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The Wise debit Mastercard®

The Wise debit Mastercard® has landed. Now international people can spend around the world with no foreign transaction fees.

Compare our fees →

Foreign currency account with Wise debit card

What’s up with banks and exchange rates?

An independent researcher compared Wise to 5 other US bank accounts and PayPal. They found that we’re up to 4x cheaper for spending abroad. That’s what’s up.

Compare the costs

Monthly account fees
Send $250 to EUR
Spend $250 on debit card in EUR
Withdraw $250 cash / month in EUR

More green in your pocket.

Lower conversion fees
Plus no foreign transaction fees or annual fees.
Free ATM withdrawals
Free to take out up to $250 every 30 days.
Easy-to-use app
Add and convert money, and get instant notifications.
Use it around the world
Spend anywhere that accepts Mastercard. Or use Apple Pay.

The Wise debit Mastercard® is issued by Community Federal Savings Bank, member FDIC, pursuant to a license from Mastercard International. Other features of the borderless account are provided by TransferWise Inc. pursuant to its state licenses.

40 currencies. 1 account. 0 sneaky fees.

Send and receive multiple currencies right from your phone. But with a better exchange rate and lower fees than your bank or PayPal.

  • Hold 40+ currencies for free
  • Send money right from your balances
  • Convert between them with the real exchange rate
  • Move money to another bank for cheap
  • Freeze and unfreeze your card instantly
  • Spend on your card in any currency — our smart tech automatically converts at the best rate

Download the app → iOS | Android

40 currencies. 1 account. 0 sneaky fees.

The easy alternative to a bank account abroad.

A Wise account is perfect if you live and work in multiple currencies. And if you want to receive multiple currencies for free.

You get your own bank details for the US, UK, Eurozone, Australia, and New Zealand. Use them to receive direct deposits from around the world:

  • British account number and sort code
  • European IBAN
  • Australian account number and BSB code
  • New Zealand account number
  • US account number and routing number

Get your free account →

The easy alternative to a bank account abroad.

Here’s to people braving life in a new land.

Raised in Brazil, studies at NYU

Raised in Brazil, studies at NYU

Cecilia uses Wise to pay for her books and student housing, and to get paid for her internship.

Born in Italy, bred in New York

Born in Italy, bred in New York

When Sal visits his family back home, he uses the card to buy them gelato and other treats.

Born in the US, works in Japan

Born in the US, works in Japan

Alex is an artist whose work hangs in galleries in Japan. He uses Wise to transfer his earnings back to the US.

Pricing as it should be.

Your Wise multi-currency account is free to open. It's also free to get bank details and free to receive money using them.

There are low, transparent fees to convert currencies, add money to your account, and send money to a bank account.

More details on pricing here →

Account pricing
Create your accountFree
Hold 50+ currency balancesFree
Receive money in EUR, GBP, AUD, NZD, RON, HUF & SGDFree
Convert currencies


Add money with Direct debit


ATM withdrawals up to $350 / 30 daysFree


Get local bank details.

These currencies come with your very own bank details. Anyone can use these to pay you just like they'd pay a local.

GBPBritish Pound

Get your own Account Number and Sort Code.


Get your own SWIFT/BIC and IBAN details.

USDUS Dollar

Get your own Routing (ABA) and Account Number.

AUDAustralian Dollar

Get your own BSB Code and Account Number.

NZDNew Zealand Dollar

Get your own Account Number.

HUFHungarian Forint

Get your own Account Number.

RONRomanian Leu

Get your own SWIFT/BIC and IBAN details. Currently only available to residents of the UK and Romania.

SGDSingapore Dollar

Get your own Account Number.

You can spend on your Wise debit Mastercard® anywhere in the countries we operate in that accepts Mastercard.

Hold & manage money.

You can hold and manage money in more than 50 currencies. This lets you avoid exchange rate movements and prep for future transfers.

GBPBritish Pound

AUDAustralian Dollar

AEDUnited Arab Emirates Dirham

ARSArgentine Peso

BDTBangladeshi Taka

BWPBotswana Pula

BGNBulgarian Lev

CHFSwiss Franc

CLPChilean Peso

CNYChinese Yuan

CRCCosta Rican Colón

CZKCzech Koruna

DKKDanish Krone

EGPEgyptian Pound

GELGeorgian Lari

GHSGhanaian Cedi

HKDHong Kong Dollar

HRKCroatian Kuna


CADCanadian Dollar

HUFHungarian Forint

IDRIndonesian Rupiah

ILSIsraeli Shekel

INRIndian Rupee

JPYJapanese Yen

KESKenyan Shilling

KRWSouth Korean Won

LKRSri Lankan Rupee

MADMoroccan Dirham

MXNMexican Peso

MYRMalaysian Ringgit

NGNNigerian Naira

NOKNorwegian Krone

NPRNepalese Rupee

PENPeruvian Sol

PHPPhilippine Peso

NZDNew Zealand Dollar

USDUS Dollar

PLNPolish Zloty

PKRPakistani Rupee

RONRomanian Leu

RUBRussian Ruble

SEKSwedish Krona

SGDSingapore Dollar

THBThai Baht

TRYTurkish Lira

TZSTanzanian Shilling

UAHUkrainian Hryvnia

UGXUgandan Shilling

UYUUruguayan Peso

VNDVietnamese Dong

XOFWest African CFA Franc

ZARSouth African Rand

ZMWZambian kwacha

Send money to 80+ countries.

You can use money in your multi-currency account to send to any of the currencies on Wise.

United Arab Emirates Dirham

Argentine Peso

Australian Dollar

Bangladeshi Taka

Bulgarian Lev

Brazilian Real

Botswana Pula

Canadian Dollar

Swiss Franc

Chilean Peso

Chinese Yuan

Costa Rican Colón

Czech Koruna

Danish Krone

Egyptian Pound


British Pound

Georgian Lari

Ghanaian Cedi

Hong Kong Dollar

Croatian Kuna

Hungarian Forint

Indonesian Rupiah

Israeli Shekel

Indian Rupee

Japanese Yen

Kenyan Shilling

South Korean Won

Sri Lankan Rupee

Moroccan Dirham

Mexican Peso

Malaysian Ringgit

Norwegian Krone

Nigerian Naira

Nepalese Rupee

New Zealand Dollar

Peruvian Sol

Philippine Peso

Pakistani Rupee

Polish Zloty

Romanian Leu

Russian Ruble

Swedish Krona

Singapore Dollar

Thai Baht

Turkish Lira

Tanzanian Shilling

Ukrainian Hryvnia

Ugandan Shilling

Uruguayan Peso

US Dollar

Vietnamese Dong

West African CFA Franc

South African Rand

Zambian kwacha

Any questions?

You can spend on your Wise debit card in 40+ currencies around the world. You can also use your card with Apple Pay, Google Pay, and Samsung Pay.

You can hold and manage money in your Wise account in 40+ currencies for free. And convert between them whenever you want. See a list of countries we support here

You can use the money in your account to spend and send in multiple currencies. See a list of currencies we support here

If you already have a Wise account, just log in to order your card online or in the app. If you don’t have an account, it’s free and easy to get started.

We'll ask you for some basic information to verify your account. You'll also need to add a minimum of 20 USD to your Wise account balance before you can get your card. This isn't a fee — the money is yours to use as soon as you get and activate your card.

Learn more

It's free to sign up and set up your Wise account.

It's free to get your local bank details for the UK, US, Eurozone, Australia, and New Zealand, and free to receive money using those bank details.

There's a cheap, transparent fee to convert between currencies — either in your account or if you spend on your Wise debit card in a currency you don't have in your account. There's also a small fee to add money into your account, and to send it to a bank account.

[Learn more about pricing] (

If you have a currency in your account, it's free to spend on your card in that currency. It's also free to spend that currency using Apple Pay, Google Pay, and Samsung Pay.

You can convert between currencies in your account in seconds. You’ll always get the mid-market rate, like you see on Google. If you spend in a currency you don’t hold a balance in, our smart tech automatically converts your money at the best price. So you never have to worry.

We do charge a small fee to convert money between currencies in your account. It varies from currency to currency. The easiest way to understand our fees is to visit our pricing page.

There's a small fixed fee to withdraw or send money from your Wise balances to a bank account of the same currency.

This is the lowest we can charge to cover costs, and we're committed to lowering the fee over time. The easiest way to understand our fees is to visit our pricing page.

TransferWise Inc. is registered with the Financial Crimes Enforcement Network (FinCEN) with money service business registration number 31000065314305. It is licensed as a money transmitter in the states listed here and supervised by regulatory authorities in each of those states.

In other US states and/or territories, money transmission services are offered by our partner financial institution Community Federal Savings Bank, which is supervised by the Office of the Comptroller of Currency.

In the US, we bank with Community Federal Savings Bank (CFSB) and Wells Fargo. All of these banks are insured under the Federal Deposit Insurance Corporation (FDIC). You can find more information about the FDIC here.

You can see more information about security and our communication with you on our dedicated page here.

More than 5 million customers have trusted us to move their money around the world. We move more than $4 billion every month at Wise — and we take the safety and security of your money seriously.

You need a passport to enter a new country. You need Wise once you get there.

You need a passport to enter a new country. You need Wise once you get there.

Get your card today