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Virtual card.

A virtual card is a digital card that only exists on your phone, which is why at Wise, our virtual card feature is called the Wise digital card. Get all the benefits of the Wise card - spend online, in-store and abroad while saving on currency conversion fees, with the extra layer of security of the Wise digital card.
virtual card

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Available in 30+ countries. See availability.

Fully regulated by ASIC

What is the Wise virtual card?

What is a virtual card?

The Wise virtual card lets you spend using the real exchange rate online, in-store and while you travel - but exists only in your Wise account, either on your phone or laptop.

There’s no need to carry your wallet, and no risk of your card being compromised. Your virtual card has different details to your physical card, and can be frozen after each purchase. That means it’s a safe, smart and simple way to spend no matter where in the world you are.

Hold 50+ currencies at once, convert them in real time using the free Wise app, then spend online, in-store and abroad with your virtual card.

Currently to get the Wise virtual card you’ll first need to order a physical card. But don’t worry, you don’t need to wait for your physical card to arrive before you start spending on your virtual one.

Order the Wise card now→

virtual card

Spend safely online, in-store and abroad with the Wise virtual card.

Benefits of the Wise virtual card.
  • Make payments online and freeze your virtual debit card after each purchase.
  • Your global virtual card number is different to your physical card number, adding an extra layer of security for your purchases.
  • Have up to 3 virtual cards at a time, and use them to manage your spending by using different cards for different expense types.
  • Shop wherever in the world contactless payments are accepted using Apple Pay, Google Pay or another virtual wallet of your choice, all at the real exchange rate.
  • Once you’ve ordered your physical card, you can get a Wise virtual card immediately in the Wise app, and start spending.
  • The Wise virtual card is free to all customers with personal or business Wise accounts! (except our customers in the US or Japan)

Get your card today→

virtual card benefits

Create your virtual card in 3 simple steps.

Order your card and top up your account.

Order your card and top up your account.

Create your free Wise account in just a few minutes, and order your physical card. Open a balance in any of the 50+ currencies available, and top your account up to get started.

Click 'Get a digital card.'

Click 'Get a digital card.'

In the Wise app, you'll find the virtual card option under the name 'digital card'. Slide your cards to the right until you see the purple card appear. Click ‘Get a digital card’. Or if you’re on the website, access the cards tab and find the same option. It’s really that simple.

Spend quickly and safely without rip-off fees.

Spend quickly and safely without rip-off fees.

Start using your virtual card straight away, and take advantage of all Wise has to offer - low currency conversion fees and currency exchange at the mid-market rate.

Who is the virtual card great for?

  • For travellers who want an additional layer of security while spending abroad.
  • For ecommerce shoppers who want to ensure their financial details aren’t compromised when buying from new sites at home and abroad.
  • For environmentally conscious consumers - virtual cards reduce plastic waste!
  • For ‘where’s my wallet?’ people - your virtual card lives entirely online in your Wise account making it easily accessible, anytime.

Order the Wise card now→

people with virtual card

The Wise virtual card is safe and secure.

  • The Wise virtual card isn’t physical. That means it can’t be stolen and re-used.
  • Freeze your card within the app after each purchase - and un-freeze just as easily when you’re ready to use it again.
  • Use your virtual card details if you don’t fully trust the company you’re purchasing from - you don’t have to share your primary card details.
  • Instantly replace your card details if you think your account has been compromised.
  • Set up subscriptions with your virtual card and freeze it afterwards to make sure no additional transactions are debited without your knowledge.
virtual card is safe

Virtual card FAQ.

You can use your virtual visa debit card with Apple Pay, Google Pay, Fitbit Pay and Garmin Pay.

Some prepaid virtual cards can come with different fees such as initial load fees, reload fees, service and inactivity fees. The Wise virtual debit card allows you to add money to your card without fees by sending it through your bank, and you can then spend in any available currency using the mid-market exchange rate.

Wise is an authorised Electronic Money Institution independently regulated by ASIC in Australia.

This means we're required by law to keep your money safe by storing it in low-risk financial institutions like JP Morgan Chase, Deutsche Bank, and Barclays.

Plus, you can freeze your virtual card after each purchase to make it almost impossible for your account to be compromised.

Get your virtual card today and start spending safely.

Get your virtual card.

Start spending safely online, in-store and abroad.

Order your card now