Wise Travel Money Card Review 2025
- November 23, 2025
A multi currency debit card linked to the Wise account. Hold and spend 40 plus currencies at the mid market exchange rate with a transparent conversion fee only when you need to convert. Two free ATM withdrawals up to £200 per month, then £0.50 per withdrawal and 1.75% of the amount over £200. Order a physical card for a one time £7 fee and start using the digital card immediately. Apple Pay and Google Pay are supported.
Initial Viewpoint:
Best for travelers and expats who want mid market rates, clear fees, and the flexibility to hold 40 plus currencies. Not ideal if you rely on frequent cash withdrawals beyond the free allowance, or if you never want to pay any conversion fees at all.
ptc. Rating: 4.4 / 5
Highlights
Uses the mid market rate with a low, transparent conversion fee when converting
Two free ATM withdrawals up to £200 per month; fees only after that
£7 one time card fee, instant digital card access, Apple Pay and Google Pay supports
Cautions
Methodology: Wise UK product pages, pricing and fees, help Centre and FCA register reviewed and verified on 19 Oct 2025.
Fees apply after the £200 monthly free ATM allowance (fixed fee plus percentage)
If you spend in a currency you do not hold, a small conversion fee applies at the point of conversion
Overview
What it is
A debit card connected to your Wise account that lets you hold, convert and spend balances in 40 plus currencies across 160 plus countries. Spend from a matching currency balance or let Wise convert at the mid market rate with a low fee.
Who it’s for
Travellers, frequent online shoppers and anyone with multi currency needs who values transparent pricing and control over when currency conversion happens.
Key Facts
Issuer and regulation
Wise Payments Limited is authorized by the FCA as an Electronic Money Institution, FRN 900507. Funds are safeguarded, not covered by FSCS.
Network and acceptance
Wise issues the card on Visa or Mastercard depending on region. Use it anywhere debit cards are accepted.
Card cost
£7 one time to order the physical card. Digital card available immediately in app. Typical delivery up to two weeks.
ATM policy (UK issued card)
Two free withdrawals up to £200 per month, then £0.50 per withdrawal plus 1.75% of the amount above £200
Currencies
Hold 40 plus currencies. Receive local account details in up to 21 currencies.
Mobile wallets
Apple Pay and Google Pay supported with step by step setup.
Last updated: 19 Oct 2025
Pricing & Fees
| Fee Type | Amount | Notes |
|---|---|---|
|
Card order |
£7 one time |
Digital card available instantly. |
|
Purchases in a currency you hold |
£0 Wise fee |
Spent from that wallet balance. |
|
Purchases in a currency you do not hold |
Mid market rate plus low conversion fee |
Charged at conversion. |
|
ATM withdrawals |
2 free up to £200 per month |
After that £0.50 per withdrawal plus 1.75% of the amount over £200. |
|
Replacement card |
Small fee applies |
See pricing by region in help. |
FX & ATM Details
FX conversion
Wise uses the mid market exchange rate. If there is enough balance in the purchase currency, there is no conversion fee. If Wise needs to convert, a low transparent fee is applied. Avoid Dynamic Currency Conversion by choosing to pay in the local currency.
ATM usage
You get two free ATM withdrawals up to £200 per calendar month. From the third withdrawal, a small fixed fee applies, and once you exceed £200, an additional 1.75% fee is charged on the excess. Some ATM operators may add their own surcharge.
Supported currencies
Wise lets you hold 40 plus currencies and receive using local account details in up to 21 currencies. You can move between wallets instantly inside the app.
Top-ups & Payments
| Method | Fee or limit | Notes |
|---|---|---|
|
Bank transfer to Wise |
Variable per route |
Add GBP and other currencies to fund wallets. |
|
Apple Pay or Google Pay |
Supported |
Add the card and pay from your phone. |
|
Spend online or in store |
Standard scheme acceptance |
Use wherever debit cards are accepted. |
Applying for the Card?
Apply online via Wise UK website. Standard identity and address verification needed. Once verified you pay the £7 for the physical card or use the free virtual card immediately. Then load your account and start using.
Limits & KYC
| Method | Details |
|---|---|
|
Spending limits |
User adjustable limits for chip and PIN, contactless, online and ATM. |
|
Example limits (personal) |
Contactless default £200 – daily £500 – monthly £1,500; Chip and PIN default £1,000 – daily £1,000 – monthly £5,000; ATM default £250 – daily £250 – monthly £1,500. Limits can be increased in app up to the stated maximums. |
|
ID checks |
Standard e money KYC. Verification is required before card shipping.
|
App & Features
Digital card
Use instantly while your physical card is on the way.
Real time alerts
Instant notifications after every transaction.
Card controls
Freeze or unfreeze, change limits, view PIN, manage multiple currencies.
Mobile wallets
Apple Pay and Google Pay supported with guided setup.
Who it’s for (and who it’s not)
Best For
People who want predictable mid market FX, clear fees, multi currency balances, and modern app controls for travel and cross border life.
Not ideal for
Heavy cash users who exceed the £200 free ATM allowance each month, or those who never want to incur any conversion fees.
Pros
Mid market exchange rate with transparent conversion fee
Two free ATM withdrawals up to £200 per month
Hold 40 plus currencies and receive using local details in up to 21 currencies
Card arrives for £7 and digital card works right away
Cons
Fees apply beyond the free ATM allowance
Conversion fee when spending in a currency you do not hold
Network brand may vary by region rather than being fixed
How it compares
At a glance: Wise focuses on mid market FX and multi currency wallets. No fee abroad UK bank debit cards can be strong for spending, but do not let you hold foreign currencies. Traditional travel cards often charge for loads or unsupported currency spending.
| Feature | Wise card | No fee abroad UK debit card | Multi currency travel card |
|---|---|---|---|
|
Exchange rate |
Mid market plus conversion fee |
Scheme rate, often with no FX fee |
Wallet rate or provider spread |
|
ATM policy |
2 free up to £200 per month, then fees |
Often £0 issuer fee with daily caps |
Often free up to a cap, then fee |
|
Hold currencies |
Yes, 40 plus |
No |
Yes |
Alternatives
Starling Bank Travel Money Card
Bank debit card with no foreign usage fees and no issuer ATM fee.
Revolut Travel Money Card
Multi currency wallets with plan tiers and extra travel features.
Post Office Travel Money Card
Preload multiple currencies and manage in a dedicated travel app.
Ratings
| Category | Score 1 to 5 | Notes |
|---|---|---|
|
Fees and FX |
5 |
Mid market rate with low conversion fee. Clear ATM allowance and fees after £200. |
|
ATM and cash |
4 |
Two free withdrawals up to £200 per month, then fixed plus percentage fees. Operator surcharges may apply. |
|
Topups |
4 |
Multiple routes and wallet holding across currencies. |
|
Features and app |
5 |
Digital card, Apple Pay, Google Pay, adjustable limits and alerts. |
|
Support and trust |
4 |
FCA authorised EMI, FRN 900507. |
Compliance & Methodology
Regulatory
Wise Payments Limited is authorized by the Financial Conduct Authority as an Electronic Money Institution, FRN 900507. The card is a debit card issued on the Visa or Mastercard network depending on region.
Data sources
Wise Travel Money Card and Card pages, UK pricing and ATM fee tables, currency and account features, mobile wallet help, card ordering and spending limits pages. Verified on 19 Oct 2025.
Editorial policy
Independent, fact‑checked comparison.
Click here for editorial guidelines.
Ready to apply?
Compare Wise Travel Money Card with
Starling Bank Travel Money Card
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Revolut Travel Money Card
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FAQs about Wise Travel Money Card
£7 one time for the physical card. You can use the digital card straight away.
Yes. Wise provides guided setup for Apple Pay and Google Pay in the help centre.
What You Should Do Now
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