How do I get the Wise debit card?

Open a Wise account (free), complete identity verification, and then order the Wise Mastercard debit card from within the app or website. The card costs approximately $9 (one-time issuance fee) and arrives by mail within 7–14 business days in the US. You can also add it to Apple Pay or Google Pay while waiting for the physical card.

Does the Wise debit card have foreign transaction fees?

No foreign transaction fee applies on the first approximately $200 per month (currency equivalent) of foreign spending. Above that monthly threshold, a fee of 0.5% applies. The card always uses the mid-market exchange rate, which is significantly better than most bank debit cards that charge a 1–3% foreign transaction fee plus a marked-up exchange rate.

How many free ATM withdrawals does Wise give per month?

Wise provides 2 free ATM withdrawals per month, with a combined free limit of $100. After those 2 free withdrawals or after exceeding $100, a fee of 1.75% plus $1.50 per withdrawal applies. This resets each calendar month.

Can I use the Wise card in any country?

The Wise Mastercard debit card is accepted in 150+ countries wherever Mastercard is accepted. It works for in-store purchases, online purchases, and ATM withdrawals. The card can also be added to Apple Pay and Google Pay for contactless payments.

Wise Debit Card 2026: ATM Limits, Fees and How It Works

The Wise debit card is a Mastercard that draws from your Wise multi-currency account and converts at the mid-market exchange rate. It is one of the most cost-effective cards for international spending — significantly cheaper than most US bank debit cards and competitive with the best travel credit cards, without requiring a credit check.

Wise Debit Card at a Glance

Feature	Detail
Card network	Mastercard
Card issuance fee	~$9 (one-time)
Monthly fee	$0
Works in	150+ countries
Foreign transaction fee	$0 up to ~$200/month equivalent; 0.5% above
ATM withdrawals (free tier)	2 per month, up to $100 combined
ATM fee after free tier	1.75% + $1.50 per withdrawal
Apple Pay / Google Pay	Yes
Virtual card	Yes (available immediately after ordering)

How the Wise Card Works

The Wise card is linked to your Wise multi-currency account. When you spend in a foreign currency:

Wise checks which currencies you hold in your account
If you hold the spending currency, it uses that balance first (no conversion fee)
If you do not hold the spending currency, Wise auto-converts from your largest balance at the mid-market rate + a small conversion fee (0.43%–0.7%)

Example: Spending €50 at a Paris restaurant

You hold EUR in your Wise account → charged exactly €50, no conversion fee
You do not hold EUR → Wise converts ~$54 from your USD balance at mid-market rate + ~$0.24 fee

Either way, you are never hit with a 3% foreign transaction fee the way most US debit cards charge.

ATM Withdrawal Limits and Fees

Withdrawals per month	Fee
First 2 withdrawals (up to $100 combined)	Free
Additional withdrawals	1.75% + $1.50 each
Above $100 combined in the free tier	1.75% + $1.50 on the excess

Example: 3 ATM withdrawals totaling $200 in one month

Withdrawals 1–2 (up to $100): $0 fee
Withdrawal 3 ($100): 1.75% of $100 + $1.50 = $3.25 fee
Total fees: $3.25

For travelers making frequent cash withdrawals, Charles Schwab’s debit card (Schwab checking) reimburses unlimited ATM fees worldwide and may be a better fit if you need a lot of cash.

How to Get the Wise Card

Open a Wise account at wise.com (free, takes ~5 minutes)
Complete identity verification (passport or driver’s license + address)
Navigate to “Cards” in the app or website and order the physical card
Pay the one-time ~$9 issuance fee
Physical card arrives in 7–14 business days in the US
A virtual card number is available immediately for online purchases

Wise Card vs Travel Credit Cards

	Wise Card	Chase Sapphire / Amex Travel Cards
Foreign transaction fee	0% (up to $200/mo)	0%
ATM cash (abroad)	2 free/month to $100	Often 3% cash advance fee
Exchange rate	Mid-market	Mid-market
Rewards/points	No	Yes
Credit check required	No	Yes
Annual fee	$0	$0–$695

Bottom line: Travel credit cards offer rewards but require good credit and charge cash advance fees at ATMs. The Wise card is better for ATM cash abroad and requires no credit check. Use a travel credit card for purchases (for the rewards) and the Wise card at ATMs (for the free withdrawals).

Freezing and Replacing the Card

You can instantly freeze or unfreeze the Wise card in the app. If your card is lost or stolen, freeze it immediately and order a replacement. Replacement card fee is approximately $5–$9.

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Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy