Stop Getting Ripped Off when You Travel Abroad - Wise Card Review

[@bearlycountry2406]

I have a trip in August/September in Europe and I’ve been setting aside money weekly on my wise card. I think it’s a great budgeting tool for vacationing. Thanks for the video, it was very informational.

[@myprivatelens6584]

The best Wise video explanation! Goshh couldn’t thank you enough! Been struggling to understand Wise and stumbled upon your video and it answered all my questions, confusions and doubts! Thanks a lot Helmi!

[@ayekilz]

This is the most clear, concise and informative video ever. Thank you so much! This was brilliant and so helpful!

[@theThirstyPLAGUES]

Terbaik bossku! Aku da bertahun2 ada wise card.. tapi sampai sekarang tak pernah pakai bila overseas.. pasal tak tau cara pakai! Video ni memang sangat2 informative.. sekarang da tau cara nak convert dari local currency to overseas currency🙏

[@JesseLimHK]

You missed the most useful feature of using Wise card abroad. Say you have USD, EU and MYR balance in your Wise account and you go to London. Since you do not have GBP, when you use Wise card to pay, Wise will determine which currency that has the best rate to convert to on the fly. ie If the exchange rate is better in USD-->GDP at the moment, it'll choose your USD balance to pay. You really do not need to convert/open a GDP account before you use it, unless you wanted to.

[@helmi_finance]

Underrated. Thanks for pointing this out!

[@ambiya]

But there's a small fees for conversion.

[@faizalal-mahfuz712]

thank you, u just answered my question

[@diamondrah]

I think it is better to have the currency because it is helpful if anyone with GBP account want to transfer to you, you can give them the GBP account details . Also, if you do not have GBP , it will deduct from your Euro account but with an additional fee .

[@inquisitvem6723]

Americans don’t use this card much because they have several cards in the U.S that waives atm fees and credit cards that waive foreign transaction fees. However, I noticed that the exchange rate might not be as good or fair to the real exchange rate. So maybe that is where this Wise card has the advantage.

[@rajeshr436]

Great video. Yes, instructions are not clear until people make an effort to understand how it works. Your video explains it wonderfully. Thank you

[@sars19641]

Thanks , I had plan to spend Euros in Spain, putting the money in "JAR" no other video explained about this JAR thing

[@pooledogg775]

Remember you need to use your PIN once or you cant use contactless.

[@speeding_botak]

Well done. Clear and straight to the point.

[@carlwatkins5052]

Highly recommend the wise card . Specially traveling overseas

[@freeman405]

Thanks for the information. I received my Wise card and activated it. I go to Bali in September.

[@14bqdonk]

thanks. But yeah, the jars is not permanent. Always can be transfer it back

[@nessundorma2000]

Thank you for this video. I’m in my late 60s and have hesitated getting Wise because I didn’t totally understand it. This was an excellent explanation of how Wise works. I will use your affiliate link.

[@helmi_finance]

I'm glad my explanation was easy to understand. Enjoy using Wise during your travels :)

[@piperang1536]

This is Interesting. Bc the Yen is pretty low rn. I want to buy yen to be prepare before I traveling

[@Bsk2994]

Thank you, this was incredibly helpful.

[@Sam-pn2kc]

yes wise is great for people who live abroad. I Can have a small balance and send money to my polish bank every month

[@cebotet]

Kalau bro ni buat english class kompom laku. Terbaik bang.

[@johnrivera2615]

Thank you for the explanation! So it's pretty popular due to being able to convert the money to mid market online without having to convert cash yourself while traveling and no foreign transaction fee?

[@greenapple9231]

Thank you. Clear, precise and helpful indeed!

[@helmi_finance]

Glad it was helpful!

[@WaiLingFong]

Thank you Helmi! This is a great explanation. Just got mine today.

[@helmi_finance]

Happy this was helpful for you :)

[@grahambaglin7484]

Wise fees caught us out in France. Taking out our own cash via Wise was very expensive. Their monthly limit before their fees are charged is very low in my opinion. Be sure to read their terms and conditions before you get a Wise card.

[@MI-wy8pr]

I think wise feel still below 5%.

[@grahambaglin7484]

@@MI-wy8pr - it is but the old travellers cheque fee was only 1%. And remember this is a fee for you getting your money that you put on your card. The fee free withdrawal allowance is very low. I have cut my Wise card up.

[@SwarleySwablu]

The video needs to be specific for which country. There are Australian banks that offer debit and credit cards they have competitive rates and no transaction fees and also more free international ATM withdrawals. So Wise is more expensive in comparison.

[@oldandnew4378]

Hi, thank you for that video, i stumbled across wise card when preparing for our Japan trip. I have been slowly putting money to my wise card, in addition to my debit and credit card. I really love the feature of the wise card that you can lock in the exchange rate, however, im a bit skeptical to put in big amount of money like $3000aud (converted into jpy) to pay for our hotel accommodation, are they really that reliable like any mastercard or visa? thanks in advance

[@lyriclanguages3780]

This is such a helpful video. I’m planning a trip to both Malaysia and Bali from the US so it’s good to know I can use Wise over there. Thank you!

[@Romerso1]

There is another fee when you send money to Wise. But it is 0$ if you use pay ID for the transfer. So you need to watch it. But mostly fees are shown very clearly.

[@clynt7452]

Helpful :) i am heading to Bali too this September!

[@helmi_finance]

It's fun! Enjoy yourself :)

[@mohammedosman88]

I am from Canada and I use Wise card almost everywhere outside Canada but I also have a 0% FX fees Visa Credit card which is awesome as well.

[@helmi_finance]

Gotta love Wise. Where will we be without it

[@rashmis9123]

Hi..i am from Canada too.. could you please tell me which is that 0% FX fees visa card? and if u have that one, why would you still opt for Wise? any benefits?

[@williamlin2681]

Hi, may I ask whether need the address proof when apply wise card in Canada?

[@janec8289]

@@rashmis9123 Home Trust Visa credit card is 0 transaction fees. I'm assuming one would use Wise at ATM in order to get cash to use at destination, i.e., credit card not accepted

[@ラブはやしじゃ]

Hi. If I got bunch of foreign currencies right now, says JPY, THB, or USD, in cash. How could I deposit them into my Wise account at the minimal losses?

[@sfaznpinoy]

how does it know which balance it uses? For example, if I have opened euros, pounds or pesos and added funds in them....then I go to Portugal to pay for something....does it know automatically that the charge should be deducted from euros? That is, there's no need for me to keep the "default" to euros because I know that I am in Portugal? thanks.

[@lilshabaisha1019]

thank you for your explanation! this helps ALOT.

[@mohammedalam9835]

Capital one will send you a notification right away of what the USD equivalent. If you are a capital one Venture card holder, you are good to go

[@TheStaniG]

I use this just to get actual market rate for my money for a small flat fee and then buy things on US amazon for 10x less lost money than what paypal screws me with on the exchange rate overall.

[@nhartono9914]

Excellent video ... very informative ... thank you for posting.

[@helmi_finance]

Thank you, glad it was helpful!

[@chrisryan238]

thanx mate, best explanation yet !

[@CuriousDiaries]

Great video thanks for the explanation! How about if i have excess money after my travel. For example I bought 100k IDR but spent only 90k IDR. What happens to the remaining funds? Can I transfer it back to some other currency or to my home currency i.e AUD?

[@hipsonsogbo]

Does it require a pin. Or is it payWave. If payWave and you lose it or it gets stolen, all the money can be spent by the thief. Is this a problem with wise.

[@totallyempty]

The only big downside for Malaysia and Singapore residents is that there is a special regulation that only allows about $4000 max that can be stored in your account. When I had my residency in Germany there was no limit. Philippines has gone even further and there is a special branch they established for Philippines only. Wise is a great tool and the best in my opinion, but some countries are giving a huge headache, like Indonesian bank recently restricting Wise and its no longer working for Indonesia residents.

[@norinoriiii]

What about BigPay?

[@totallyempty]

@@norinoriiii they blocked my card :)) And according to their reviews they did it to a lot of people

[@norinoriiii]

@@totallyempty so what do you use now for your travels?

[@totallyempty]

Indonesian Bank

[@andrewwongx]

Great video! So the Wise card immediately recognises the currency that's been spent and deducts it from the correct foreign currency balance?

[@entrophyentrophy9562]

Great explanation of the use of Wise card. Thanks for sharing ❤😊

[@zairhussain82]

Appreciate the video. It was very helpful

[@helmi_finance]

Glad it helped

[@harith7107]

i getting paid from US company thru my wise account, no need to open US bank account and wise card not detect as prepaid card like bigpay. some online service not accept prepaid card.

[@MrKaimuki]

What if I go on a trip to 2 different countries? Do I have to go into the app and change the currency again before I arrive to the 2nd country?

[@Iron-Bridge]

Very detailed and well explained video. Thanks 👍

[@helmi_finance]

thank you!

[@mohamadfirdaus8005]

Thanks for the video, super helpful

[@Mayor_Imad]

I know this is an old video and you probably won't reply, but I'll ask in case you're still active So my question is the following, I live in Libya and I can't open a Wise account here, it is not supported, BUT I'm going to study abroad soon in Latvia RIGA, and my question is, The scholarship would want a bank account to transfer money to my account, so can I open Wise account when I'm there in Latvia, and how can I pay for it (The Physical card) since I don't have a payment method online when I'm there, should I pay with a friend's Paypal for it?

[@anthonyschultz6998]

Finally a decent Wise card review

[@TheAls4173]

I am going on a cruise western Mediterranean. I want to use another card, not my home card.

[@theninjaqueen9947]

Hi. Thanks for the video. What about Big Pay in comparison

[@helmi_finance]

It's very comparable but I prefer the UI/UX of Wise and you can see the conversion rate live (transparent). But ultimately, it's a personal preference

[@Ciaseea]

This was so helpful.

[@ayie4u]

Using Wise card is indeed a wise move! 👌🏻

[@whatif1849]

Great explanation

[@afifahnazri1305]

Why Jordan dinar are not listed ? What should I do ?

[@morrisnell]

Great video mate,,,

[@andyleewengpoh9038]

Anyone here have used Wise card in Korea? Can you use in restaurant, convenience store and shopping complex in Seoul? But I used it seamlessly in Europe.

[@AnneMorris-v8g]

Hi Helmi I have a multi currency Wise debit card and am planning to use in on my travels to Italy soon. My question: when using my Wise card to withdraw Euro from ATMs in Italy, which option should I choose to withdraw money from "savings", "credit" or "cheques"? Again, when using the Wise debit card to pay for meals at restaurants in Italy, what payment source option should I choose? Thanks

[@Panda.gultom]

which one is better to receive money from Indonesia sent to Canada, Pay Pal or Wise?

[@helmi_finance]

DEFINETLY Wise. You'll pay through the nose with PayPal

[@haleyha5930]

Very helpful video! Thank you!

[@badjaeaux]

thank you brother from 🇵🇭 real cool video

[@helmi_finance]

Thanks for watching!

[@stupot1952]

Can you use wise without your card because wise won't send your card to Thailand

[@DrStevenng]

Hi Helmi, great content. Q1 To top up using fpx RM into say usd, is there a suitable time to do it..due to currency fluctuations. If say on days RM is the weakest and we bought usd.. wouldn't that defeat the purpose of using wise when we use it in USA 😊??

[@versnelling9112]

Thanks great help!!

[@TruthLove333]

If a credit card or a debit card has no foreign transaction fees and no atm fees, maybe I'm benefitting more right? The exchange rate isn't SO terrible on these cards, they might be the same as Wise, right? In which case, I might benefit more because I would be earning points from my cc and also have zero ATM charges. Just trying to understand thoroughly, thanks for this video and for an answer, if you have one.

[@AstraLightKeysha]

Ive been having hard time finding a good tutorials and thi helped me a TONN I was worried the card wouldnt be avaible in any ATM due to indonesia can be very less active with changes and some need to use cash more to buy stuff. And i was worried id be wasting my money to buy the card if i couldnt even use it,this video helped me with me anxiey,overthingkint anxious butt haha Thank you so much for all of this not only it made me want to buy the cards it made me atleasf happy indonesia letting us to use this card ❤

[@AstraLightKeysha]

Edit // hope u had a blast in bali!!

[@syedhanaffisyedmohamed5818]

wise card boleh guna di Vietnam?

[@AdaChen-w4e]

Thank you and its so informative

[@helmi_finance]

Glad you think so!

[@glennf5381]

The question I have is the ATM charge. You mention no ATM charge on 2 per month usage per amount guidelines. I get that, but does the ATM machine, or ATM company charge a fee to use their ATM? It may be free from Wise, but is there an fee added by the ATM company? Will continue to search for this answer that may not be out there.

[@fattony9227]

My experience with ATM's abroad is that they all charge a fee depending on the country.

[@kyfisher3662]

Do i need the card or will this all work from my google pay app?

[@lovecricket1000]

Thank you for taking your time to review the card. What happens to the balance on the account once you have completed your travels? Can you transfer it back to your personal account? I'm assuming the normal conversion apply?

[@helmi_finance]

yes to both. I usually don’t buy too many foreign currency when traveling. Convert just enough for my travels. the balance, if a lot will have a small charge to transfer back to your account. I sometimes just leave it in there in case i’ll be traveling again

[@lionelloo5912]

If you open a new account in say SGD and add currency, would there be a conversion fee from MYR to SGD? As opposed to having a single currency account loaded (I.e MYR) and then spend as it is physically in Singapore which would just be based on that days FX rate, without incurring any conversion fee

[@Romerso1]

There is mostly a fee of 1% for money conversion. That is still way better then normal exchange rates. There is another fee when you send money to Wise. But it is 0$ if you use pay ID for the transfer. So you need to watch it. But mostly fees are shown very clearly.

[@minagraphy1740]

Bila sampai Indonesia tu, dia automatik tolak duit indonesia atau kita kena pilih akauan currency yang mana satu dulu?

[@matray6894]

Pilih dulu

[@MrZetaomar]

Can it be used in mainland China? I tried to find info about using wise to purchase things in China, couldn't get it. I am going to China soon

[@PassionPno]

China doesn’t use cards in general. It’s all ewallet like Alipay/Alipay+ and WechatPay.

[@marcelmed4574]

If I have Euro's held in a north american account and plan on visiting Europe. can I move my Euro;s to a wise account then use the Wise visa to pay for my Euro currency transactions? Is there a fee to move my Euro's into a wise account?

[@sekarigendhiaiman2029]

I have the digitial card already, how do i get the Physical card?

[@kazl5701]

Can it be use in Morocco?

[@MrAirpearl]

Really informative video. Thank you, Helmi! Would you recommend or have any qualms using the Wise account as a means of keeping some savings in foreign currency?

[@helmi_finance]

Glad it was helpful! I do not keep currencies for investments in Wise. I don't think that's what it's there for. But no problem to keep foreign currencies on Wise. Just note that there is no interest if you keep money on Wise

[@berxxify]

I would have question: If I am open Euro account, could I change my deposit money in Brazilian Real? Thank you

[@helmi_finance]

You can open up a Brazilian currency in your Wise account

[@TheSystematesFX]

Great video. Thank you!

[@helmi_finance]

Glad you liked it!

[@Ktc99999-b]

you don'e need Indonesian ruppiah to travel to indonesia. You can have just your home currency and wise will still deduct at the day's exchange rate when you tap it.

[@valentinavelezrivera8059]

Hi! Thanks for the video really well explained. Do you know what happens when the currency of the country you are visiting is not in the list, e.g. ISK?

[@helmi_finance]

I am not 100% sure. ISK is not on the list means you can't open up a foreign ISK account on your Wise account. That being said, the Wise card can still be used when you're there. It will deduct from whichever currency you have balance & with the cheapest rate for you automatically. But best to talk to Wise customer support to be 100% sure.

[@Rogehilario]

Very informative. Thanks.

[@helmi_finance]

You're welcome!

[@russellfranzi1023]

Is there a way to top up the card without using a credit card?

[@ラブはやしじゃ]

Hi. If I got bunch of foreign currencies right now, says JPY, THB, or USD, in cash. How could I deposit them into my Wise account at the minimal losses?

[@helmi_finance]

You can't do that. You can only buy or sell the currencies digitally & not physical money

[@puterinursyaqilahmegataziz7007]

Hi helmi, just wondering the usual eta to get the physical card to KL, Malaysia. Because at the apps said within 14 working days. Could it be the card arrive late then time given? Please help a friend out 🙏🏻

[@GabRiel-zy5sp]

i got mine in less than 1 week delivered to my address in KL but you need to pay a little extra for the DHL if you really can't wait that long. There is an option for you to choose whether you want it to to be delivered by normal courier or by DHL when you are ordering the card.

[@johnbelles1912]

What do I do if my bank doesn't let me connect the wise card, to my bank account?

[@kingsboy48]

It's a pain - I have USD accounts at a couple of banks but neither one lets me transfer them to Wise. I have a trip to USA coming up but looks like I'll be taking USD in cash.

[@wow47]

Thanks a lot for your video it clearly explained the difference of money in a Jar and the Account and it's use by Debit card I struggled for days to get it to work out and it seems Wise do not want explain it in a simplest way with an example or by steps by steps guide I don't know why Wise are afraid of Giving their customers service help emails ..? Very odd when in today's era communicating with e MN ail is must

[@helmi_finance]

That's why I made this video because a friend of mine had the same quesion

[@DrStevenng]

Helmi, so what's the function of Jar account when we can't utilize it 😅

[@everchanginguniverse]

Excellent Review. Much Appreciated.

[@helmi_finance]

Glad it was helpful!

[@janicerae1649]

Hi I'm from Australia traveling to India and I want to take a very large sum of money to pay india hospital bill,am I correct in thinking that if my Indian hospital bill was around $9,000 Australian dollars which I'd payed in and bought India currency with that I could hand over my card and they would deduct the Indian money out and there would be no extra fee on top for such a large amount withdrawn at once.

[@peterfischer7084]

Does Wise offer an interest bearing account?

[@owen1379]

Will they charge us any fee (paywave) if we use for example in thailand? Thanks in advance

[@helmi_finance]

No they don't. You will be charged exactly the local currency

[@lish3557]

Hi, do you know Wise card can be linked to WeChat pay in China if I travel to China.

[@helmi_finance]

Not sure, but this article may help: wise.com/my/blog/wechatpay-malaysia

[@donidaniello21]

The question is how safe is it to store your money in wise account.. How is the security and emergency procedure such as lost cards etc..

[@helmi_finance]

You can freeze the card via the app

[@ch3ngg]

in your rupiah example, you have both the ringgit and rupiah on your card, right? so how does the card know which account to use?

[@helmi_finance]

They know where you physically are & will use the local currency. If you don't have the local currency, whichever account with the best currency conversion.

[@reshansivasamy5000]

This is a great video and I am convinced. I do use Wise to send money home to Malaysia but never tried the card. I currently use one of the DBS credit cards that is great for travel. Obviously, one benefit there is that you earn points/miles. I recently went to Australia and every time I tried to pay, they would ask me if I would like to be charged in AUD or SGD. In my head, I think better to use local currency, meaning AUD, so that the banks will do the exchange as if I should SGD payment in Australia, it may not be a good rate and may have extra charges by the bank. Do you have any tips or ideas on this? Cheers!

[@helmi_finance]

your question is about your DBS card? For that, better to ask the bank directly. I am not familiar with DBS. As for Wise, I always select the local currency. Or Wise will select the cheapest currency for you automatically

[@sjk7619]

Is it cheaper to pay in your native currency and have it converted to the foreign currency or just open up a new account in the foreign currency and pay using foreign currency as there wont be a conversion fee?

[@helmi_finance]

This will depend on the conversion rate at the point of you purchasing something. For me, I always open the foreign account & buy the local currency before I go to that place

[@lionelloo5912]

@@helmi_financejust to clarify, if I were to top up my Ringgit account and say I’m spending physically in US, it would convert my RM to USD at the days FX rate correct, without any conversion fee. And assuming the FX rate is the same, if I were to open up a USD account and add USD, would it mean I’ll be effectively be paying more for the conversion fee?

[@joshuanathan3954]

Any updates on this?

[@jjjaydnx]

i am trying to transfer from my Malaysian bank ACC to my Australian bank ACC but it does not work! myr doesn't seem to be supported anymore.

[@mackhacx]

clearly explained thank you :)

[@mutualmiza]

Hi Helmi. Just a quick question. I am a Singaporean travelling to Langkawi soon. Can i use Wise Card at any ATMs in Langkawi?

[@helmi_finance]

Yes you can anywhere Visa cards are accepted

[@erialba4379]

But when you want to add money to your account Wise become very expensive the fees.

[@helmi_finance]

Depends on the currency. I always have favorable fees in my travels.

[@neelambhal]

Hi helmi.. thanks for the video. It was really helpful. However, i have a question im confuse about. It says tat 2% is charge if we top up any e-wallet right. This 2% is for other 3rd party ewallet or for the topup wich we do for wise account instead?

[@helmi_finance]

I am not sure, unfortunately

[@Howlee14]

does wise card have annual charge fee ,and the card register is free or need to pay first to use,what function does it have(i havent apply for the card yet so i need to ask)

[@NETWORK23UK]

@Helmi Hasan Media I have some credit in GBP and EURO and I want to pay EBAY in GBP BUT it picks EURO instead :( how do I change the primary payment to GBP?? ANYONE???

[@helmi_finance]

Make sure you have enough balance in your desired currency

[@iliarafazira]

May I know between Wise and Bigpay, which one is better?

[@helmi_finance]

Personal preference. I like Wise better