How to Use a Wise Card Abroad: A Full Guide 2024

Claire Millard
Minami Ishii
Last updated
26 June 2024

With a Wise account you can hold and exchange 40+ currencies, and switch between currencies using the mid-market exchange rate, low conversion costs and no Wise foreign transaction fee. Plus, using a Wise card abroad is simple - spend and withdraw cash in 150+ countries, making it easy to travel or shop online with international retailers.

Ready to get started? We’ll look at how to use a Wise card overseas, the fees, limits and some tips to save money.

Table of contents

How to use a Wise card abroad 

Let’s get right into the most important part - how to use your Wise card overseas. The good news is that using a Wise card abroad works in more or less the same way as using your regular card here in Singapore.

Wise cards are contactless and can be added to mobile wallets like Apple Pay and Google Pay, for fast and convenient payments wherever you are. Plus, there’s no fee to spend any currency you hold in your account, and the card can automatically switch your balance to the currency you need with low fees from 0.33%.

This guide walks through how to use your Wise card overseas for spending, withdrawals and mobile payments, including the Wise transaction fees you’ll need to know about.

Wise travel card

Get your Wise cardRead a Wise card review

Fees for using a Wise card abroad

If you’re planning on using a Wise card abroad, the fees are important.

To get your Wise card you’ll pay a one time order fee of 8.5 SGD, with no monthly or annual fees after that. You can choose to top up your Wise account with dollars or any of the other supported top up currencies, and convert to the currency you need for spending.There’s no Wise foreign transaction fee, but there is a small charge whenever you need currency conversion, which we’ll look at in detail later.

Once you have the currency you need in your destination in your Wise account there’s no fee to spend your balance - and if you don’t have a balance in the right currency your Wise card can automatically convert for you, with a small conversion fee and the mid-market exchange rate.

Other Wise transaction fees can apply depending on how you use your card. Here’s a rundown of the key Wise card fees to know about. We’ll cover ATM cash withdrawals, fees and limits in more detail a little later on.

ServiceWise card fee
Order a Wise card8.5 SGD
Optional express deliveryFrom 16 SGD
Spend a currency you holdFree
Spend in a currency you don’t hold Currency conversion fees from 0.33%
ATM withdrawals

2 withdrawals, to the value of 350 SGD a month fee free


After that a fee of 1.5 SGD + 1.75% of the withdrawal value applies

Order a replacement card

No fee to replace an expiring card


4 SGD for a replacement at any other time


Order your Wise travel card

Does the Wise card have foreign transaction fees?

As we’ve seen, there’s no Wise foreign transaction fee when you spend with a Wise card overseas. You can spend any currency you hold in your account for free.

If you don’t have a balance in the currency you need - or if your balance isn’t enough - the Wise card uses smart conversion technology to convert your balance from the currency which charges the lowest possible fee, using the mid-market exchange rate. The Wise transaction fee for currency conversion varies but can be as low as 0.33%.

How does my Wise card know which currency to use?

You can spend with your Wise card even if you don’t have money in the currency you need. Your Wise card will simply convert the amount needed from the currency balance you hold which offers the lowest available fee. This applies if you don’t hold a balance in the currency needed, or if you don’t hold enough for the transaction in the required currency.

The good news is that this means you’ll always pay the lowest available Wise transaction fee, and you don’t need to convert funds in advance if you’re traveling or spending overseas.

What if I spend money in a currency that I don’t have in my account?

You’ll be able to top up your Wise account in dollars or a selection of other currencies, and then convert to any of the supported 40+ holding currencies in the Wise app. But what if you don’t hold a balance in the currency you need when you spend with your Wise card? In this case, the Wise card will do the hard work for you and switch what’s needed from the currency balance which has the lowest available fee.

Here are some examples of how the Wise auto convert technology can work:

  • You hold 200 euros in your account and want to make a purchase that costs 100 euros - in this case, the 100 euros will be deducted from your euro balance, with no fee to pay

  • You want to make a purchase that costs 100 euros but you don’t have a euro balance in your Wise account - in this case, the Wise card will convert from your available funds, with a conversion fee from 0.33%. Conversion fees do vary, but the card will pick the balance which offers the lowest available fee at the time of the transaction

  • You hold 50 euros in your account and want to make a purchase that costs 100 euros - in this case, the 50 euros will be deducted from your euro balance, with no fee to pay, and the remaining amount will be converted from your available funds, with a variable conversion fee from 0.33%

Order your Wise travel card

How to withdraw money from a Wise account

You can make convenient ATM withdrawals all over the world using your Wise card. However, it’s helpful to know that you can’t use your Wise card here in Singapore to make withdrawals.

Here’s how to withdraw money abroad with a Wise card:

  1. Find a convenient ATM which supports the network your Wise card is issued on (Visa or MasterCard)

  2. Insert your card and select the option to make a withdrawal

  3. Enter the amount you want to withdraw

  4. Enter your PIN for security

  5. Your money will be dispensed and your card will be returned

💡 Key point:
  • Use your Wise card globally for spending and withdrawal

  • Free to spend any currency you hold in your Wise account

  • Currency conversion uses the mid-market exchange rate with low fees from 0.33%

  • Withdraw up to 350 SGD a month fee free, with transparent charges after that


Wise ATM withdrawal limits

There are Wise card withdrawal limits which apply whenever you use your Wise card to take cash from an ATM. Wise daily limits are set to the same as the relevant monthly limit when you open your account, but you can then change this within the app if you would rather have a specific daily limit on your withdrawals. You can also check how much of your daily or monthly limit you’ve already used, so there’s no need to keep a track manually - just have a quick look on the Wise app and you’re done.

Your Wise ATM limits if you have a Singapore issued card are 7,000 SGD a month, or the equivalent wherever in the world you happen to be.

Here’s how to view and change your Wise card ATM withdrawal limits in the Wise app:

  1. Log in on the Wise app and select the Cards tab

  2. Tap Account limits and the type of transaction - ATM withdrawals

  3. Select the button to change the limit within the Wise maximum available limit range

Daily limits reset each day at midnight, and monthly limits reset at the end of each calendar month.

  • Details correct at time of writing - 18th June 2024

Wise card ATM withdrawal fees

You may find when you’re making an ATM withdrawal that a message is displayed on the ATM asking you if you’d rather pay in your home currency - so in this case, Singapore dollars, rather than the currency of the country you’re in.

This is described as dynamic currency conversion (DCC), and can happen when you spend or withdraw with a card overseas. It’s positioned as a service which makes it easier to see how much your transaction costs you more easily - but in reality, it also usually means paying higher fees.

Avoid this unnecessary cost by choosing to pay in the local currency wherever you are every time. You can also learn more in this Wise article about ATM fees and DCC.

Wise offers all card holders some free ATM withdrawals every month, with low fees after that. Here’s how Wise card ATM fees breakdown:

ATM withdrawWise fee
Up to 2 withdraws per month, to the value of 350 SGDNo Wise fee
Additional withdraws once your monthly allowance is exhausted 1.5 SGD +1.75% of withdraw value
Order your Wise travel card

*Details correct at time of writing - 18th June 2024

How do I put money on my Wise card?

The Wise card is linked to your multi-currency Wise account. To use your Wise card for spending or withdrawals you’ll first need to add money to your Wise account - you can choose from a variety of different ways to top up Wise, including some low-cost and fast methods, and ways to add different currencies if you’d like.

Top up options include PayNow, bank transfer, wire transfer, debit card and credit card. Bank transfer and wire transfer are often the cheapest options, and credit card is usually the most expensive way to add money to Wise.

Adding money to Wise so you can spend with your Wise card is easy - and can all be done online or in the Wise app. To give an example, here’s how to add money to a Wise card in SGD, by bank transfer, using just your phone:

  1. Log into your Wise account on the Wise app

  2. Tap your SGD currency balance

  3. Select Add and enter the amount you want to top up

  4. Pick bank transfer as the payment method

  5. Follow the prompts to deposit funds and you’re good to go

About the Wise card

The Wise card is an international debit card linked to a digital multi-currency Wise account. It’s free to open a personal Wise account and you can get set up from your phone or laptop easily. Once you’ve registered for a Wise account, simply order your Wise card for delivery to your home address within around 3 working days.

Once you’ve got your Wise card up and running you’ll be able to access the following handy travel features:

  • Spend and withdraw in 150+ countries and hold 40+ currencies

  • No fees to spend any currency you hold in your account

  • Currency conversion from 0.33% when you spend or withdraw with your Wise card

  • Top up your account in dollars and convert to the currency you need using the mid-market rate

Read also: Wise card review

How does the Wise card work?

The Wise card is a debit card linked to a multi-currency Wise account. You can top up your Wise account in dollars or the currency of your choice, and convert to the currency you need for international spending - or just let the card do the conversion for you, with the mid-market rate and low fees.

You can spend and make withdrawals with your Wise card in 150+ countries, and shop online with international retailers easily. This guide includes all you need to know about spending and withdrawals with your Wise card, including the fees and limits that apply to your Wise account and card. It’s also worth noting upfront that Wise cards can’t be used for local ATM withdrawals here in Singapore.

Read more: How to get a Wise card

Spend limits of Wise Singapore cards

As part of the way Wise is licensed by MAS in Singapore you can’t hold more than the equivalent of 5,000 SGD in a Wise personal account at the end of any business day unless you hold your balance in Interest or Stocks.

MAS limits also mean that you can’t send or spend more than 30,000 SGD or the equivalent in a 12 month period from a personal account unless you hold your balance in Interest or Stocks. The 12 month window runs April 1 to March 31 every year.

These limits are in place to comply with Singapore legislation. If you’d rather have a higher limit, you can convert your SGD or USD balance within your account to Interest or Stocks.

Is it safe to use the Wise card abroad?

Wise is a safe and fully regulated provider. Wise is overseen by MAS in Singapore, and other equivalent organizations around the world.

To open a Wise account you’ll need to complete a verification step which helps keep your account secure, and to use your card you’ll need to set up security including your own PIN. Once your card is up and running you’ll get instant transaction notifications, and can easily freeze or cancel the card if you’re concerned it’s been lost or stolen.

Order your Wise travel card

How do I activate my Wise card outside Singapore?

Your Wise card doesn’t need any specific activation step - but you’ll need to make a chip and PIN payment, or use your card at an ATM, before you’re able to use the card’s contactless feature. You won’t be able to make an ATM withdrawal here in Singapore, but you can use your card to check your balance instead.

Use Google Pay or Apple Pay and spend with your phone

You can use your Singapore issued Wise card conveniently with an e-wallet like Apple Pay for mobile spending. That means you don’t need to carry the physical card to make contactless payments in person, or when shopping online.

You can add your Wise card to your preferred wallet by going to the wallet’s app and following the instructions there - or right from the Wise app instead. As an example here’s how to add your Wise card to Apple Pay:

  1. Open the Wise app

  2. Tap on the Card tab, where you can see all your available cards

  3. Select the card you'd like to add then tap on Add to Apple Wallet

Which countries can I use my Wise card in?

Wise customers in a broad range of countries, including Singapore, the US and UK, most of the EEA, Australia, New Zealand, Canada and Brazil can order a Wise card.

Wise cards can be used almost anywhere in the world where Visa or Mastercard debit cards are accepted - a total of 150+ countries. The Wise card can be used for online payments, and for in person payments when you travel.

Are there any countries where the Wise card doesn’t work?

There are a few countries where the Wise card cannot be used - usually because of global sanctions or practical constraints. These include Afghanistan, Burundi, Central African Republic, Chad, Congo and Democratic Republic of Congo, Cuba, Eritrea, Iran, Iraq, Libya, North Korea, Russia, Somalia, Sudan and South Sudan, Syria, Venezuela and Yemen.

Exactly where Wise services can be offered may vary from time to time, so do double check if you’re unsure about whether or not your Wise card can be used in your destination.

Tips for saving money when spending abroad

Nobody wants to spend more than necessary when traveling. The Wise card and account can be a good way to cut your costs - here are a few other things to look out for:

  • Always pay in the local currency - an ATM or merchant may ask if you’d prefer to pay in dollars, but this is always more expensive

  • Keep a couple of payment methods handy, like cards on different networks and a small amount of cash, so you’re never stuck

  • If you ever need to convert cash, avoid airport and hotel currency exchange kiosks, as these usually mean higher fees

Conclusion: Is Wise a good travel card?

The Wise card can be a very helpful card for travel and overseas purchases. You can order a Wise card conveniently online, and link it to your Wise account which can be used to hold 40+ currencies.

Wise currency conversion uses the mid-market exchange rate and low fees from 0.33%. It’s free to spend currencies you hold in your Wise account, and if you don’t have the currency you need, the Wise card auto convert technology can convert for you, from the balance you hold which attracts the lowest fee. You’ll still get the mid-market rate and Wise’s low fees. That can mean you save compared to using a bank card, whenever you spend or withdraw in a foreign currency.

Get your Wise travel card

FAQs on using Wise card for travel

Which ATM can I use with a Wise card? 

You can use your Wise card to make ATM withdrawals at ATMs overseas which support your card’s payment network. Check the network your card is issued on -  Visa or MasterCard - and look out for ATMs displaying that logo. You can’t use your Wise Singapore card to make ATM withdrawals in Singapore. There are also a small number of foreign countries where Wise cards can’t be used, usually because of global sanctions - full details are available on the Wise website.

Is a Wise card a debit or credit card?

The Wise card is an international debit card that’s linked to a digital multi-currency Wise account.

Does a Wise card automatically use the right currency?

When you spend using your Wise card the money will be deducted from the balance you hold in that currency, if you have enough in your account. If not, the Wise card will automatically convert money from another currency balance you hold, choosing the balance with the lowest available fees so you get the best possible deal.

How do I use my Wise debit card in Europe?

The good news is that you can use your Wise card when you travel to Europe just like a regular payment card. There’s no need to notify Wise of your travel plans, just top up your account using your preferred payment method and you’re done.

Is Wise an international debit card?

Wise offers multi-currency accounts with linked international debit cards for personal and business customers in Singapore. You can hold funds in your account, exchange between 40+ currencies with the mid-market rate, send and receive payments, and use your Wise international debit card for easy spending and withdrawals.

How do I pay with Wise without a card?

If you don’t have a Wise card you can still use your Wise account to send and receive payments. Wise transfers can be sent to 70+ countries, and use the mid-market rate and low fees from 0.33%.