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Fees for the Wise Business card

Spend all over the world at the real exchange rate, with low conversion fees and no subscription charge.

For businesses in Japan
Switch to Wise Personal
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Spend anywhere, with low conversion fees

Buy things online in any currency, or pay for things on holiday. If you don’t have the currency you need in your Wise Account, we’ll auto-convert it with the lowest possible fee.

Getting Wise Business cards for your team

Order your card now
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First card on the account

No subscription fees


Cards for team members

A one-time cost per card

640 JPY

Card replacement fee

Card gone walkies? No worries

640 JPY

Standard delivery

Included in your fee


Optional express delivery

Delivery in 1-2 days with DHL

From 1,298 JPY

Account Funding transactions

Applies to transactions that include topping up e-wallets and other accounts in certain currencies, see FAQ.


Withdrawing money from an ATM.

Make 2 withdrawals of up to 30000 JPY each month for free per account. After that, we’ll charge 70 JPY per withdrawal. There’s a 1.75% fee on any amount you withdraw above 30000 JPY.

Fees vary depending on the country where your card was issued and your country of residence. You can check which fees apply here.

Less than 30000 JPY per monthMore than 30000 JPY per month
2 or less withdrawalsFree1.75% of the amount over 30000 JPY
3 or more withdrawals70 JPY per withdrawal70 JPY + 1.75% of amount over 30000 JPY

Top tips for using your Wise card

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Check you’re paying in the local currency.

To avoid hidden fees, always check you’re paying in the local currency of the business you’re buying from — whether that’s in person or online.

Some merchants may try to charge you in your home currency, then mark up the exchange rate.

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Never pay subscription fees.

Recurring fees can get out of control.

So we charge a one-time 640 JPY fee for each card you order on your account (your first one is free). And that’s it.

No spiralling monthly costs every time you add a cardholder.

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Get help from a real person

Business questions can be complex. You need a person, not a bot.

We have experts around the world, ready to help you whenever, and wherever, you need it.

And always for free.