WISE CARD

Status: Active

Issued by WISE

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WISE CARD

Card Overview

Custody Type

CUSTODIAL

Card Type

VIRTUAL AND PHYSICAL CARD

Material

Virtual

KYC

Standard

Learn about the WISE Crypto Card, including cashback, fees, limits, key features, supported countries, card tiers, KYC requirements, Pros & Cons, and FAQs.

Pros

No foreign transaction fee markup (mid-market rate)

Real exchange rates with low conversion fees

Up to 3 virtual digital cards

IBAN accounts for 22 currencies

Physical card with freeze/unfreeze feature

Over 14.8 million customers globally

Free ATM withdrawals up to £250/€250/$250 per month

Available in 160+ countries

Optional yield: UK/EEA 3.25% GBP, 3.39% USD, 1.98% EUR (Wise Assets + BlackRock). US 3.14% USD (FDIC).

Safeguarded funds (18.1B GBP) in government bonds & money market funds

Smart Conversion auto-selects cheapest currency to convert from

Cons

No cryptocurrency support

Blocks transfers to crypto exchanges

Physical card issuance fee: 7 GBP / 7 EUR / 9 USD

ATM fees after free allowance (1.95-2.69%)

Custodial (Wise holds your funds)

2% fee on e-wallet top-ups (certain currencies exempted)

Not available to Nevada (US) residents

Only 1 physical card per account

US interest not available to NY, AK, NV residents

Source Data

Complete tier tables exactly as published in the source catalog — no values rounded, converted, or omitted. Selecting a tier re-maps this page to that tier.

WISE CARD

W BONUS NONE

REG FEE / REQ FREE

CASHBACK 0%

NEED KYC YES

FX FEE 0%

APR / YIELD YES

CARD TYPE VIRTUAL AND PHYSICAL CARD

CARD NETWORK visaVisamastercardMastercard

BLOCKCHAIN NATIVE

REGION USAEUUKAPACGLOBAL

WALLET TYPE CUSTODIAL

MOBILE PAY YES

BANK TRANSFER YES

ATM LIMIT €250

DAILY LIMIT €5000

Source: wise-card Updated 2026-07-24T11:53:16+00:00 · reviewed data

Rewards & Staking

Max Cashback

No cashback rewards

On eligible purchases

Reward Token

N/A

Payout details not disclosed

APR / Yield

YES

See provider for terms

Reward specifics

Boost Multiplier N/A

Monthly Cap N/A

Payout Frequency N/A

Welcome Bonus NONE

Referral Bonus N/A

Bonus APR N/A

Bonus Token N/A

Staking & Requirements

Required Token N/A

Min Stake Amount N/A

Fiat Value Req N/A

Lock-up Period N/A

Downgrade Penalty N/A

ROI Calculator

What this card actually nets you: cashback earned minus the fees and FX you pay. Defaults to $1,000/month, so drag to match your spend.

Inputs

WISE CARD

Rates autofilled from this card

Monthly spend $1,000

Spent abroad (FX) 15%

Rates

Cashback 0% FX 0%

Net value / year

$0 / month · +0.00% effective

Effective rate

+0.00%

Break-even spend

Any spend

Cashback

FX cost

Load fee

Fees

Full details

Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.

Supported Assets

Chains

NATI

NATIVE

Card Options

Virtual Card: Instant digital issuance

Virtual Card

Issuance N/A

Replacement N/A

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

REG FEE / REQ FREE

FX Fee 0%

ATM Withdrawal N/A

ATM (Domestic) N/A

ATM (Intl) N/A

Fee After Limit N/A

Inactivity Fee N/A

Top Up Fee N/A

Liquidation Fee N/A

Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit €5000

Monthly Spend Limit N/A

ATM Withdrawal Limit €250

Free ATM Limit N/A

Max Balance N/A

Min Balance N/A

Top Up Limits N/A

Technical Features

Integrations

Security

2FA Support

Biometric Auth

Card Freeze

Transaction Notifications

Dynamic CVV

Merchant Blocking

App & Usability

Spending Analytics

PIN Change in App

Spending Limits Control

Subscription Management

Budgeting Tools

Smartwatch Support

Recuring Payment Control

Dispute Filing

Receipt Capture

Split Bill

ATM Locator

Advanced & Global

Multi-currency Wallet

Crypto Auto-convert

Round-up Savings

QR Payments

Offline Mode

Carbon Tracking

Instant Card Details

Crypto Capabilities

Yield on Collateral

On-Chain History

Governance Rights

Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account N/A

Account Type N/A

Direct Deposit N/A

Bill Pay N/A

Instant Issuance N/A

Self Custody No

Dual Mode (Switch) N/A

Funding & Withdrawals

On Ramp

Not Available

Off Ramp

Not Available

Operations & Support

Support Channels

Support Tier N/A

Support Type N/A

Hours N/A

Dedicated Manager No

Response SLA N/A

Geographic Availability

KYC Requirements

Standard

Email ID

Required

Phone Number

Required

Government ID

Required

Home Address

Required

Bank Statements

Not Required

Geographic Availability

Available

Not available

41 countries

View country list (41 countries)

ATAUBEBGBRCACHCYCZDEDKEEESFIFRGBGRHRHUIEISITJPLILTLULVMTMYNLNONZPHPLPTROSESGSISKUS

Markets where this card can be used. Hover red regions for the restriction reason.

Excluded Regions

Regions where this card is not available

AfghanistanBelarusBurundiCentral African RepublicChadCongoDemocratic Republic of the CongoCubaEritreaIranIraqLibyaMyanmarNorth KoreaRussiaSomaliaSudanSouth SudanSyriaVenezuelaYemenCrimeaDonetskLuhanskKhersonZaporizhzhia.

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Quick Answers

Frequently asked questions about WISE CARD

Direct answers to the questions people ask most before they compare or apply for this card.

Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.

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Funding Methods

Bank Transfer

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