Help Centre EN Log in Register Help home Wise card Getting started with the Wise card The Wise card lets you spend money around the world with low conversion fees and zero transaction fees. It’s currently available for Wise account-holder residents in Australia, the EEA, Japan, New Zealand, Singapore, Malaysia, Switzerland, the UK, the US and Canada. Here are some tips to help you get started. 1. Get your card details on the app or website For cards issued in these countries, you can see your card number, expiry date, and CVV any time on the app or website: the UK the EEA Switzerland Australia New Zealand Singapore Japan Malaysia Canada For cards issued in the US, you can set your own PIN when you activate your card. 2. Activate your card immediately Non-US cardholders To activate your card: make your first payment at a physical store with your PIN, or use it at an ATM. Once activated, you can use your card any time, as long as you have money in your account. Tip: if you are trying to activate your card in Japan, remember you can only use one of these ATMs: AEON, Family Mart E-net, Viewcard, Daily Yamazaki. US cardholders To activate your card: go to your Wise account in the app or website, and enter the 6-digit code that’s on the card. Once activated, you can use your card any time, as long as you have money in your account. Learn more about activating your card 3. Add money to your Wise account To pay with your card, you’ll need money in your Wise account. Add money by opening the Wise app, choosing the currency you’d like to add money to, and how much you’d like to add. Then, choose to pay using different payment methods like bank transfer or card. 4. Leave the conversion to us 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 the currency in your account, we’ll automatically convert the amount for you. We’ll take it from whichever available balance has the cheapest conversion fee. So there’s no need to worry about converting money before travelling. 5. Always choose the local currency Sometimes, ATMs, shops, and online stores are sneaky — they try to charge you more when you withdraw cash or buy something abroad. They do it by offering to charge you in your home currency, then marking up the exchange rate. Avoid these hidden fees by always choosing to be charged in the local currency of where you are. 6. Get free ATM withdrawals You have 2 free withdrawals every month up to the following amounts, depending on where your card is issued. You can track your limits in the app or website. Cards issued in Europe or the UK — 200 GBP/EUR Cards issued in Australia, New Zealand and Singapore — 350 AUD/NZD/SGD Cards issued in Japan — 30,000 JPY Cards issued in the US — 100 USD Cards issued in Malaysia — 1000 MYR Cards issued in Canada — 350 CAD equivalent (note that due to local regulations, you won’t be able to withdraw money from ATMs within Canadian borders using a Canadian card.) If the ATM asks you for a 6-digit PIN, always use your 4-digit PIN as you normally would. Learn more about our ATM fees Was this article helpful? 🙂 Yes 🙁 No Related articles How to pay by card Can I receive money to my Wise card? Getting started with your Wise digital card How do I get a Wise card? What do I need to do to get my Wise card in the US? Company and team Company and team News and blog Press Careers Affiliates and partnerships Modern slavery statement Wise Business Investor relations Help and support Help centre Mid-market rate Learn more Send money abroad Swift/BIC codes Currency converter IBAN codes Rate alerts Compare exchange rates Security Follow us Legal Privacy policy Cookie Policy Country site map © Wise Payments Limited 2021 Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money. Are you ok with optional cookies? They let us give you a better experience, improve our products, and keep our marketing costs down. We won’t turn them on until you accept. Learn more in our cookie policy. Accept Decline