Travel · Card comparison
Wise Card vs Zing Card
UK travellers comparing Wise vs HSBC's new Zing card
Wise CardWinner
Forex fee
None
ATM fee
Free*
Score
9.2/10
Zing Card
Forex fee
None
ATM fee
Free*
Score
7.8/10
Wise Card wins — UK travellers comparing Wise vs HSBC's new Zing card
Category
Wise Card
Zing Card
Forex fee
None
None
Exchange rate
True mid-market
Mastercard rate
ATM free tier
£200/month (2 withdrawals)
£300/month (5 withdrawals)
Multi-currency
40+ currencies
Multi-currency
Track record
12+ years
New (2024)
Backing
HSBC backing provides stability
Independent fintech
HSBC
Verdict
Wise wins on exchange rate quality and maturity of product. Zing is newer and still building features, but is a credible alternative for users who want HSBC backing. Wise's ATM limit is similar to Zing's — both offer around £200/month free. Wise has a broader multi-currency product and 12+ years of track record.
Frequently asked questions
Winner
Wise Card
Mid-market rate with transparent fees — one of the lowest true costs for spending abroad.
Forex feeNone
ATMFree*
MonthlyFree (one-time £7 delivery fee)
Score9.2/10
Zing Card
HSBC's new standalone travel app and card — zero forex fees with the backing of a global bank.
Forex feeNone
ATMFree*
MonthlyFree
Score7.8/10