We've temporarily stopped issuing cards to businesses based in the US. If you try to get a card for your US business, we'll record your request and notify you once they're available again. If you already have Wise Business cards, we've emailed you about what's changing - please check your emails.
There’s limits on the amount your team can spend with cards and withdraw from ATMs. There’s:
daily limits which reset every day at midnight
monthly limits which reset on the first day of each month
These limits apply across one business account. If one team member reaches the daily limit for ATM withdrawals, other team members won’t be able to withdraw more money from the business account until the limit refreshes at midnight.
Different limits apply to different businesses. It depends on where your business is registered and if you’re a sole trader or not.
If you’re a sole trader
Your limits are the same as a personal customer’s limits.
If you have a business but aren’t a sole trader
If your business changes its registered address after moving to another country and orders a new card, we’ll update the limits for all your cards. They’ll reflect the limits that apply to the new country.
| Where your business is registered | Monthly spending limit | Monthly ATM withdrawal limit |
|---|---|---|
| UK | 45,000 GBP | 4,000 GBP |
| EU | 45,000 EUR | 4,000 EUR |
| Japan | 6,000,000 JPY | 530,000 JPY |
| Singapore | 78,750 SGD | 7,000 SGD |
| Canada | 82,500 CAD | 7,000 CAD |
| Australia | 78,750 AUD | 7,000 AUD |
| New Zealand | 78,750 NZD | 7,000 NZD |
If your business is registered in Japan
In addition to your team’s spending and withdrawal limits, they can’t spend more than 1,000,000 JPY in a single transaction.
If your business is registered in the US
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 per transaction type | Single payment | Daily | Monthly |
|---|---|---|---|
| Chip and PIN | Default: 4,000 USD Max: 15,000 USD | Default: 4,000 USD Max: 15,000 USD | Default: 15,000 USD Max: 45,000 USD |
| ATM withdrawal | Default: 1,500 USD Max: 1,500 USD | Default: 2,000 USD Max: 2,000 USD | Default: 4,500 USD Max: 6,000 USD |
| Contactless | Default: 1,000 USD Max: 1,000 USD | Default: 1,000 USD Max: 1,500 USD | Default: 6,000 USD Max: 6,000 USD |
| Magnetic stripe | Default: 500 USD Max: 2,000 USD | Default: 600 USD Max: 2,000 USD | Default: 2,000 USD Max: 8,000 USD |
| Online purchase | Default: 1,500 USD Max: 15,000 USD | Default: 1,500 USD Max: 15,000 USD | Default: 3,000 USD Max: 45,000 USD |
Change your limits
You can change your team’s spending and withdrawal limits — both in the app and on the website.