Your Wise card comes with default and maximum limits. You can always choose either one in your Wise app, or turn off a specific type of payment completely.
There are different limits for cardholders in different countries, so keep in mind where you ordered your card.
Contactless: common in Europe, UK, Australia, New Zealand, Japan and Singapore. You might have to enter your PIN the first time. ATM withdrawal: 2 free withdrawals up to 200 GBP total (or whatever currency is equivalent) per month. Learn more about ATM fees.
Daily limit: refreshes every day at midnight. Check the exact time in the app. Monthly limit: refreshes on the first day of each month.
Choose which card you have to see your limits.
Limits for UK/EU cardholders Limits for Australian, New Zealand, and Singapore cardholders Limits for US cardholders Limits for the Wise Business card
Limits for UK/EU cardholders
Limits are in GBP for UK and EUR for EU cardholders.
| Limits per transaction type | Single payment | Daily | Monthly |
|---|---|---|---|
| Chip and PIN/mobile wallets* | Default: 2,500Max: 10,000 | Default: 3,000Max: 10,000 | Default: 10,000Max: 30,000 |
| ATM withdrawal | Default: 1,000Max: 1,000 | Default: 1,500Max: 1,500 | Default: 3,000Max: 4,000 |
| Contactless | Default: 500Max: 500 | Default: 500Max: 1,000 | Default: 4,000Max: 4,000 |
| Magnetic stripe | Default: 300Max: 1,200 | Default: 400Max: 1,200 | Default: 1,200Max: 6,000 |
| Online purchase | Default: 1,000Max: 10,000 | Default: 1,000Max: 10,000 | Default: 2,000Max: 30,000 |
*Transactions made by Google Pay, Apple Pay, Samsung Pay, Fitbit Pay or Garmin Pay count towards your chip and PIN limits for UK and EU cardholders.
Limits for Australian, New Zealand, and Singapore cardholders
Limits are in AUD for Australian cardholders, NZD for New Zealand cardholders, and SGD for Singapore cardholders.
| Limits per transaction type | Single payment | Daily | Monthly |
|---|---|---|---|
| Chip and PIN | Default: 4,300Max: 17,500 | Default: 5,300Max: 17,500 | Default: 17,500Max: 52,500 |
| ATM withdrawal | Default: 1,750Max: 1,750 | Default: 2,700Max: 2,700 | Default: 5,250Max: 7,000 |
| Contactless | Default: 900Max: 900 | Default: 900Max: 1,750 | Default: 7,000Max: 7,000 |
| Magnetic stripe | Default: 550Max: 2,100 | Default: 700Max: 2,100 | Default: 2,100Max: 10,500 |
| Online purchase | Default: 1,750Max: 17,500 | Default: 1,750Max: 17,500 | Default: 3,500Max: 52,500 |
Limits for US cardholders
Limits are in USD for American cardholders.
| Limits per transaction type | Single payment | Daily | Monthly |
|---|---|---|---|
| Chip and PIN | Default: 1,000Max: 2,000 | Default: 1,000Max: 2,000 | Default: 5,000Max: 10,000 |
| ATM withdrawal | Default: 250Max: 1,000 | Default: 250Max: 1,000 | Default: 1,500Max: 4,000 |
| Apple Pay/Google Pay/Samsung Pay | Default: 200Max: 400 | Default: 500Max: 1,000 | Default: 1,500Max: 4,000 |
| Magnetic stripe | Default: 1,000Max: 1,500 | Default: 1,000Max: 1,500 | Default: 1,500Max: 6,000 |
| Online purchase | Default: 1,000Max: 2,000 | Default: 1,000Max: 2,000 | Default: 2,000Max: 10,000 |
Limits for Japanese cardholders
Limits are in JPY for Japanese cardholders
| Limits per transaction type | Single payment | Daily | Monthly |
|---|---|---|---|
| Chip and PIN | Default: 325,000 Max: 1,000,000 | Default: 400,000 Max: 1,300,000 | Default: 1,300,000 Max: 4,000,000 |
| ATM withdrawal | Default: 130,000 Max: 130,000 | Default: 200,000 Max: 200,000 | Default: 400,000 Max: 530,000 |
| Magnetic stripe | Default: 41,500 Max: 160,000 | Default: 53,000 Max: 160,000 | Default: 160,000 Max: 790,000 |
| Online purchase | Default: 130,000 Max: 1,000,000 | Default: 130,000 Max: 1,300,000 | Default: 265,000 Max: 4,000,000 |
Limits for the Wise Business card
The spending limits for the Wise Business card are the same as the UK/EU/AU/NZ/JPY limits shown above. With the exception of online purchases, these are set to the max limit and can’t be lowered.