Wise Debit Card: How Does it Work, How to Order and Use it

[@Wise]

💚 Open your account and get Wise debit card here - wi.se/abqplm 💚

[@nan2yvr804]

This guys voice is so soothing…I had to go back and watch the entire video 😂

[@Wise]

Hey there. We really appreciate you saying that, as we completely agree with you✨ And we'll make sure to let our colleague know about it as well! Have a great day.

[@ss__music]

I want to order a card to a UK address, however I will be loading funds in CAD (Canadian Dollars) and spending in EUR (Euros). I just want to confirm I can do the following: > Load funds from my CAD RBC account to my Wise card without fees > Deliver card to a UK address for specific fee (2.50 GBP) > Use card in Europe to spend in EUR for small conversion fee and NO additional fees Thanks for your help!

[@Wise]

Hey there. Thanks for your interest in getting a Wise Card 💚 Your card is linked to your balances, so all you need to do is make a top-up to your Wise account: wi.se/addmoneytoyourbalances_ And here we explain how your CAD account details work: wi.se/cadaccountdetails See here for delivery: wi.se/canispeedupmycardorder And just to confirm, our card works for multiple currencies; read here how we do conversion if we support the currency: wi.se/smartcurrencyconversion 

[@IndiaRichardson-x3m]

Does the card automatically recognise what country I’m in when using my money ?

[@ttvwhitewolfgaming2326]

I guess so

[@VTGGE]

Great & articulate speaker and helpful tips, thank you !

[@Wise]

You're most certainly welcome, we're glad to hear it was helpful! 💚

[@LilyLI-s1r]

Another useful video, packed with useful info in simple facts~

[@k4rim799]

I just want to say, I like your customer support and overall banking approaches. Very professional to say the least.

[@Wise]

Thanks so much! Your positive feedback is a huge encouragement to us, and we'll continue to give you excellent customer service 💚

[@RukhsarOfficial]

Can I order for one of I'm in India and if I can, can I use this card whenever I go to any abroad locations instead of Carrying cash with me???

[@Wise]

Our card isn't available in India at the moment. We’re working hard to expand and have our card available in other places, Rukhsar. If you'd like the card in your country, join our wait list at: wi.se/cardwishlist - we'll let you know as soon as it gets available for you.

[@RukhsarOfficial]

@@Wise already done!

[@Wise]

Awesome! We’ll let you know when our cards are coming your way 😉

[@RukhsarOfficial]

@@Wise lovely

[@FarnabyRoad-xz4os]

This is pretty helpful!

[@Wise]

We're glad to hear it! 💚

[@oyiondemand]

I opened the account and I made a mistake and declined when I was about the card now I need the card and I am finding it difficult to order wise card, please what should i do in other to order wise card.

[@Wise]

Hi there 👋 Please note that the Wise card is currently available to the residents of the following countries: wi.se/cardavailability If you're eligible to get the Wise card, you should be able to order one following these steps: wi.se/getthedebitcard Should you face any issues, feel free to reach out to us via Facebook, Twitter, or Instagram. Or you can email/call us using this link: wi.se/contactus, and we'll be happy to help.

[@oyiondemand]

Yes is available i base in germany

[@Wise]

If you're based in Germany, then you should be able to get it. Please check the steps here: wi.se/getthedebitcard Should you face any issues with ordering the card, please reach out to us via Facebook, Twitter, or Instagram. Or you can email/call us using this link: wi.se/contactus, and we'll be happy to help 🙂

[@Sam-pn2kc]

for quick transfers to Poland wise always gets the job done for me

[@Wise]

...and it's the best to hear this from you. Thanks a lot, Sam 💚

[@rakeshr8776]

I ordered a new card today with standard shipment in Germany. Do i need to be physically present to take the delivery, or would it be delivered to my postbox?

[@Wise]

Hey, Rakesh! Our standard shipment uses the local postal service and would be delivered as a letter, so generally yes, it can also arrive via postbox 🙂 Usually it's with courier services (expedited delivery) that you'd need to be present yourself.

[@cryptostu4406]

Hi I’m thinking of purchasing a debit card, and then can I purchase a car through wise if there’s sufficient funds available, example £35,000 for the car . Uk 🇬🇧

[@Wise]

Hey, there. Generally, you can pay with your Wise card in most places where debit cards are accepted, and if you have sufficient funds. But there are certain places where you might not be able to use it: wi.se/where-you-can-use-your-card We also suggest keeping in mind the limits your card has: wi.se/wise-debitcardlimits

[@mickbarnes216]

hi. im going to the phillipines in a few weeks time. Im just trying to get it clear in my mind So is my best option that before i go i transfer some money from my uk bank account using the app into the wise card and convert it into phillipino pesos. Then I can draw up to £200 a day without paying charges. I can also use my wise card as a debit card in locations that accept mastercard payments to pay for goods or food and always choose to pay in the local phillipino pesos currency if asked?

[@Wise]

Hi, there. Thanks for reaching out - we'll be glad to answer your questions. (1) You're right, if travelling abroad, we'd suggest converting to the currencies you need within Wise before spending. We have some tips outlined: wi.se/aux1za That way, you'll only pay the conversation fee, with a mid-market rate. Here's how: wi.se/moneyconversion Otherwise, if you'll prefer not to convert it manually, Wise has this Smart Conversion technology that'll automatically convert the balance for you that has the lowest conversion fee: wi.se/smartconversiontech Meaning, if you don’t have the currency you need in your account, you can still spend money. (2) As for the withdrawal, if your account is based in the UK, the free allowance is 200 GBP only per month (not per day). You can read more here: wi.se/withdrawalfees (3) That's correct as well, always choose to pay in the local currency if asked. And you can definitely use or pay with your Wise card in most places where debit cards are accepted: wi.se/whereyoucanuseyourcard We hope this helps, but let us know if there's anything remained unclear.

[@totallyempty]

It’s nice to know that you can order a card delivery outside of your residential address. This makes it truly borderless😊. One small thing i wonder, I ordered my Wise card in 2022 and the durability of the card was not the best back then, after a few years the top plastic film started peeling off. I wonder if the new deep green card is a different plastic? Thank you

[@Wise]

Hey! Thanks for being with us and enjoying the main purpose that we exist for - borderless. And the card has gone through improvements, but the main build is the same, meaning there will be an overlay on top of the card that can be subject to peeling, but in most situations it shouldn't be a real concern.

[@trendev1906]

1-How much can I withdraw per month if I have a Wise business account card ? 2-How much am I allowed to purchase online with this same business card ? 3-Am I allowed to have a personal account and a business account ? Thanks 😊

[@Wise]

Hey there. It depends on where your business is registered. You can check all the product features available for your region from this link: wi.se/business-feature. Just scroll down to "Product features“, and choose the country where your business is registered. You can also read more about the business account here: wi.se/allowedbusinesses. Check here for Business card limits: wi.se/business-cards-limits on spending and withdrawals. And, yes, you're allowed to have a personal and business account if you're eligible. Get started here: wi.se/tipstogetstarted. If anything's unclear, drop us a message on alternative social platforms or call/email us: wi.se/help. We're here for you!

[@andreanelson8110]

Great info and questions. Thanks! How is my balance protected if my card is stolen?

[@Wise]

Great question, Andrea! You can temporarily freeze your card to prevent someone from using it, or replace it to get a brand-new card. In case you notice any unauthorised transaction, you can report the issue, so we can investigate it. We explain in more details here: wi.se/lostorstolencard

[@suebabe6382]

When I ordered my WISE card, I had to give my SS# and take a picture of my driver's license to verify my identity. Please tell me I didn't just give away my identity.......

[@Wise]

Hi there! Verification is a part of card order process. As a regulated financial institution, we have to follow a strict set of guidelines, and we want to know who's using our services. Verification is something we never take lightly, and so we ask for documents to verify our customers before completing the card order. We share more about the process here: wi.se/getthedebitcard_ If anything remains unclear, feel free to contact us at wi.se/contactus_, or DM us on Facebook, Instagram, or Twitter 🙂

[@TomL2025]

😊

[@dream_77707]

What prevents wise debit card from being available in Jamaica? And is there any chance it will happen?

[@Wise]

Hi there! We want to offer you the best experience while still complying with different rules and regulations. All this makes it a tiny bit harder to reach with our features everywhere at once. But we are always looking into new opportunities, and hopefully we'll be there in the future as well. Until then, you can let us know of your card wish by joining the waitlist: wi.se/joincardwaitlist

[@TomSkinner-t7z]

We use a service for business debit cards at the moment that allow us to upload receipts and match spending to an account, category etc (Pleo). Can we do this with Wise cards?

[@Wise]

With Wise your business can set cards for different people and download statements based on that person. But we currently don't have specific category markings or a system like Pleo. Feel free to contact our business team for a precise and maybe a good solution that would fit you as well: wi.se/businessaccount We have different integrations you can do.

[@BubbleGendut]

Concerning Virtual App Card: 1. Do i need to "Add Money" first in the currency I wish to use? say I want to spend online in USD but only have GBP & Euro in my wise acc. 2. If I don't need to "Add Money" for 1 above what is the "Add Money' feature for 3. What is travel hub? I live in Asia. So if I want to spend like a local do I need to have a wise acc. in local currency?

[@Wise]

Hey there 👋 Correct, you'll need to add money to your balances first. If you spend money in a currency you already have in your balances, we'll deduct the amount from there. But if you don't, we'll automatically convert the amount for you from whichever available balance has the cheapest conversion fee. So there’s no need to worry about converting money before travelling. So, if you have the local currency in your account, no fees are applicable to the transactions. If you don’t have, we'll charge only a conversion fee using our Smart Conversion technology: wi.se/smart-conversion

[@CHmixture]

Do I have to add my digital wise card to ApplePay if I want to use it?

[@Wise]

Hi there. Yes, you'll need to add your digital card to a mobile wallet like ApplePay if you want to use it. Learn more here: wi.se/wisedigitalcard 😄

[@harryyuyaoren2943]

Hey Wise, living in Thailand with euros on my Wise account. Can I use this card for daily purchases at supermarkets and shops in Thailand? Will regular card payment devices in shops, supermarkets work for my daily transactions? Thanks!

[@Wise]

Hey there 👋 Thank you for your reply here. And yes, you'll be able to use your debit card for daily purchases in Thailand, and almost anywhere around the world for that matter: wi.se/whereyoucanuseyourcard So you'll be able to spend your Euros using our Smart Conversion technology: wi.se/smartconversiontech - but it's always recommended to spend money using the local currency, in order to avoid (possibly high) conversion fees. To learn more about the fees when it comes to using your card, please have a look at our page here: wi.se/debitcardfees We hope this helps. But please feel free to send us a PM, or DM, on Facebook, Instagram, or X, if you have any other questions. We'd be glad to help you, of course.

[@cammanning1710]

I travel to Mexico from Canada each year. I have in my Wise account CDN money converted to Pesos that I will use while in Mexico is that the account my debit Card would draw from. Is this the best format to use? And when I use the card state local Currency?

[@Wise]

Hey, Cam 👋 We'll always deduct from the currency that you spend in. So if you have MXN in your Wise account, we'll deduct it from there. But if we don't support that currency, you can still spend. Our Smart Conversion technology will automatically convert the balance for you that has the lowest conversion fee: wi.se/smartconversiontech For ATM withdrawals, we charge fees based on the number and amount of withdrawals. You get 2 free withdrawals each month; after that, a small fixed fee applies to every additional withdrawal, regardless of the amount. You also have a free withdrawal allowance each month, letting you withdraw up to a certain amount without variable fees. More details here: wi.se/withdrawalfees Keep in mind that these are fees Wise charges on your card. Some ATMs may charge additional fees over these. We have no way of predicting those charges, but they’re usually visible on the ATM before you agree to the withdrawal. Here's a helpful guide on using foreign ATMs, so you can avoid Dynamic Currency Conversion: wi.se/usingaforeignatm

[@marcanthonyfranz]

When will the card be available in South Africa?

[@Wise]

Hi, Marc. We don't have a specific timeline to share just yet. Our team is always working hard to expand our products globally, so keep an eye on our website and social media platforms for any updates. In the meantime, feel free to submit a wish for the card here: wi.se/joincardwaitlist If you have any questions, then feel free to reach out to us on Twitter (X), Facebook, or Instagram.

[@MrBcHolmes]

Thanks for the prompt response. This did allow me to cancel the card. Hopefully it works.

[@Wise]

Hello 👋 It looks like we got back to another one of your comments with some additional information! Please take a look and let us know if we can help with anything else.

[@mike_horta]

Hi! I just opened wise. I live in the uk and got to europe a lot. When paying in europe with the card, do i first need to add money to my wise account or can i just pay straight away with the card and wise will deduct it from my uk bank? Thanks

[@Wise]

Hi there - thanks for reaching out. In this case, you'll need to add money to your Wise account, as this is linked to your card - your account and all the currencies on it will be connected to the debit card. As long as you have enough money available in any currency in your balances, you should be able to use the card. Here's some info on how to add money to your balances: wi.se/addmoneytoyourbalances Our card allows you to keep and spend multiple currencies - unlike cash, you don’t even need to have the money converted beforehand. Simply use the card, and we’ll convert the amount automatically for you, from any currency you hold in your balances, for a low fee: wi.se/smartconversiontech If you're holding money in EUR balance, we'll automatically use that balance. Please feel free to reach out to us over on social media for more help. This can be on X/Twitter, Facebook or Instagram, or alternatively through this link: wi.se/contactus - we're here to help 💚

[@mike_horta]

Thank you!

[@LISTENNN-o4f]

Hi I am from algeria How we can recieve wise card .

[@Wise]

Hi there! We're glad to hear that you're interested in our services. It's always been our goal to make our card available in more countries, including Algeria. Please note that it's not an instant process, but you can be sure that we're working on it. If you haven't done so, please join our card waitlist: wi.se/cardwishlist, and you'll be the first to know for any new updates about our card 👍

[@williamhye6797]

Is it free to withdraw money from atm in any country around the world or is it limited to specific countries?

[@Wise]

Hi, William. To answer your question, you get 2 free withdrawals per calendar month. From the third withdrawal, we’ll charge you the fixed fee applicable in your region, regardless of how much money you've withdrawn that month. The fees you pay depend on where your card was issued - it’s usually the registered address on your Wise account. If you’re using a different currency, the sum will be equivalent to the currency your card was issued in. If you withdraw cash in a currency you're not currently holding, we'll charge a conversion fee to convert it for you. We've outlined this info here: wi.se/withdrawalfees We hope this clarifies, and let us know if you have other general questions.

[@juliebarratt6801]

I've got an account in the uk, ordered a debit card, how do I load it up to travel to Australia? Do I need to add an amount in pounds first to the account or load up au dollars straight onto the card from my bank?

[@Wise]

Hi Julie. Your Wise card is linked to all the balances you have in your account. Meaning, it's connected to multiple currencies that you have. In that sense, you can deposit an amount, in a currency that's local to you (GBP) and convert it to AUD within your account: wi.se/moneyconversion This way, you'll be able to spend in AUD when you're in Australia. But what if you don't have enough on your AUD balance? - Don't worry, our Smart Conversion technology will automatically convert the balance for you that has the lowest conversion fee (wi.se/smartconversiontech) Quick tip when travelling: Avoid hidden fees by always choosing to be charged in the local currency. Hope that helps 😊

[@FloraEncantiks]

Hi! I want to have two separate cards, one physical and one digital so i use only on for my daily expenses and the other ine that has the total amount is not exposed. How can i do that? I alreay have both cards, should I sent money to the new card?

[@Wise]

Hey there. Please keep in mind that you won't be able to move money directly to your Wise cards. The available money to spend on your Wise cards is linked to your Wise account balances). So, as long as you have money in your Wise balances, you'll be able to use both the digital, and physical Wise card to make purchases. With that said, at this time, there isn't a way to separate funds between your Wise cards. But, if you'd like to set money aside and keep it separate from your balances, you can open a Jar with us. And, we share more info on this here: wi.se/wisejars Just keep in mind that the money in your Jar(s) can’t be spent it using your your debit cards. But you can send money from it like you would a normal balance, or you can move the funds to your balance whenever you'd like. But, if you have any questions, feel free to reach out to us via one of our private channels on Facebook, Instagram, or X (previously Twitter), and we'll get back to you there with more info. You're also welcome to email our team here: wi.se/contactus We're here to help.

[@questvari8318]

For the debit card at the expiring date, will wise to charge another fee for a new card? Thank you

[@Wise]

Hey there! There's no fee for replacing an expiring card. More info here: wi.se/card_expires_soon

[@joshuadean2037]

Im from New Zealand and travelling to Europe next month! Before I leave to add money into my balance as Euros to go over there or NZ Dollars?

[@Wise]

Hey, Joshua. Yes, before you start spending with our cards, you'll have to make sure you've added enough money into your balances. You can choose to add to your NZD balance then convert to your EUR balance. Or, you can directly add to your EUR balance. However, if you make payment in NZD, we'll convert it for you before adding to your EUR balance. Learn how to add money here: wi.se/addmoneytoyourbalances - how to convert money within balances here: wi.se/moneyconversion Plus, when you've enough EUR in your balance when spending EUR in Europe, there won't be any transaction fees. But, in case you don't have enough, our Smart Conversion Technology will convert it from the balance with the lowest conversion fee for you. Read more here: wi.se/smartconversiontech

[@mia3975]

I already activated my card, however what option do I select when making a payment or taking money out of an ATM machine? Current, Savings or credit card? Thx

[@Wise]

Hey there. If there's an option to select "Current" then do that. As savings and credit card are a bit different.

[@pateldr]

Hey when I use the card overseas to make a payment In a shop and I do have the correct Currency in my account will I be charged any additional fees ?

[@pateldr]

Also will this card work in India?

[@Wise]

Hey there! If you're spending money in a currency that you have available in your Wise balance, this transaction will be free. And yes, the Wise card works in India. Please check more about smart conversion here: wi.se/smartconversiontech and where to use the Wise card: wi.se/whereyoucanuseyourcard If there's anything else, please let us know and enjoy ✈️

[@adriananthonydavis]

When will the Wise Card be available in Jamaica? If Wise does not ship cards to Jamaica for some reason, why not find some way for us to get them, even if we have to have a certain amount of money in our account to be eligible for the card.

[@Wise]

Hey Adrian! We hear you. At the moment, we don't offer the Wise card in Jamaica, we're working hard to expand our services, so we can reach more customers and give them the best service possible. In the meantime, you can join our waitlist: wi.se/cardwishlist - we'll let you know once we have updates about the card in your country.

[@Aky_7]

hello sir, I just recevied my wise card and I am going from Europe to Japan. I do not if I have to tranfer only euros and when I am in Japan is going to change it automatically by paying or I must convert euros in yens now. Thank you in advance.

[@Wise]

Hi there. That's great question! It's really your preference. You can open a Japanese Yen (JPY) balance now: wi.se/open-a-balance or if you don’t have the currency you need in your account, you can still spend money while in Japan. Our Smart Conversion technology will automatically convert the balance for you that has the lowest conversion fee. More info on that here: wi.se/smartconversiontech Feel free to message us on Instagram, Facebook, or X, if you need further assistance. You can also email/call us using this link: wi.se/contactus

[@JudyKnott-bs4ju]

Do I need to activate my card in Australia before going to Ireland?

[@Wise]

Hey there. Cards can be activated anywhere (except the cards issued in the US, Japan, and the Philippines). To activate your card, you just need to make your first payment using Chip and PIN. See more here: wi.se/activate

[@sars19641]

How many times can I withrow money in euros in spain? Is there daily limit or monthly limit?

[@Wise]

That's a good question! Depending on where your account is registered, you'll have different limits for withdrawing with your card. You can find our full breakdown here 👉 wi.se/wisedebitcardlimits

[@ReneHartner]

great job - well done ! One quick question, if I have 3 wise accounts say USD, CHF and Euros and I am say in Munich (Euro) and use the card will the card automatically access the Euro account and spent the money out of there. Obviously I already put money there that the balance is >0. thx. or is there a certain step needed to during the transaction to ensure Euro is used. My home base is Singapore and money comes in Singapore Dollars then I move it to my other 3 accounts in Wize as I travel to those regions for vacation thx.

[@Wise]

Hey, Rene! We're glad to hear that you liked it. To answer your question, there's no manual steps needed. If you spend money in a currency you already have in your balances, we'll deduct the amount from there. But if you don't, we'll automatically convert the amount from whichever available balance has the cheapest conversion fee. So if you're spending in EUR and already have this currency available in your balance, we'll deduct it when you make a payment: wi.se/wise-card-gettingstarted Have a safe trip ✈️

[@JamesThomas-hd4me]

If I’m going to Utila Honduras and load my card with Limpira’s, go there and withdraw from an ATM the only fee I’ll be charged is from the bank for the use of the ATM? How much can I withdraw at once?

[@Wise]

Hey, James. You can use our card in Honduras! At the moment, we don't yet support adding or holding HNL in your balance. However, our card supports spending in HNL. We'll automatically convert from a supported currency to HNL when you spend. You can learn more about the conversion fees here: wi.se/card-price You get 2 free withdrawals per calendar month. From the third withdrawal, we’ll charge you the fixed fee, depending on your region. Learn more via: wi.se/withdrawalfees As for the limit, you can find out more at: wi.se/wisedebitcardlimits 🙂

[@waelben2000]

Q1- Why does it say you can't withdraw cash from Canadian ATMs? Q2- if I have canadian money and I'm for instance in Argentina trying to take money from an ATM. Do I need to convert the amount on the app first, or should I just withdraw from ATM? (Without accepting the conversion option ATMs give me) Q3- can I get a card done to give to my mom or father to use if they live in a country where they can't get the card transferred to them? Do I need to create an account for them in Canada? Is that even an option? I want them to retire and be able to support them in case of any issues.

[@Wise]

Hey, there! 1. There can be a few restrictions on where our cards can be used, and in this case Canadian-issued cards can't be used for local ATM withdrawals (but it'll still work outside Canada, as normal): wi.se/withdraw-fees 2. You don't have to convert, although we do recommend it, since spending money in a currency you have on your balances tends to be a lot cheaper: wi.se/debitcardfees 😉 3. We can only issue cards to the account holder, so if they'd like to have cards of their own, they'll need to create their own Wise account as well. However, when creating the account note that their address has to match their current residence, so if the card's not available in their current country, it wouldn't be possible to order them at this time. They're welcome to join our waitlist here, though: wi.se/cardwishlist to get notified as soon as there's any news!

[@TomL2025]

I am ordering a Wise Debit, and it requires me to transfer some money to complete the request. Is that sound right?

[@Wise]

Hey there. If you're trying to get a Wise card, and you haven't open a Wise balance yet, we may ask you to add 20 USD (or the equivalent in your currency). Just like you'd make an initial deposit when opening an account at a bank, this is one of the ways we verify our customers as a regulated financial institution. But, please not that this isn't a fee. The funds will automatically be added to your Wise account, which you can then use to pay for your Wise card, or make purchases with, once you have your card. Once you've added the money to your Wise account, you're free to use your account details to send and receive as you'd like. For more info on this, check here 👉 wi.se/wiseaccountfaq We hope this helps. And, if you have any questions, or would like us to look into this further, feel free to reach out to us via one of our private channels on Facebook, Instagram, or X (previously Twitter), and we'll get back to you there with more info. You're also welcome to email our team here: wi.se/contactus We're here to help.

[@daniellemoodyx]

Hey! I have funds in AUD and EURO. But I can't workout how to put the money onto my card? Or is it essentially already on the card? And when I go to pay in Euro it will just come out as Euro? If that makes sense!

[@Wise]

Hey, Danielle 👋 If you have money in your Wise balances, it means the funds are available on your card as well. Learn more on that on this link: wi.se/wise-card In case you're paying in EUR, the money will be taken from the correspondent balance. However, in case you don't have money in the same currency and have in another, our Smart Conversion technology will automatically convert the balance for you that has the lowest conversion fee. Check more info here: wi.se/smartconversiontech In case you have further questions, feel free to reach out to us on our support on Facebook, Instagram or X/Twitter, and we'll be happy to assist.

[@Celestymahajan09]

I live in the uk and I have access to Indian bank internet banking , can I transfer money from my Indian account and use here in uk using wise card ?

[@Wise]

Hi, Celesty! At the moment, only customers who've used our services before can send INR from India. We're working to change this, but don't have an exact ETA to share just yet. More info on INR transfer here: wi.se/guidetoinr. Alternatively, you can still send money from your Indian bank account using GBP via SWIFT: wi.se/swiftpayments. Should you have any additional questions, feel free to reach out to our DMs via Instagram, Facebook, or X. We'll be happy to help you over there 🙂

[@elgs1980]

What happened to the debit cards in the US? Will it come back any time soon?

[@Wise]

Hi there. We hear you on this. We're temporarily pausing issuing new cards to personal customers in the US due to an operational change. So, new customers, and existing users who're yet to order a card won't be able to. Rest assured, launching cards for personal and business customers is a priority for our team, and we are working hard to make this happen. When there is more information available, we’ll share it. Till then, you can join our wait list here: wi.se/joincardwaitlist. Lastly, existing customers based in the US who've already gotten a card can continue to use them.

[@rrkmodel1]

I have a good Question, can Wise, debit card also be used kind of like a bank for example, a when there is a high Thai baht rate and I buy with $ for a later trip to Thailand and use Thai baht that I exchange earlier? Does that make sense?? Haha

[@Wise]

Hey Rian! You can choose your own timing on when you'd like to convert to the THB or USD. All our conversions are done with the live-market rate: wi.se/midmarketrateinfo Once you convert the money on our platform, it'll be in the currency you converted to. And if you want to convert it back it'll depend on the market again, for example you can't just reverse the previous conversion. If you got any more questions, feel free to send us a private message on Facebook, Instagram or X/Twitter.

[@scar2105]

i’m just a little confused, when i go overseas, and want to pay for dinner in Euros, but i’m from australia, should i load aud onto the wise card and convert to euro? after that, would i just tap to pay? like does it automatically charge the balance of the country you’re in?

[@Wise]

Hey, Scarlet 👋 Basically your Wise card is linked to your Wise account, so, as long as you have money there, you can still pay for your dinner in EUR. If you have EUR in your account, our system will take the money from that account, otherwise it will automatically convert the currency that you have there that has the lowest conversion fee. Check out this page for more info: wi.se/smart-conversion

[@scar2105]

@@Wise amazing! thanks so much. my card arrived this morning 😁

[@Wise]

Whoop! Let us know how you like it 🤩

[@jordantoyoken4276]

It would be much better,if we could put money on the card thru atm machine ,banks or remitances like ria etc..

[@XYZGOODIES-y6z]

is data/wifi/bluetooth needed when paying with digital card at a grocery store for example ?

[@Wise]

Hi there! You should be able to use the digital card without being connected to wifi/data/bluetooth 🙂 If you have other questions, let us know.

[@lynettemytton7157]

Well explained.

[@Wise]

Thanks, Lynette. Your support is what keeps us going 🔥

[@UmaParanjape]

If you have US dollar cash, can you deposit into Wise card? Or you need to transfer from your bank account to wise card account online?

[@Wise]

Hey, Uma. At the moment, we don't yet support depositing physical cash to your Wise card. As a workaround, you can make a bank transfer from your external bank account to your Wise account. Typically, this can be done via online banking, over the phone or in person at your bank. We explain more here: wi.se/payingbybanktransfer Here's a helpful guide on how to add money to your balance: wi.se/addmoneytoyourbalances 🙂

[@faisaljamal5432]

@@Wise what is the limit of how much I can keep on my aacount ? I am in Malaysia can I keep 10,000 of dollars on my account?

[@susnatodas2684]

Is it possible to have a physical version of a digital card I am using?

[@Wise]

Hey, Susnato 👋 Yes, it's possible! Here's how you can get our physical card: wi.se/getthedebitcard

[@Lightlikesroblox]

If I open up a business account, will I be able to invoice US based clients, have them pay me directly to my wise card and then pay my staff in South Africa?

[@Wise]

Your Wise card is essentially an extension of your Wise balances. So, if your clients pay to your Wise account details that's linked to your Wise card, there should be no problem there. More on Business accounts here: wi.se/businessaccount and receiving money here: wi.se/howtoreceivemoney Next, you can send ZAR to individual and business bank accounts in South Africa. More on that here: wi.se/guidetozar But, if you'd like to send USD to South Africa, it'll then have to be via SWIFT: wi.se/swiftpayments Hope this helps, but if you still have questions, feel free to drop us a DM on alternative social platforms, or give us a call during operational hours in your region: wi.se/contactus.

[@mr.yalauz1497]

It would be nice if you could use the virtual card design as the physical card's

[@Wise]

Hi there. We always work on improving our services, and we'll be sure to keep your feedback on the physical card's design in mind. Thanks for sharing 🙂

[@miKeBoY5959]

Once i add amount to digital card, when making payment i just scan on the vendor terminal?

[@Wise]

Yes, more in-depth steps can be found in the link mentioned above. Let us know via our other social channels if you're experiencing any trouble, we'd be happy to help!

[@djibrimatto9444]

Useful video, when will be avaiable the new design of the wise card ?

[@Wise]

Thanks, Djibrim! We're glad you found it useful. You'll be able to get the new design soon, but we don't have an exact date to share right now. We’re working on it. While you wait, you can still order one of our digital cards with a bold new design.

[@petenightingale1381]

I have a wise card and am from the UK. I plan on using it when in Las Vegas later in the year. Do I have to convert my balance from GBP to USD to be able to withdraw in the USA?

[@Wise]

Hey, Pete. Yes, ideally, it'd be better for you to hold some USD in your card when withdrawing in the USA. If you don't have USD at the time of withdrawal, you can still withdraw money with GBP in your account, but we'll charge a conversion fee to convert it for you. Learn more about how much it costs to withdraw cash here 👉 wi.se/withdrawalfees

[@petenightingale1381]

@@Wise thank you for your reply! Is there a limit per day that I can withdraw via an ATM in the USA?

[@Wise]

If you're from the UK, there isn't exactly a daily limit, but we do have a monthly withdrawal limit which for residents of the UK is 4000 GBP, that's about 5000 USD when converted. Check more about the limits here: wi.se/wisedebitcardlimits

[@se7en5es]

Hey, in one video Wise team mentioned Wise card is available in Indonesia? Is it true? Or it's only one of the country the card can be use? Because I checked in the country list Indonesia is not on the list. CMIIW. Thank you.

[@Wise]

Hi there! The best way to check if the Wise card is available in your country is by checking your account. If the option to order a card shows under the "Cards tap" then you'll be able to order one 👍

[@se7en5es]

@@Wise got it. Thank you:)

[@Wise]

You're welcome. We're always happy to help 🙂

[@alancoppin219]

I live in a country where the cards are not currently available. Do you have a virtual card for Apple Pay?

[@Wise]

Hey, Alan 👋 We currently only offer digital cards to customers who already have a physical card. So you won't be able to get a digital card unless we already offer the Wise card in your area. If we haven't reached your country with the Wise card, yet - let us know here: wi.se/cardwishlist_ This way we can let you know when it comes your way!

[@jackiel288]

I will be travelling to Cambodia which does not appear to be on your list of currencies. Will my debit card work there?

[@Wise]

That's a great question, Jackie! As long as your card isn't issued to a US personal Wise account, you'll be able to use it in Cambodia. You can find a full list of where your card will work here 👉 wi.se/whereyoucanuseyourcard

[@jackiel288]

@@Wise thank you. I am based in the U K

[@Wise]

Yes, your card will work there just like any other Visa/Mastercard. But because we don't support their currency ourselves, we can't offer you our smart conversion:wi.se/smartconversiontech So the conversion will happen with the rates that Visa/Mastercard has set at the time of the transaction.

[@wansteadparishchoir8258]

Hi I have read that in Peru, Visa is much more accepted than Mastercard. Can I use the Wise debit card there?

[@Wise]

Hi there 👋 Wise card is currently unavailable in Peru but if you already have a Wise card, and you're planning to travel to Peru, it should work fine. Generally, you can pay with your Wise card in most places where debit cards are accepted. We share more info on this here: wi.se/whereyoucanuseyourcard If you have any other concerns, feel free to DM us on Instagram, Facebook, or Twitter. Alternatively, you can email/call us using this link: wi.se/contactus

[@dbr7932]

Why is the card not available in the US currently ?

[@Wise]

Hello there. We're temporarily pausing issuing new cards to personal customers in the US due to an operational change. We're working to bring the card to new US cardholders after this temporary pause, and as soon as we have more information to share, we’ll communicate it with our customers. However, existing users who've already gotten our cards, can continue using them as usual.

[@alinaramona6117]

Where can I find the CVV on the card?

[@Wise]

Hello Alina. You can find the CVV on the back of the card, underneath your name. It's the 3 digits 🙂

[@la_chistera]

Can connect my usual bank account with this card, or paypal?

[@Wise]

Hey, Daniel. Your Wise Card can only be connected to your Wise balances. You can add money to it using a few different methods, like paying with your bank account for example. You can just follow the steps here: wi.se/addmoneytoyourbalances Once the money has been deposited, you’re ready to spend with your card.

[@Cindyxinxu]

Is the wise card still available for people in the US? I tried to apply but was told it’s temporarily unavailable now.

[@Wise]

Hi Cindy. We have temporarily paused issuing new Wise cards in the US. If your address is in the US and you have not had a Wise card before, you temporarily won’t be able to request a new digital or physical card. You can sign up for our waitlist here: wi.se/joincardwaitlist and we'll share the news once it's available for you. Thanks 💚

[@Cindyxinxu]

@@Wise Thanks for the response! I already opened a wise account last week because I’m going to Japan in November. Without the card, how do I get cash or pay in Japan? Or I won’t be able to do so at all?

[@Wise]

Thanks for getting back to us, Cindy. In this case, you won't be able to get a Wise card or make use of the Wise card in Japan, so it would be best to look for an alternative option for your time over there - this is, until the Wise card is available for you. Please feel free to reach out to us over on social media for more help. This can be on X/Twitter, Facebook or Instagram, or alternatively through this link: wi.se/contactus - we're there to help 💚

[@miKeBoY5959]

I have set my digital. And and I just open wise app n s an to pay?

[@Wise]

Hey there! In order to be able to pay with your digital card, you need to add it to your mobile wallet first. Please have a look how to do it here: Google Pay 👉 wi.se/addingtogooglepay Apple Pay 👉 wi.se/addingcardtoapplepay Feel free to reach out via our other social media channels for more assistance (e.g. Instagram, Twitter, Facebook). We're always happy to help.

[@mountainconstructions]

How do you get the digital cards in teh app to work via NFC on your phone to make payments ???

[@Wise]

Hey, Hugh 👋 If you'd like to use the digital card in-stores, you can add them to your mobile wallet. From there, you should be able to make contactless payments. Also, depending on where your card was issued from, the mobile wallets it's compatible with may differ. So, check out more details on some of our most commonly used mobile wallets, Apple Pay here: wi.se/howtouseapplepay - Google Pay here: wi.se/addingtogooglepay

[@mountainconstructions]

@@Wise Ah ok... So you need A Digital Wallet too... Thank You

[@Wise]

Hugh, it depends on how you want to use, but if you want to do contactless payment then you need to add your card in your mobile wallet. If you have any more concerns, feel free to DM us on Facebook, Instagram or Twitter, and we'll be happy to help 🙂

[@DGyap]

Is there a difference on adding money to balance account, and adding money on the CARD page ?

[@Wise]

Hi there. Not really, if you add money to your balance you'll be able to spend it with your card too, same as when you directly add money to your card 😊

[@laxmishiwakoti664]

Hello I have order wise card in Croatia, today does wise work in supermarket.

[@Wise]

Hey there. Generally, you can pay with your Wise card in most places where debit cards are accepted. So at the supermarket should work just fine. Just make sure you've activated the card first: wi.se/activate

[@chaoukiezziane588]

we can use a wise debit card in stores for shopping for exemple.

[@Wise]

That's right! 😊

[@solansolan2643]

May I know, limit of each country for the contactless payment. payWave?

[@Wise]

Hey there 👋 Our spending limits differ depending on a country, and you can find the breakdown of these limits here: wi.se/spendinglimit Feel free to also reach out to us via our other social media channels (e.g. Instagram, Twitter, Facebook). We'll be glad to assist you more there.

[@georgehughes9864]

How can I use my Wise Debit Card or other account features to pay credit card bills locally - and ideally in Wise time, ie `instantly`?

[@Wise]

Hey there, George. Great question! You can definitely use your Wise account to pay for things such as credit card bills. To do this, you'd just use either your Wise card or your Wise account details as the payment method when you're paying the bill. We hope this helps, but if you have other questions, feel free to reach us via DM at Facebook, Instagram, or X. We're here for you 😊

[@fekrabusinesssolutions]

When will it be available in Egypt 😢?

[@Wise]

We don't have any updates about that yet, as there are some countries where our services are limited. You can find the full list of countries where we can issue cards here: wi.se/cardavailability We're always looking to provide our features to as many people as possible, so we'll be sure to let our customers know if anything changes 💳

[@michaelmcmillen7483]

I'm in Bangkok. First time use Wise card. Sometimes it require I put in a PIN. (Good.) Other times not. (Bad!) When NOT sometimes sez wireless contact, other times chip and PIN (NOT TRUE!) Why the variance and I'm thinking use of the card is very unsafe. Thanks for a reply/advice.

[@Wise]

In general, every time you enter the card into the terminal it should ask for a PIN, sometimes it can ask when doing contactless as well. Feel free to message us on Instagram, Facebook or Twitter and we can take a look. Our contact emails and phones are also available: wi.se/directcontactus

[@faridshodjaee]

I have a wise Visa card can I use it like s debit card ?

[@Wise]

Certainly, Farid! Our card is a debit card 😉 To learn more about how it works, check here: wi.se/debitcardfaq_

[@Meggyys]

How long does it take for a card to get to me in the US?

[@Wise]

Hey there! Normally, it takes around 14-21 working days for your card to arrive to you in the US. In most regions we use standard delivery, so we can only give you an estimated delivery time, but not a tracking number. You can check this under the Card tab in your Wise account. In case your card didn't arrive after the ETA has passed, make sure to check what you can do in this case here: wi.se/mywisecardhasntarrived Due to the specifics of this platform, we're unable to DM you on KZbin, but you're more than welcome to reach out to us via Instagram, Facebook, or Twitter/X. We'll be glad to assist you over there 💚

[@marialangford8840]

Can I have both a physical card and a digital card attached to my account?

[@Wise]

Hello there, Maria. Yes, you definitely can have both, as long you're a resident of an eligible country: wi.se/cardavailability More about the Wise card, here: wi.se/debitcardfaq Thank you 💚

[@marialangford8840]

@@Wise Great! Thanks for letting me know - good to have another option in case the physical card gets lost!

[@Wise]

You are the most welcome, Maria 💚💚💚 We'll be here for you, in case you need anything else.

[@riezan]

Hey Wise team. I registered for a paid business account 2 years ago and did not get this Wise debit card until today. I live and registered the account based on Indonesian residency. Can you deliver this from the nearest available country like Singapore or Malaysia? I'll cover the delivery cost. I need it for travelling to a few European cities.

[@Wise]

Hi. Great question. We use standard shipping for most card orders. Expedited delivery is available, but only for a few regions. More info here: wi.se/expeditedcard The card will be delivered by your local post office. Since you mentioned you reside in Indonesia, the card would be delivered from your local post office there. It wouldn't be delivered from Malaysia or Singapore if your address on your Wise account doesn't reflect either region. You should see an estimated delivery time under the cards tab in your Wise account, so keep an eye on this date. If you have any questions or feedback, feel free to reach out to us on our verified social media platforms, such as Twitter (X), Instagram, or Facebook.

[@riezan]

@@Wise Thank you for the quick response. I'll contact your socmed acc. Got some follow up questions.

[@Wise]

You're welcome. We'll be on the lookout for your message.

[@DianneSutherland-x1k]

Hello. I have a physical and digital Wise card. I am travelling overseas with a friend and we have both dumped Australian Dollars onto the card to use as a shared account when in Italy and Croatia. Is it possible to set up a digital card in an iPhone wallet for my friend to use when overseas. If yes, how can this be done. Thank you.

[@Wise]

Hi Dianne 👋 Due to security reasons, that isn't possible, and we don't recommend you to share your Wise card with anyone, as it's for personal use only. Also, if you're travelling to Italy and Croatia and you don't have the funds in their dominated currency, our smart conversion technology will take care of any conversion required. Check here: wi.se/smartconversiontech If you have any other concerns, feel free to reach out to us via Facebook, Instagram, or Twitter. Alternatively, you can email/call us using this link: wi.se/contactus

[@miKeBoY5959]

Just open wise app and scan on terminal to pay?

[@Wise]

Hi there! If you're referring to QR payments, then yes, you can do it via our app. Please have a look at this page for more detailed information on how to use your card with QR payments: wi.se/qrpayment Feel free to reach out via our other social media channels for more assistance (e.g. Instagram, Twitter, Facebook). We're always happy to help 💚

[@Wilkinson32T]

Hi, will they be likely to cogency a bank account from Mexico anytime soon?

[@Wise]

Hey there, Lloyd 👋 If we're understanding you correctly, you're wondering if we're opening MXN account details, is that right? We don't have a set timeframe on this, but as soon as it's ready for you, we'll be sure to let you know!

[@tlsvlog3168]

I have the app . How do I put money on the card for usd and yen. What is jar?

[@Wise]

Hey there. Our Wise card is connected to your balance - as long as you have money in your account, you'll be able to use your card. You can top up using USD and JPY (and other currencies) by following these steps: wi.se/addmoneytoyourbalances A Jar is kept separately from your balances as a way to organise your money. You won't be able to spend this money accidentally, as you’ll need to move it back to your balance first: wi.se/wisejars Hope this helps 🙂

[@la_chistera]

Can you buy an airplane ticket or other products online with this card?

[@Wise]

Hey, Daniel. You can pay with the Wise card online, and in most places where debit cards are accepted: wi.se/whereyoucanuseyourcard

[@dilipdnr]

This is a great video, thanks!!

[@Wise]

We're glad to hear that! You can also find out more about the Wise card in our FAQs 👉 wi.se/debitcardfaq_

[@ChroniSpecTrix01]

Why isn't the debit card available in Nevada? How can someone in that state obtain a card?

[@Wise]

Hey there 👋 We do follow regulations in every country we operate in and do face some limitations on the services we can offer in Nevada. So, you won't be able to obtain a card in that state right now. If anything changes though we'll be sure to let the public know.

[@craigpetty7038]

Do I need to use a bank account to use wise account?

[@Wise]

Hey, Craig. You don't need to have a bank account to open a Wise account. However, while topping up your Balance, the funds should come from a bank account under your name. We'll ask you to top up your Wise account, or pay a small fee, before you can get the Wise card. You should also pay for your transfers from a bank account/with a card under your name. Please feel free to contact us at wi.se/contactus or DM us on our other social media channels if you have any questions. We're here to help.

[@craigpetty7038]

@@Wise My other Question can I just use the wise card without a bank account ?

[@Wise]

You'll have to first pay a fee in order to get a Wise card, which needs to come from your bank account. Adding money to your card also has to be paid by bank transfer or a debit/credit card linked to your bank account - so that won't be possible.

[@sweetdragon36067]

I am a US resident that is currently living in Panama. Will I need to go to the US to activate my Wise debit card?

[@Wise]

You won't need to activate in the U.S, but we can't deliver internationally. And at this very moment we've had to temporarily pause issuing new cards to customers in the U.S: wi.se/usdebitcard

[@leondennis1760]

Going to Canada,will the rental car company accept Wise pre authorisation for security purposes?

[@Wise]

Hi, Leon! Our Wise cards function like debit cards, and they do accept authorisation or pre-authorisation transaction types: wi.se/pre-authorizedtransaction We would also advise you to check with the car rental company to see if there's any restrictions on their end.

[@shanekells999]

Can I activate the card without having the physical card and do an ATM transaction? Can I activate online?

[@Wise]

Hi. CHIP+PIN or a balance enquiry is needed to get the physical card up and running properly. We explain the process here: wi.se/activate 🙂 If you need any help, just let us know.

[@kimberlyteo6292]

Hello Wise. Just to check, can I add my Wise Card to Alipay and use it to pay for good and services in China?

[@Wise]

Hi 👋 Yes, you can add our card to Alipay and use it to pay for goods. More here: wise.com/us/blog/what-is-alipay.

[@nencygosal2588]

Hi Is it best to convert the local currency ready before use it to make a payment overseas ? , as I am from UK, and have some money in Pounds and SD in my wise account .

[@Wise]

It's actually up to you, Nency! You can convert it before you make a payment if you like the current rate, and it'll be ready for you to use. Or, if you don't convert, we'll take care of it automatically! This is called a smart conversion, and you can read more on how it works here 👉 wi.se/smartconversions If you have any questions, you can reach us here or from our contact page: wi.se/contactus_

[@TMob-xm4ey]

A lost card topic. If I'm abroad on holiday and my card is stolen or cannibalized by atm. Can you send me a new card to my vacation address? Are there any restrictions compared sending it to my residential address - different fees, delivery time, etc.?

[@Wise]

Yes, international delivery is available for Wise card replacement orders. More info here: wi.se/canigetinternationaldelivery 🔍

[@daveinthailand]

Hi I have used wise for years from the UK But i have moved to Thailand wise are emailing all the time saying open an account in Thailand but they say i cannot transfer baht outside the country or convert to any currency what is the point in opening an account ? Am i missing something ? Also can i get a card or virtual card in Thailand ?

[@Wise]

Hey, Dave 👋 We’re working hard to expand to all over the world, but there are still some regions where our card isn’t available, like Thailand. The virtual card won't be an option as well. You’re more than welcome to join our waitlist here: wi.se/joincardwaitlist, so you could be the first to know once we’ve landed in your country. Do note that if you've moved to another country, you'll need to update your address on your Wise account. You'll still be able to hold balances, send and receive money in multiple currencies. However, if you're interested in THB specifically, please check here: wi.se/guidetothb If you have additional questions, feel free to DM us on our other social media channels like Instagram, X, or Facebook, or give us an email/call here: wi.se/contactus. We'll be happy to help.

[@7rileyst]

There's an option in the app to convert, if I'm travelling to the Philippines from a foreign country where I have my local currency loaded, should I convert before I withdraw from an ATM in the Philippines?

[@Wise]

Hey there 👋 There’s no need to worry about converting money before travelling to the Philippines. If you spend money in a currency you already have in your balances, we'll deduct the amount for free. If you don’t have PHP we’ll automatically convert the amount for you. The money will be taken from whichever available balance has the cheapest conversion fee. See more here: wi.se/smartconversiontech If you have any other questions, please don't hesitate to reach out to us on our other social media platforms or via phone and email here: wi.se/contactus

[@7rileyst]

@@Wise thank you. But the purpose of the Convert option, it's there to lock in a good rate for example, or some other reason?

[@Wise]

The option to convert manually is there so you can choose to convert all your money when you see a desirable rate, or if you simply want to hold your funds in different currencies 😉

[@carpediem_centrumtenenda]

Hi! I live Australian and I was wondering do I have to activate my card at the ATM/chip and pin to do “tap”/contactless payments? Thanks.

[@Wise]

Hi Carpe 👋 If you’ve never used contactless, you need to use a card in an ATM or do a chip and PIN transaction one time before contactless can work. If the Chip and PIN payment gets declined, please use the card at an ATM for either: - Cash withdrawal - Balance enquiry Should anything remain unclear, feel free to DM on Facebook, Instagram, or Twitter or you can also call/email us at: wi.se/contactus_

[@DanaerysMOD]

Hi, I'm in the US and the Wise debit cards are currently unavailable. I'm traveling to Europe in 2 months, any idea how long it will be before we can get one here?

[@Wise]

Hey there! As of current, we don't have a tentative date yet as to when it'll be back available. However, if you've already submitted your interest in our waitlist here: wi.se/joincardwaitlist, you'll be the first to know as soon as it's made available.

[@gretirieger2051]

Is the physical Wise debit card the same as the Wise Travel currency card?

[@Wise]

Hey Greti 👋 Yes, both are referring to the same thing. If you're interested to get our physical card, you can check out your eligibility here: wi.se/cardavailability and follow the steps to apply for one: wi.se/getthedebitcard

[@y...salvador...y1497]

Can i keep using the virtual card without ordering the physical one?!

[@Wise]

Hey, there. We got back to your other comment but just to repeat. You should be able to get a digital card without a physical one if you live in the UK, Australia, Japan, New Zealand, Singapore, Malaysia, Switzerland, EEA, Brazil or Canada. For more info, check here: wi.se/wisedigitalcard Should have any trouble with this, please send us a DM on Instagram, Facebook, or Twitter. Alternatively, you can contact us via email/phone call here: wi.se/contactus

[@kikischannel2914]

I am studying in china but I am not a resident person, so. Am I reserve it in china or not?! Thank you so much

[@Wise]

Hey. there 😊 Whether you can order a Wise card depends on where you're residing: wi.se/cardavailability. The Wise card hasn't made its way to China just yet, but our team's working hard to expand its coverage. In the meantime, you can put it on our waitlist, and you'll be the first to know when it's available 👉 wi.se/joincardwaitlist

[@santley88]

Hey Wise, how would you recommend using the wise account/card if you work in Switzerland but are getting paid in the US? I have always heard to withdraw larger amounts via ATM in the local currency, but you say $200/CH200 with a limit of two before being charged a nominal fee. I am going back to CH in a few weeks so I want to see if WISE is going to work for me. FYI, paychecks are biweekly and the assignment length is probably 12+ months.

[@Wise]

Hey there, Sam. Thanks for reaching out! If you'd like to get and use your Wise card while working in Switzerland, you can withdraw money like you were mentioning, but you will get charged a fee on the third time, as well as when you withdraw more than 200 CHF in a month. With that being said, you can also just use your Wise card to spend money in Switzerland without needing to withdraw cash. You can add CHF to your Wise balance, and then you'll be able to use your card at any local merchants, stores, restaurants, etc. in Switzerland. If you only have USD in your Wise balance, though, you can still use your Wise card to spend money in Switzerland with our Smart Conversion technology. This means you can spend money in a currency you don't have in your Wise account, and we'll take money from the currency with the best mid-market rate at the time. For example, if you're being charged in CHF, but you only have USD in your account at the time. Read more about that here: wi.se/smartconversiontech We hope this clears things up a bit, but if you need anything else, please let us know. We're here for you.