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How much are spending fees?

For the most up to date information on your fees, please see the Terms of Use for your region.

There’s a lot you can do with your Wise card for free. And we charge transparent fees for spending in currencies you don’t have in your account and withdrawing cash after a certain amount.

Getting your card

We might ask you to add money to your balances or pay a small fee to get the card.

Spending with your card 

  • If you have the currency in your account, it’s free

  • If you don’t have the currency in your account, there’s a conversion fee. Check our pricing.

  • For Brazil cardholders: please keep in mind that the smart conversion will not work for Brazilian cards when the BRL balance is involved. You can learn more here.

  • If you’re spending online, the seller might try to charge their own conversion fee. This could happen even if you have the other currency in your account. To avoid this, ask the seller to charge you in the currency you want

Withdrawing cash from an ATM

You get 2 free withdrawals up to 200 GBP total (or whatever currency is equivalent) per month.

Learn more about ATM fees

Replacing your card 

If you need to replace your card, you might need to pay a small fee to receive a new one. It helps us cover the cost of getting it made and delivered to you.

Check how much it will cost for you 

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  • How much does it cost to withdraw cash?
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Wise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.