There are limits on how much you can spend with your Wise card and withdraw from ATMs.
Read here to learn about general card spending fees
If you’re a business customer, find out more about spending limits on a business account .
Account spending limits
All Wise personal customers have daily and monthly account spending limits, which is the amount that can be spent by card and withdrawn from ATMs across all cards on your account. These are sometimes called your total account spending limits.
You also have ATM withdrawal limits, which only apply to the amount you can withdraw from ATMs.
For both limits, you have:
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a monthly limit, which refreshes on the first day of the month
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a daily limit, which refreshes each day at midnight
Unless you’re a US Wise Multi-Currency cardholder, your daily limits are the same as your monthly limits by default.
You can always check your limits in the Cards tab on both app or web.
Spending limits per card
You can also choose to set daily and monthly limits on the amount you can spend and withdraw on specific cards. These limits refresh at the same time as your account spending limits.
The amount you spend still can’t exceed your account limits, even if you set a higher limit on your card. So if you want to spend more, you’ll need to increase your account limits too.
Find out how to set a limit for your card
What are the limits for my country or region?
Depending on your region, you may have other limits on your card spending.
If you change your registered address after moving to another country and order a new card, we’ll automatically update the limits for all your cards. They’ll reflect the limits that apply to your new country of residence.
India cardholders
If your card was issued in India, you can't spend more than 70,000 USD in a month.
Japan cardholders
If your card was issued in Japan, you can’t spend more than 1,000,000 JPY with a single transaction. This limit is in addition to your monthly spending and withdrawal limits.
Philippines cardholders
If your card was issued in Philippines, you can't spend more than 500,000 PHP with a single transaction. This includes regular purchases and ATM withdrawals. Any transactions bigger than this amount will be declined.
Singapore cardholders
If your card was issued in Singapore, you can’t spend or send more than 100,000 SGD in 12 months.
Check the spending limits in Singapore
US cardholders
Your Wise Multi-Currency Card has separate limits depending on payment type, and how often you spend. There’s:
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Single payment — how much you can spend or withdraw at one time
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Daily — how much you can spend or withdraw in one day
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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 Multi-Currency Card, we put you on our default limits.
Your account also shows you the general limit of all daily limits combined.
If you’re a US customer, you may not be able to set specific limits for your cards.
| Limits per transaction type | Single payment | Daily | Monthly |
|---|---|---|---|
| Chip and PIN/ mobile wallet | Default: 1,000 Max: 2,000 | Default: 1,000 Max: 2,000 | Default: 5,000 Max: 15,000 |
| Contactless | Default: 200 Max: 400 | Default: 500 Max: 1,000 | Default: 1,500 Max: 4,000 |
| Magnetic stripe | Default: 1,000 Max: 1,500 | Default: 1,000 Max: 1,500 | Default: 1,500 Max: 6,000 |
| Online purchase | Default: 1,000 Max: 2,000 | Default: 1,000 Max: 2,000 | Default: 2,000 Max: 15,000 |
If you have a business account, you have separate spending limits for your business.
Can I change my limits?
Yes, you can change your spending and withdrawal limits in both the app and on our website.