From 1st May 2026, we'll be updating the structure of free ATM withdrawals and the fees.
Countries under Europe: Austria, Belgium, Bulgaria, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, and Spain.
ATM withdrawal threshold and charges are based on where your latest card was issued. It's usually the registered address on your Wise account. Some ATM providers may charge additional fees
| Country | ATM withdrawal fees |
|---|---|
| Australia | Free withdrawals up to 400 AUD/month. A 2.69% fee applies to any amount in excess of the monthly 400 AUD free withdrawal allowance. |
| Brazil | 1 free withdrawal. A 20 BRL fixed fee applies to subsequent withdrawals. |
| Canada | Free withdrawals up to 100 CAD/month. A 2.69 CAD fixed and 2.69% variable fee applies to any amount in excess of the monthly 100 CAD fee withdrawal allowance. Due to regulations, Canadian cards won't be able to withdraw locally. |
| Czech Republic | Free withdrawals up to 6000 CZK/month. A 2.69% variable fee applies to any amount in excess of the monthly 6000 CZK fee withdrawal allowance. |
| Denmark | Free withdrawals up to 1800 DKK/month. A 2.69% variable fee applies to any amount in excess of the monthly 1800 DKK fee withdrawal allowance. |
| Europe | Free withdrawals up to 250 EUR/month. A 2.69% fee applies to any amount in excess of the monthly 250 EUR free withdrawal allowance. |
| Hungary | Free withdrawals up to 300,000 HUF/month. A 3.59% fee applies to any amount in excess of the monthly 300,000 HUF free withdrawal allowance. |
| Iceland | Free withdrawals up to 35,000 ISK/month. A 2.69% fee applies to any amount in excess of the monthly 35,000 ISK free withdrawal allowance. |
| India | Free withdrawals up to 200 USD/month. A 1.40 USD fixed and 3.25% variable fee applies to any amount in excess of the monthly 200 USD free withdrawal allowance. |
| Japan | Free withdrawals up to 25,000 JPY/month. A 100 JPY fixed + 1.75% variable fee applies to any amount in excess of the monthly 25,000 JPY free withdrawal allowance. |
| Liechtenstein | Free withdrawals up to 230 CHF/month. A 2.69% fee applies to any amount in excess of the monthly 230 CHF free withdrawal allowance. |
| New Zealand | Free withdrawals up to 400 NZD/month. A 2.69% fee applies to any amount in excess of the monthly 400 NZD free withdrawal allowance. |
| Norway | Free withdrawals up to 2900 NOK/month. A 2.69% fee applies to any amount in excess of the monthly 2900 NOK free withdrawal allowance. |
| Philippines | Free withdrawals up to 13,000 PHP/month. A 2.69% fee applies to any amount in excess of the monthly 13,000 PHP free withdrawal allowance. |
| Poland | Free withdrawals up to 1000 PLN/month. A 2.69% fee applies to any amount in excess of the monthly 1000 PLN free withdrawal allowance. |
| Romania | Free withdrawals up to 1200 RON/month. A 2.69% fee applies to any amount in excess of the monthly 1200 RON free withdrawal allowance. |
| Singapore | Free withdrawals up to 100 SGD/month. A 1.75% fee applies to any amount in excess of the monthly 100 SGD free withdrawal allowance. Due to regulations, Singapore cards will not be able to withdraw locally. |
| Sweden | Free withdrawals up to 2700 SEK/month. A 2.69% fee applies to any amount in excess of the monthly 2700 SEK free withdrawal allowance. |
| Switzerland | Free withdrawals up to 230 CHF/month. A 2.69% fee applies to any amount in excess of the monthly 230 CHF free withdrawal allowance. |
| United Kingdom | Free withdrawals up to 250 GBP/month. A 2.69% fee applies to any amount in excess of the monthly 250 GBP free withdrawal allowance. |
| United States | Free withdrawals up to 250 USD/month. A 1.95 USD fixed + 1.95% variable fee applies to any amount in excess of the monthly 250 USD free withdrawal allowance. |