TL;DR.Wise Card is a Visa · MC crypto debit card (Virtual + Physical, KYC: Full KYC). Cost per $100 spent: $2. Top-up fee 2%, FX fee 0%. Wallet support: Apple Pay + Google Pay. Status: operational. Last verified: May 11, 2026.
CARD PROFILE · FULL KYC
Wise Card.
Mainstream multi-currency Visa/Mastercard from Wise — top up via crypto deposit (2% fee) for fiat spending in 40+ currencies across 170+ countries.
Cost / $100
$2.00
Top-up fee
2%
Network
Visa · MC
Card type
Virtual + Physical
IBAN
Yes
Monthly limit
—
Status
Operational
Pros.
- +170+ countries acceptance
- +40+ supported currencies (multi-currency hold)
- +Apple Pay & Google Pay supported
- +0% conversion if you hold the currency
- +$0 monthly fee, $9 one-time card order
- +Real bank IBAN included
- +Wise Visa AND Mastercard variants
Cons.
- −⚠️ Crypto is treated as e-wallet top-up: 2% fee
- −Wise's primary product is fiat, not crypto-native
- −$1.50/withdrawal after 2 free, 2% over $100/month
- −Nevada (NV) restricted in US
FEE BREAKDOWN
Detailed fee breakdown.
Top-up fee
2%
Transaction fee
0%
FX fee
0%
Issuance
$9
Monthly
Free
Cost / $100
$2.00
$9 physical card order (US). 2% fee on e-wallet/crypto top-ups (treated as cash equivalent). 0% conversion if you hold the currency. ATM: 2 free up to $100/mo, then 2% over $100 + $1.50 per withdrawal after free. Apple Pay & Google Pay. 40+ currencies, 170+ countries.
COVERAGE
Where it works.
Supported coins
BTCETHUSDTUSDC
Chains
EthereumBitcoin
Use cases
Online · IRL · ATM
Blocked countries
NV
WALLETS
Apple PayYes
Google PayYes
ATMYes
REPUTATION
Trustpilot
—/5
0 reviews
Monevia score
64/100
Verified May 11, 2026
ALTERNATIVES