Your Wise card payment can be declined for a number of reasons — we’ll usually send you a notification explaining why.
How to get your card working again
Here are solutions to common card problems that might fix your issue.
Reactivate contactless
If your contactless payment didn’t work, try paying using chip and PIN instead. This re-activates contactless payments if they were blocked for technical or security reasons.
Not enough money in your balance
Your payment might've been declined because there wasn't enough money in your balance to pay for it. Top up your balance to continue using your card through these steps
Go to the Home page to see your declined transaction under Tasks.
Select Add money
Follow the steps to enter the amount you’d like to top up, and the currency you want to pay with
Once the money is in your account, you can use your card again
Increase your spending limits
There are limits to how much money you can spend on your card. You can increase your spending limits on your Wise account.
Unfreeze your card
You can unfreeze your card in one of two ways:
Go to the Home page to see your declined transaction under Tasks, then click Unfreeze your card, or
Go to the Card page, then click Unfreeze card.
Tasks
On the home page, you'll see your declined transaction with the message: Declined — your card is frozen. You can then either Unfreeze card, or Dismiss the message.
Cards tab
Go to your Cards tab, then select Unfreeze card.
Enable chip and PIN
You can enable chip and PIN payments on your Wise account:
Select Card
Select Manage payment methods
Toggle Chip and PIN on
Some online payments technically count as a chip and PIN transaction, so you need to enable it on your Wise card to complete the transaction.
Activate your card
Most customers don’t have to activate their Wise card in order to start using it, but some do. Check if you’re in a country where you need to activate your Wise card manually.
Card problems we can’t help with
Sometimes, your card will be declined for reasons outside our control, such as:
The merchant’s payment system doesn’t support Wise card
You’re spending in one of the countries Wise card doesn’t work in
We blocked it for security reasons (we might not be able to tell you why)
Unfortunately, if one of these is your issue, you’ll need to use another payment method.