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The Wise card for kids

Get a Young Explorer card for 6-17 year olds.

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Person paying with card

How it works

young explorer card

1

Order a Young Explorer card

You'll just pay a one-off fee for the physical card.



You must be their parent or guardian, and a Wise customer. If you’re not yet, you can set up an account first.

young explorer balance

2

Add money

They'll spend directly from money you set aside — you can add money from your Wise account or an external account.

wise kids limit screenshot

3

Set spending limits

Choose how much they can spend and withdraw from ATMs, in a day and over a month.

Freedom to spend like you

Just like the Wise card, Young Explorer works in-store, online and at ATMs worldwide.

They can spend and withdraw in the same currencies, at the same rates as you, with age-appropriate merchant controls.

people at an atm

Top-ups in a tap

If they run out of money, you can top up their card — wherever they are, in whatever currency they need. You can also give access to another adult to help do the same.

person holding a phone at a dinner table

Shared app access

Give them limited access to your app through their own login. They’ll only see the money you share with them and their own transactions — they won’t see any other part of your account.

You’ll have full control over their spending limits and controls, and will see all of their spending through your view of the app.

frequently asked questions

Young Explorer comes with no monthly subscription — you'll just pay a 10 AUD one-off fee for the physical card. When your child spends on their card, they'll get the same benefits as you — with no exchange rate markups or high transaction fees.

Your child will spend directly from money you set aside for them. Nobody else can access this, and only you can add money for them.

  1. Log in to your account and scroll horizontally to the relevant group name — for example, ‘John's money’
  2. You’ll see an option to ‘Add’ money — choose ‘Add’
  3. If you have currencies in your account, you’ll be asked whether you want to top up their card with one of your currencies or from a different bank or card
  4. If you don’t have currencies in your account, you’ll just see the option to add from a different bank or card
  5. Once you’ve made your choice, the money will be added and your child can start spending straight away
If you're adding money from your Wise account, you'll also see the option to schedule a regular allowance for your child.

The money your child spends is still legally yours, so you’re responsible for how they use their card, and what they buy.
We have controls in place to block payments to certain merchants not suitable for under 18s, which will automatically be applied to your child’s card. While we try our best to make sure these payments are blocked, there may be times when a merchant is not blocked by mistake.
We can’t stop your child from buying inappropriate things from a merchant that isn’t blocked, for example if they attempted to buy alcohol in a supermarket or corner shop (which are approved merchants).
If you’re worried about your child’s spending, you can set limits for them, monitor their spend and control whether they can use their card online, in store and at ATMs — all from within your account.

As soon as they turn 18, they’re eligible to apply for a Wise card.
Your child’s Young Explorer card will keep working for 3 months after they turn 18. After that, their card will be cancelled and any remaining currencies will be moved to your main Wise account.