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Fees for the Wise card

Spend anywhere in the world at the real exchange rate, with low conversion fees. And never pay for subscription.

For residents in Japan
Switch to Wise Business
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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 your Wise card

Order your card now
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Ordering your card

No subscription fees

1,200 JPY

Optional express delivery

Get it delivered in 1-2 days

From 1,298 JPY

Replacing your card

Order a new card at any time

640 JPY

Replacing an expired card

We’ll remind you when it’s time to order a new one


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.

Sometimes, ATMs, shops, and online stores offer to charge you in your home currency. Then, they mark up the exchange rate.

Avoid these hidden fees by always choosing to be charged in the local currency of where you are.

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Stay up-to-date with notifications.

Whenever you spend with the Wise card, we’ll send you notification to your phone confirming the amount — and any conversion fees.

Use your app to update your notification preferences in Settings.

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Save money by withdrawing larger amounts.

Taking money out for holiday? It’s cheaper to make one big withdrawal than multiple smaller ones.

This will save you from paying the fixed 70 JPY fee each time.