You can use your Wise card like any other bank card to withdraw money at ATMs around the world.
The exact fees you pay depend on where your card was issued — it’s usually the registered address on your Wise account.
How can I check what my withdrawal fees are?
Here’s how to check what your fees are, how much you can still withdraw for free, and when your free allowance limit resets on your account.
On the app:
Go to the Card tab
Under the Manage card section select Limits
Select ATM Withdrawals. You'll see your daily and monthly limits and when they'll reset.
Select ATM fees to see your free allowance
On web:
Go to the Card tab
Select Edit limits on the top right
Select ATM withdrawal limits. You'll see your daily and monthly limit and when they'll reset.
Select ATM fees to see your free allowance
You can also check on our pricing page next to “Withdrawing money from an ATM”.
Make sure to set the correct location from the top right corner of the page to see fees for your region.
Tips to save money when withdrawing cash
Limit the number of withdrawals you make — you can make 2 free withdrawals each month. After that, you’ll pay a fixed fee per withdrawal.
Limit the amount you withdraw — if you withdraw over a certain amount, you’ll be charged a variable fee which changes based on how much you’re withdrawing.
If the ATM asks to convert the money for you, we recommend saying no because they often charge an unfair exchange rate.
If the ATM asks to debit in your home currency or local currency, select local. For example, if you’re travelling in the US, select USD.
Note: If you withdraw cash in a currency you're not currently holding, we'll charge a conversion fee to convert it for you. Check our fees here.
How do withdrawal fees work?
There are two types of fees we charge for ATM withdrawals, which are based on how many times you withdraw, and how much you withdraw.
How many times you withdraw
You get 2 free withdrawals per calendar month. After your second withdrawal, we’ll charge a small fixed fee per withdrawal.
For example, if your card has a fixed fee of .50 EUR and you withdraw 10 EUR or 100 EUR the fixed fee would be .50 EUR either way.
We charge a fixed fee from the third withdrawal onwards — regardless of how much money you've withdrawn that month.
How much you withdraw
Each calendar month you have a free withdrawal allowance — you can withdraw money up to that amount without any variable fees.
A variable fee changes based on how much you withdraw. For example, if your card was issued in the EEA and has a 1.75% variable fee and you withdraw 100 EUR, then the variable fee would be 1.75 EUR.
We charge the variable fee for every withdrawal on your Wise card over your monthly allowance, regardless of how many times you made a withdrawal that month.
What counts towards my free withdrawal allowance?
If you have multiple cards on your account, the fees apply per account.
Wise withdrawal fees and third-party ATM fees are counted towards the withdrawal limits.
Unsuccessful withdrawal attempts may count towards your limits and free allowance.
If you've used up your free amount in one withdraw, the next one will be charged.
Why was I charged more fees by the ATM?
Some ATMs may charge additional fees over what we charge. We have no way of predicting those charges, but they’re usually visible on the ATM before you agree to the withdrawal.
Do my fees and limits change if I move to a new country?
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.