Wise Debit Card

: 2024 Review

Best for international spending
US$9 to order a card
United States


Wise Debit Card

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The Wise card is a versatile debit card that can be used to spend and withdraw money in over 160 countries around the world. It is accepted at any merchant or ATM that accepts Visa or Mastercard.

The Wise card offers the mid-market exchange rate on all foreign currency transactions, with low fees of just 0.43%. This means that you can save money on your travel expenses by using the Wise card instead of a traditional bank card.

How to apply:

  • Create a Wise account. You can do this on the Wise website or app
  • Verify your identity. You will need to upload a copy of your ID and proof of address
  • Add funds to your account. You can do this by bank transfer or debit card
  • Order your card. You can order your card for a one-time fee of US$9
  • No minimum income required

Key benefits

  • Transact in 40+ different currencies whenever you travel or shop online with Wise’s preferential mid-market conversion rates
  • Withdraw up to S$350 cash for free every month at any ATM around the world

Other benefits

  • Receive money in your local currency, provided you have a local bank account
  • Send and receive money with just a mobile number when you link Wise with PayNow
  • Pay businesses (and receive payments as a business) with just a Unique Entity Number (UEN)
  • No minimum balance or membership required
  • Suitable for both personal and business use
  • Get a virtual card for no extra charge and link with Google or Apple Pay
  • Shop online globally without losing on exchange rates with low conversion costs from 0.43%


  • US$9 to order a card
  • .35% to 1% for currency exchange transactions

Sources: Moneymate

Dexter Zhuang
Dexter Zhuang

Dexter is the founder of Money Abroad, an online education platform helping high-performers design their independent money path. He has 10+ years of experience building products and teams at public companies (Dropbox) and scaling startups (Xendit) across the US, Asia, and Latin America. His work has been featured in global outlets like Business Insider, CBS, US News & World Report, and Tech in Asia. He graduated from Dartmouth College.

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