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What are my spending limits?

There are limits on how much you can spend with your Wise card and withdraw from ATMs. 

For all cardholders, there are monthly limits that reset on the first day of each month. There are also daily limits that reset each day at midnight. 

Unless you’re a US or Brazilian cardholder, your daily limits are the same as your monthly limits. You can change this in the app or on the website.

If you change your registered address after moving to another country and order a new card, we’ll automatically update the limits for all your cards. They’ll reflect the limits that apply to your new country of residence.

CountryMonthly spending limitMonthly ATM withdrawal limit
UK30,000 GBP4,000 GBP
EU30,000 EUR4,000 EUR
Japan4,000,000 JPY530,000 JPY
Malaysia170,000 MYR23,000 MYR
Singapore30,000 SGD7,000 SGD
Canada55,000 CAD7,000 CAD
Australia52,500 AUD7,000 AUD
New Zealand52,500 NZD7,000 NZD

Limits for Japan cardholders

If your card was issued in Japan, you can’t spend more than 1,000,000 JPY with a single transaction. This limit is in addition to your monthly spending and withdrawal limits. 

Limits if you live in Singapore

You can’t spend or send more than 30,000 SGD in 12 months.

Find out more about spending limits in Singapore

If you’re a US or Brazilian cardholder

Your Wise card has separate limits depending on payment type, and how often you spend. There’s:

  • Single payment — how much you can spend or withdraw at one time

  • Daily — how much you can spend or withdraw in one day

  • Monthly — how much you can spend or withdraw in one month

Each payment type has two limits: default and maximum. 

Your daily limit refreshes every day at midnight. Your monthly limit refreshes on the first day of every month.

When you first get your Wise card, we put you on our default limits. 

Limits for US cardholders

Limits are in USD for American cardholders.

Limits per transaction typeSingle paymentDailyMonthly
Chip and PIN/ mobile walletDefault: 1,000 Max: 2,000Default: 1,000 Max: 2,000Default: 5,000 Max: 15,000
ATM withdrawalDefault: 250 Max: 1,000Default: 250 Max: 1,000Default: 1,500 Max: 6,000
ContactlessDefault: 200 Max: 400Default: 500 Max: 1,000Default: 1,500 Max: 4,000
Magnetic stripeDefault: 1,000 Max: 1,500Default: 1,000 Max: 1,500Default: 1,500 Max: 6,000
Online purchaseDefault: 1,000 Max: 2,000Default: 1,000 Max: 2,000Default: 1,500 Max: 6,000

Limits for Brazilian cardholders

Limits are in BRL for Brazil cardholders.

Limits per transaction typeSingle paymentDailyMonthly
Chip and PIN/ mobile walletDefault: 10,000 Max: 40,000Default: 12,000 Max: 40,000Default: 40,000 Max: 120,000
ATM withdrawalDefault: 4,000 Max: 4,000Default: 6,000 Max: 6,000Default: 12,000 Max: 20,000
ContactlessDefault: 2,000 Max: 5,000Default: 2,000 Max: 5,000Default: 15,000 Max: 20,000
Magnetic stripeDefault: 1,000 Max: 5,000Default: 2,000 Max: 5,000Default: 6,000 Max:20,000
Online purchaseDefault: 7,500 Max: 40,000Default: 7,500 Max: 40,000Default: 15,000 Max: 120,000

Limits for business customers

If you’re a sole trader, your limits are the same as the limits on this page.

If you’re not a sole trader, you have separate business limits. 

Learn more about business spending limits

Change your limits

You can change your spending and withdrawal limits — both in the app and on the website.

Check how to change your limits

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© Wise Payments Limited 2023

Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.

All investment services are provided by the respective Wise Assets entity in your location.