Wise Travel Money Card Review 2025

Initial Viewpoint:

Best for travellers 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 support

Cautions:

• 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

Methodology: Wise UK product pages, pricing and fees, help centre and FCA register reviewed and verified on 19 Oct 2025.

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 authorised 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.

Topups & 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

Topic	Detail
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

Feature	Detail
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 & Cons

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

Alternative	Why consider it
Starling Bank debit card	Bank debit card with no foreign usage fees and no issuer ATM fee.
Revolut	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.

Frequently Asked Questions About Wise Travel Money Card

Compliance & Methodology

Regulatory

Wise Payments Limited is authorised 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

• Revolut Travel Money Card
• Starling Bank Travel Money Card