Revolut
Money transfer
All-in-one money app with multi-currency cards, transfers, crypto and travel extras.
- Travelers wanting one app for cards, FX and extras
- People who stay within the free FX and ATM allowances
Last checked:
Review
Money transfer
Wise review: card fees, ATM limits and transfers
Wise review: a multi-currency account and card. In the EEA the card costs EUR 7 and ATM cash is free up to EUR 250 a month, then 2.69% (Oct 2026).
Last checked:
Best for
- Travelers who pay by card in several currencies and want transparent conversion pricing
- Freelancers and expats who receive, hold and send money in different currencies
- Anyone who wants a clear baseline to compare against a bank card’s FX markup
Choose something else if
- Cash-heavy travelers: a card with a larger free ATM allowance suits you better than USD 250 a month (US pricing, as of 21 Sep 2026).
- People who want branch banking: a traditional bank with branches is the better fit.
Key numbers
- Card price
- Digital card free, physical card USD 9
- US pricing, as of 21 Sep 2026
- Monthly fee
- No card subscription or annual card fee
- US pricing, as of 21 Sep 2026
- Card payments abroad
- No foreign transaction fee; a conversion fee applies when Wise converts currency
- as of 21 Sep 2026
- ATM withdrawals
- Free up to USD 250 per calendar month, then USD 1.95 + 1.95% per withdrawal; ATM operator fees are separate
- US pricing, as of 21 Sep 2026
- Currencies
- 40+ currencies for the account and card
- as of 21 Sep 2026
- Transfers
- Price depends on route, currency and payment method
- as of 21 Sep 2026
Verdict
Wise is a multi-currency account with a debit card and international transfers. It suits travelers, freelancers and expats who hold or spend several currencies and want transparent conversion pricing. The account and card cover 40+ currencies. Card payments abroad carry no foreign transaction fee: you pay a conversion fee only when Wise converts currency.
In Wise’s US pricing (as of 21 Sep 2026) the digital card is free, the physical card costs USD 9, and there is no monthly or annual card fee. ATM withdrawals are free up to USD 250 in total per calendar month, then cost USD 1.95 + 1.95% each, plus any ATM operator fee. Transfer prices depend on the route, currency and payment method. Wise sets its prices by country of residence, so UK, EU and other accounts follow their own local price list.
The main limitation is cash: the USD 250 monthly allowance (US pricing, as of 21 Sep 2026) runs out fast on cash-heavy trips, and Wise has no branches. The card network (Visa or Mastercard) and local account details depend on the country where the card is issued.
Card and payments
- Type
- Virtual + physical
- Custody
- Not applicable
- KYC
- Required
- Apple Pay
- Region-dependent
- Google Pay
- Region-dependent
What it costs you
Prices for Wise depend on where your account is registered. Enter your trip to see the total in fees.
Enter foreign-currency amounts at their value in EUR.
Assumes a euro card used in another currency outside Europe, so payments and cash are converted.
For this trip Wise costs 8.35 EUR plus a conversion fee that depends on the currency (the app shows it before you pay).
Key fees by region
EEA (euro account) · Wise
Card EUR 7; first EUR 250 of cash a calendar month free, then 2.69%. Conversion fee depends on the currency and is shown before you pay.
Fees as of 10 Oct 2026 · source
United Kingdom · Wise
Card GBP 7; first GBP 250 of cash a calendar month free, then 2.69%. Conversion fee depends on the currency and is shown before you pay.
Fees as of 10 Oct 2026 · source
United States · Wise
Physical card USD 9; first USD 250 of cash a calendar month free, then USD 1.95 + 1.95% per withdrawal. Conversion fee depends on the currency.
Fees as of 21 Sep 2026 · source
How it works
- Hold and exchange 40+ currencies
- Card for spending and ATM withdrawals where available
- Local account details in supported currencies
Pros
- Digital card is free and the physical card costs 9 USD (US, as of 21 Sep 2026)
- No foreign transaction fee on the card; you pay only when Wise converts
Cons
- Card and account details vary by country
- ATM allowance can be too small for cash-heavy trips
- Thailand-registered accounts have special conversion, payment and domestic ATM restrictions rolling out in 2026
Alternatives
N26
Money transfer
Euro bank account with a Mastercard for residents of selected European countries.
- Residents of supported countries who need a euro account
- People who keep savings in euros and want deposit protection
Last checked:
Deel
Money transfer
Global contractor-payment platform with bank, card, e-wallet and stablecoin withdrawals.
- Contractors whose clients already use Deel
- Remote workers who want a stablecoin payout option
Last checked:
Head-to-head comparisons
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FAQ
What is Wise and how does it work?
Wise is a money account for 40+ currencies with a debit card and international transfers. You hold balances in different currencies, pay by card abroad without a foreign transaction fee, and pay a conversion fee only when Wise converts money. Wise has no branches.
How much does the Wise card cost, and is there a monthly fee?
In US pricing (as of 21 Sep 2026) the digital card is free and the physical card costs USD 9 once. There is no monthly or annual card fee. You pay per use: a conversion fee when Wise converts currency and ATM fees above the free allowance. Wise prices follow your country of residence, so other countries have their own price list.
How much can I withdraw from ATMs with Wise for free?
In US pricing (as of 21 Sep 2026) Wise charges nothing for ATM withdrawals up to USD 250 in total per calendar month. After that each withdrawal costs USD 1.95 + 1.95%. The ATM operator may add its own fee on top.
What changes for Wise accounts registered in Thailand?
During 2026 Wise is moving Thailand-registered personal accounts to locally regulated features, on schedules that depend on the signup date. The listed changes (as of 21 Sep 2026) include 800,000 THB per day for outward remittances, initially 30,000 THB per day for account payments and transfers, no domestic ATM withdrawals with the Thailand-linked Wise card, automatic conversion of third-party receipts into THB and double conversion on some non-THB transfers.
Sources
- Wise card fees — wise.com
- Wise card fee help — wise.com
- Wise multi-currency account uses — wise.com
- Wise Thailand account changes — wise.com
- Wise UK safeguarding versus FSCS — wise.com
Fees and terms change, so check the provider’s current price page before you sign up. How we compare