Debit · Visa9.2/10
Wise Card
Reviewed by Aayush JainUpdated May 2026
Mid-market rate with transparent fees — one of the lowest true costs for spending abroad.
Visit WiseForex fee
None
ATM fee
Free*
Monthly fee
Free (one-time £7 delivery fee)
Network
Visa
Available in
UK · EU · USA · Australia · Singapore · Canada · New Zealand
ATM detail: Free up to £200/month across 2 ATM withdrawals. Above that, 1.75% fee applies.
Our verdict
The Wise card is the gold standard for travel spending. The mid-market rate with no forex markup means you get the best possible rate on every transaction. ATM withdrawals are free up to £200/month — enough for most trips. If you only carry one travel card, make it this one.
Pros
- Uses the real mid-market exchange rate
- No foreign transaction fee on spending
- Holds 40+ currencies in one account
- Freeze card instantly in-app
- Free ATM withdrawals up to £200/month
Cons
- ATM fee above £200/month limit
- One-time card delivery fee of ~£7
- No credit facility — debit only
- Requires Wise account setup
Best for
Frequent travellersDigital nomadsMulti-currency spenders
Frequently asked questions
Cost summary
Card typeDebit
NetworkVisa
Forex feeNone
Free ATM£200/month free (2 withdrawals), then 1.75% + £0.50
Monthly feeFree (one-time £7 delivery fee)
Available inUK, EU, USA, Australia, Singapore, Canada, New Zealand
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