How To Add Money To Transferwise

The Wise card lets you spend money around the world with low conversion fees and zero transaction fees. It's currently available for Wise account-holder residents in Australia, the EEA, Japan, New Zealand, Singapore, Switzerland, the UK, and the US.

Here are some tips to help you get started.

1. Get your card details on the app or website

For cards issued in these countries, you can see your card number, expiry date, and CVV any time on the app or website:

the UK
the EEA
Switzerland
Australia
New Zealand
Singapore
Japan

For cards issued in the US, you can set your own PIN when you activate your card.

2. Activate your card immediately

Visa

To activate your card: make your first payment at a physical store with your PIN, or use it at an ATM.

Once activated, you can use your card any time, as long as you have money in your account.

Mastercard

To activate your card: go to your Wise account in the app or website, and enter the 6-digit code that's on the card.

Once activated, you can use your card any time, as long as you have money in your account.

Learn more about activating your card

3. Add money to your Wise account

To pay with your card, you'll need money in your Wise account.

Add money by opening the Wise app, choosing the currency you'd like to add money to, and how much you'd like to add. Then, choose to pay using different payment methods like bank transfer or card.

4. Leave the conversion to us

If you spend money in a currency you already have in your balances, we'll deduct the amount for free.

If you don't have the currency in your account, we'll automatically convert the amount for you. We'll take it from whichever available balance has the cheapest conversion fee. So there's no need to worry about converting money before travelling.

5. Always choose the local currency

Sometimes, ATMs, shops, and online stores are sneaky — they try to charge you more when you withdraw cash or buy something abroad. They do it by offering to charge you in your home currency, then marking up the exchange rate.

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

6. Get free ATM withdrawals

You have 2 free withdrawals every month up to the following amounts, depending on where your card is issued. You can track your limits in the app or website.

Cards issued in Europe or the UK — 200 GBP/EUR
Cards issued in Australia, New Zealand and Singapore — 350 AUD/NZD/SGD
Cards issued in Japan — 30,000 JPY
Cards issued in the US — 100 USD

If the ATM asks you for a 6-digit PIN, always use your 4-digit PIN as you normally would.

Learn more about our ATM fees