How to get a Wise card in 2026 (Singapore)

If you want to get a Wise card in 2026, the process is quick: open a Wise account, verify your identity, and order your card in the app. You can also start spending online with a digital card while you wait for the physical card to arrive.

A Wise card is designed for spending in multiple currencies in-store and online, and for cash withdrawals when travelling. It links to your Wise account balances, so you can spend currencies you hold—or convert automatically when you need to. This guide walks through all you need to know.

Wise holds a remittance licence issued by the Monetary Authority of Singapore (MAS).

Here’s what we’ll cover in our comprehensive guide to the Wise card Singapore and how it works:

• How to get a Wise card step by step
• How much does the Wise card cost?
• How long does it take to get a Wise card?
• How does the Wise card work in Singapore and abroad?
• How to replace or cancel your Wise card
• Is Wise card safe to use?
• How to get a Wise virtual card

How to get a Wise card (Singapore): step by step

To get started, you’ll need a Wise personal (or business) account. You can open an account on desktop or in the Wise app, then order a physical card for delivery.

Here’s how to get a Wise card step by step:

1. Download the Wise app or go to the Wise website and select Register
2. Choose Personal (or Business) and create your account using your email address or your Apple/Google ID
3. Complete identity verification (for Singapore, this may include Singpass and/or uploading an ID)
4. Go to the Card section and choose Order card
5. Pay the one-time card fee if required, and confirm your delivery address

What you’ll need to apply for a Wise card

If you have a Singpass account you can use the Myinfo service to complete the verification process conveniently. Employment pass holders may also need to upload a proof of ID document.

If you don’t use Singpass you can still get verified manually using:

• A valid proof of ID document
• Proof of your Singapore address

Can you get a Wise card in Singapore?

Yes—Wise cards are available to eligible customers in Singapore (personal and business). Availability, card features, and fee schedules can change by country and product updates, so it’s best to confirm details in-app at the point of ordering.

If you’re relocating or travelling, note that Wise card ordering is generally tied to your registered address and region. If you move to a new place, you must update your registered address, and you’ll need to check the Wise card rules and support options for your new location.

Wise card costs (fees to expect)

Wise typically charges personal customers a one-time fee to order a physical card in Singapore, with no recurring monthly fee for simply having the card. Additional fees may apply depending on how you use the card (for example, currency conversion or certain ATM withdrawals).

*Details correct at time of research - 23rd June 2026 **Wise will not charge you for these withdrawals, but some additional charges may occur from independent ATM networks

How long does it take to get a Wise card?

After you order your physical card, you can access a virtual card for online and mobile wallet spending. Your physical Wise card is then shipped to your address.

Typical delivery time for the Wise card in Singapore is about 3 days.

How to activate your Wise card

Once your physical card arrives you can activate it to use the contactless feature. You’ll also be able to view your PIN in the Wise app.

To activate your Wise card for contactless transactions:

• Check your PIN in the Wise app
• Make a chip-and-PIN purchase or use a Singapore ATM to view your account balance

You can’t make ATM withdrawals in Singapore with a Singapore-issued Wise card, but can use ATMs overseas to get cash.

How the Wise card works in Singapore (and abroad)

The Wise card is a debit card connected to your Wise balances. When you pay, Wise will take money from the balance you hold in the currency you’re spending in the first instance.

If you don’t have the currency you’re spending in your account, or if you don’t have enough to cover your spending, the Wise card automatically deducts the money from another balance. The card will select the balance that can be converted with the lowest overall cost so you don’t pay any unnecessary fees.

Spending in multiple currencies

If you hold the currency already, you can spend directly from that balance. If you don’t, Wise converts at the time of purchase, using the mid-market rate plus a conversion fee (the fee varies by currency pair and payment method).

Using mobile wallets and online payments

You can add a Singapore issued Wise card to wallets like Apple Pay and use it for:

• Tap-to-pay purchases
• In-app payments
• Online shopping (including foreign-currency checkouts)

Withdrawing cash while travelling

If you plan to withdraw cash abroad, bear in mind Wise’s ATM allowance and fees for Singapore customers - there’s no Wise fee for withdrawals to the equivalent of 100 SGD a month, but then Wise applies a 1.75% charge.

There may also be the ATM operator’s own fees (set by the bank that owns the ATM) to pay - this is out of Wise’s control, but charges are usually shown on the ATM screen before you withdraw.

Is it worth getting a Wise card in 2026?

A Wise card can be a strong option if you spend in foreign currencies, travel often, or shop internationally online. The main value is convenience thanks to multi-currency balances - plus you get transparent conversion with low fees.

Key benefits of Wise include:

• Hold and spend 40+ currencies from one account
• No monthly or annual fee just for having the card
• In-app controls to manage your account and card
• Security tools like app based freeze/unfreeze, and spending notifications
• Optional virtual card for online spending

How to replace or cancel your Wise card

You can usually manage card controls directly in the Wise app. If you lose your card or suspect fraud, freezing it immediately is a good first step.

You can choose these options to manage your Wise card:

• Freeze / unfreeze card
• Replace card if it has been lost, stolen, or damaged
• Cancel card (To cancel your physical Wise card, you'll need to get in touch with Wise.)

There's no fee to replace a card that is expiring within 6 months, and a 4 SGD fee if your card needs to be replaced because it’s been lost or damaged.

Here’s how to replace your Wise card in the Wise app:

1. Go to the Card tab on the website or app
2. Select the card you want to replace
3. Choose the Replace card option
4. Follow the on-screen instructions to enter the reason for replacement

Is the Wise card safe to use?

Safety depends on both provider controls and how you use the card. In general, app-based cards offer strong everyday protections like instant alerts and the ability to freeze a card instantly.

Wise security features to look for in-app include:

• Real-time transaction notifications
• Freeze/unfreeze controls
• In app chat features if you need help
• 2 Factor authentication and secure log in

How to get a Wise virtual (digital) card

Virtual cards are helpful for online purchases and for adding to mobile wallets, without sharing your physical card details.

Here’s how to get a virtual/digital Wise card:

1. Log in to Wise
2. Go to Card
3. Select Get a Card
4. Select Digital
5. Use the card details for online purchases or add it to a wallet

Conclusion: getting a Wise card in 2026

To get a Wise card in 2026, you’ll generally open a Wise account, complete verification, and place your card order in the app. You can then use a digital/virtual card right away, while the physical card ships to your Singapore address.

Before you order, double-check the in-app pricing and the latest ATM rules for Singapore-issued cards so you know exactly how to use your card when it arrives.