Wise Multi-Currency Card review

The Wise Multi-Currency Card is built for spending abroad rather than adapted for it. Wise says you can spend in 40+ currencies at the mid-market rate, with no markups or margins and no charges just for using the card abroad; you pay a low conversion fee instead, and volume discounts apply to large conversions. Because the card draws on a Wise account, you can convert dollars to euros or pounds ahead of a trip and spend from that balance. There is no subscription fee. The physical card costs 9 USD to order, and a digital card for Apple Pay and Google Pay is free. Cash is the weak point next to Schwab and Fidelity: Wise charges nothing on the first 250 USD of ATM withdrawals per calendar month, then 1.95 USD plus 1.95% per withdrawal, and ATM operators may add their own fees. For card-first travelers who rarely need cash it is one of the cheapest ways to pay in local currency.

Who it is for

Travelers who want to hold and spend foreign currencies

Price

No subscription fees; one-time 9 USD card order fee; digital card free.

Ordering your card No subscription fees 9 USD
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Spend in 40+ currencies at the mid-market rate
• No foreign transaction fees, with low conversion fees
• No Wise fee on the first 250 USD of ATM withdrawals each calendar month
• Free digital card for Apple Pay and Google Pay
• Volume discounts on large conversions

Strengths and weaknesses

• Strength: Mid-market exchange rate with no markup
• Strength: Hold balances in other currencies before you travel
• Strength: No subscription fee
• Weakness: 1.95 USD plus 1.95% per ATM withdrawal after 250 USD in a calendar month
• Weakness: 9 USD to order the physical card
• Weakness: Conversion fees still apply, even if low

Key facts

• Card order fee: 9 USD one-time
• Currencies: 40+
• Exchange rate: Mid-market, plus a conversion fee
• Free ATM withdrawals: Up to 250 USD per month
• ATM fee after limit: 1.95 USD + 1.95%

Where it ranks

Wise Multi-Currency Card is No. 3 in our Best Travel Money Cards verdict.