Where will my Wise card work?

Generally, you can pay with your Wise card in most places where debit cards are accepted.

If you’re planning on taking your card abroad, check here to see where it will or won't work, how online payments work, and more about cash withdrawals.

Regions where cards will work

Which countries or regions will my card work in?

Most places in the world — see the table below for details.

Just check whether your card is a Mastercard or Visa, and check if the ATM, retail point, or online service you're using can accept your card.

Which countries or regions will my card not work in?

There are some places you won't be able to use your card. This also depends on where your Wise card was issued. Check the table to see where you can't use your card depending on the issuing country.

Wise cards issued anywhere won't work here:

Afghanistan, Burundi, Central African Republic, Chad, Congo (Democratic Republic of the Congo), Cuba, Eritrea, Iran, Iraq, Libya, North Korea, Russia, Somalia, Sudan, South Sudan, Syria, Venezuela, Yemen

Where your card was issuedWhere your card won't work
Most places except Indonesia, Malaysia and the USBelarus, Crimea, Donetsk and Luhansk People’s Republics (DNR and LNR), Kherson, Palestinian Territories, Zaporizhzhia
IndonesiaIndonesia (domestic payments)
MalaysiaBelarus, Myanmar
US personal customersBelarus, Bolivia, Cambodia, Cote d’Ivoire, Ethiopia, Kenya, Lebanon, Nepal, Niger, Pakistan, Paraguay, Sao Tome and Principe, Sri Lanka, Tajikistan, Tanzania, Turkmenistan, Uganda, Vietnam

Online payments

You can use your Wise card to make online payments. For some online payments, you’ll be asked to approve the payment from your Wise app, or using a code sent by SMS or call. This is called a 3D Secure (3DS) online payment and is an added level of security some websites ask for. Once you approve, your payment will go through as normal.

Some websites only accept locally issued cards. So if your online payment gets declined, that might be why.

Cash withdrawals

You can also withdraw cash from most ATMs — except the countries specified above for US and non-US cards respectively. If you don’t know of any ATM near you, just use the Mastercard ATM locator or Visa ATM locator to find one.

Be sure to check our pricing page on the latest fees, and a breakdown of how those fees work.

Canada

If you got your debit card in Canada, you can't withdraw locally from Canada. You can withdraw from international ATMs outside of Canada when you travel.

Japan

If you got your debit card in Japan, you can make payments around the world and withdraw from ATMs overseas. You also might be able to use your card at these ATMs in Japan:

  • AEON

  • Family Mart

  • Daily Yamazaki

Philippines

If you got your debit card in the Philippines, you can make payments around the world and withdraw from ATMs overseas. You also can use your card locally at these ATM machines in the Philippines:

  • BDO Unibank

  • Bank of the Philippine Islands

  • Euronet

  • EastWest Bank

  • Metrobank

Singapore

If you got your debit card in Singapore, you can't withdraw locally from Singapore. You can withdraw from international ATMs outside of Singapore when you travel.

Some ATMs may charge a third party fee. Always review the fees you see on the screen before withdrawing your cash.

Was this article helpful?

Related articles