How to get a Wise Multi-Currency Card in the US – Step by step guide
A Wise Multi-Currency Card is linked to a multi-currency Wise account which allows you to hold, and exchange 40+ currencies.
Use your Wise Multi-Currency Card to spend in 150+ countries, make convenient cash withdrawals and to pay online or in person, with all currency exchange using the mid-market exchange rate, plus no foreign transaction fee to worry about whenever you spend any currency you hold.
That makes the Wise Multi-Currency Card a great way to manage your foreign currency spending, with low, transparent fees and fair exchange rates every time.
How to get a Wise Multi-Currency Card step by step
To order a Wise Multi-Currency Card you’ll first need to register a Wise account. This is free for personal customers and can be done entirely online or in the Wise app. Once you have your Wise account you can order a debit card, for convenient delivery to your home address.
Here’s how to open a Wise account step by step:
- Visit the Wise website or app and click on Create account
- Enter your email address
- Confirm the type of account you want to open – personal or business
- Select your main country of residence
- Verify your mobile number with a code
- Create your password for security
Once your Wise account is set up, you’ll be able to tap the Card tab and follow the prompts to order your Wise Multi-Currency Card. You’ll need to pay a one time 9 USD fee or 11.58 for express delivery, confirm your personal details and upload some documents for security.
How to activate your Wise Multi-Currency Card
If you’re ordering your Wise Multi-Currency Card from the US you’ll need to activate it in the US before you can start using it. Here’s what to do:
- Visit the Wise website or app and log in
- Tap Card and choose Activate your card
- Enter the 6 digit code that’s shown on your card
- Set a PIN for security
Can I get a Wise Multi-Currency Card in the US?
Yes. The Wise Multi-Currency Card is available in the US, and can also be ordered by Wise customers in a broad selection of other countries and regions, including the UK, Canada, Brazil, Australia and most EEA countries.
How much does the Wise Multi-Currency Card cost?
There’s no annual or monthly fee for the Wise Multi-Currency Card – just a one time 9 USD charge to order your physical card, or 11.58 for express delivery.
Once you’ve got your card you can spend any currency you hold with no foreign transaction fee. If you’re spending in a foreign currency and you don’t hold the balance you need, the card’s smart autoconvert technology can change your money to the currency required for a low fee from 0.57%.
First 2 withdrawals up to a combined total of $100/month for no fee. After that you’ll pay 2% of the withdrawal value + 1.5 USD per withdrawal. (ATM operators may charge their own fees. Fee amount varies by ATM operator.)
Fees to get a Wise Multi-Currency Card in the US
| Fee type | Personal account | Business account |
|---|---|---|
| Ordering a card | 9 USD (one-time) | Free |
| Optional express delivery | 11.58 USD | 11.58 USD |
| Digital cards | Free – up to 3 active at a time | Free – up to 3 active at a time |
| Replacing your card | 5 USD | 5 USD |
| Replacing an expired card | Free | Free |
| ATM withdrawals | First $100/month: no Wise fee; 2% + 1.50 USD/withdrawal after that | First $100/month: no Wise fee; 2% + 1.50 USD/withdrawal after that |
| Delivery | Standard: Free Express: From 11.58 USD | Standard: Free Express: From 11.58 USD |
| First card on the business account | – | Free |
| Expense cards for team members | – | 5 USD |
*About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information. Information correct at the time of writing – 2nd May 2025.
Learn more about Wise fees.
Is it worth getting a Wise Multi-Currency Card? ⭐️
The Wise Multi-Currency Card can be a smart way to manage your foreign currency spending in person and online. Hold 40+ currencies in your Wise account and spend any currency you have for free, avoiding bank foreign transaction fees. There’s no ongoing charge to pay, and no minimum balance to worry about, so you can just use your Wise Multi-Currency Card and account whenever you need to.
Here are some of the advantages you’ll get with a Wise Multi-Currency Card:
- No annual or ongoing fees to pay
- Spend in 150+ countries, with no foreign transaction fee
- First 2 withdrawals up to a combined total of $100/month for no fee, with low fees after that
- Manage your card from the Wise app to freeze, unfreeze or cancel
How long does it take to get a Wise Multi-Currency Card in the US?
Your physical Wise Multi-Currency Card will arrive in the mail to the address linked to your Wise account. The Wise Multi-Currency Card usually gets delivered within 14 to 21 days.
There’s also an express delivery option for those who need to receive their card quicker with a 1-2 day delivery time for a one-time fee of 11.58 USD.
How to start using your Wise Multi-Currency Card 🎉
Once your Wise Multi-Currency Card is activated, you’re ready to spend at home or abroad. With smart conversion technology and multiple ways to pay, getting started is quick and straightforward.
Here’s how to start using your card:
- Add money to your Wise account in USD or any of the 40+ supported currencies.
- Spend directly in USD for everyday purchases in the US.
- Convert your balance to another currency in advance using the mid-market exchange rate, or let Wise automatically convert at the best available rate when you pay.
- Pay using your phone by adding your Wise card or virtual card to Apple Pay, Google Pay, or another digital wallet.
- Use your Wise virtual card to shop online with added security and control
| 💡 More information: Wise Multi-Currency Card review |
How does the Wise Multi-Currency Card work in the US?
You can hold 40+ currencies in your Wise account, and use your card all over the world to spend and make withdrawals. There’s no fee to spend if you hold the currency balance you need – and if you don’t have the currency you need in your account, the Wise Multi-Currency Card will automatically convert the amount for you.
The conversion will be managed from whichever available currency account has the cheapest conversion fee, so there’s no need to worry about converting money before traveling as you’ll know you’ll always get the lowest fee every time you spend.
How to replace or cancel your Wise Multi-Currency Card
If you need to replace your card at any time, you can do so from the Wise app or desktop site. Here’s how to replace your Wise Multi-Currency Card in the Wise app:
- Tap the Card tab and then Replace card
- Choose the reason you’re replacing your card, from the options on screen
- Tap Replacement card
If you’re looking to cancel your Wise Multi-Currency Card entirely you can do so by getting in touch with Wise support using the chat function in the app.
Is the Wise Multi-Currency Card safe to use?
Yes, Wise Multi-Currency Card is safe to use. Generally it’s considered safer to use a card for spending and cash withdrawals when you travel, as opposed to carrying large amounts of cash.
Plus, Wise Multi-Currency Cards can easily be managed, frozen or blocked from the Wise app if you ever need to do so. You’ll get instant transaction notifications in your Wise app whenever your card is used, so it’s easy to keep on top of managing your money no matter where you are.
| 💡 Learn more: Is Wise safe to use? |
How to get a Wise Multi-Currency Card as a virtual card
Wise customers in many regions can order a Wise Multi-Currency Card along with the physical Wise Multi-Currency Card, for spending online and in person using a mobile wallet like Apple Pay.
How to get a Wise Multi-Currency Card as a virtual card
You can get a Wise Multi-Currency Card as a virtual card as soon as you order your physical card. Virtual cards are issued digitally and can be used for online payments or in-store via Apple Pay, Google Pay, or other mobile wallets, so you can start spending straight away.
Steps to get a Wise virtual card:
- Order your card and top up your account: Create your free Wise account in just a few minutes, then order your physical Wise Multi-Currency Card for a one-time fee of 9 USD. Open a balance in any of the 40+ supported currencies and top up your account to get started.
- Click ‘Get a digital card’: In the Wise app, swipe through your cards until you see the purple ‘digital card’. Tap ‘Get a digital card’ to create it instantly. On the Wise website, you can find the same option under the Cards tab.
- Start spending straight away: Add your digital card to Apple Pay, Google Pay, or another mobile wallet to start making contactless payments, or use it for secure online transactions with no foreign transaction fees and conversion at the mid-market exchange rate.
You can have up to 3 active virtual cards at a time, and manage or delete them anytime in the app for added flexibility.
💡 Why use a virtual card?
Virtual cards offer extra security and flexibility for your spending. Each virtual card has a unique number different from your physical card, adding extra protection when making purchases. You can freeze or delete a virtual card after each transaction to prevent unauthorized use, or use different virtual cards for different expense types to better manage your money.
Virtual cards work anywhere contactless payments are accepted, online or in person, using your phone. You’ll get the mid-market exchange rate, low transparent conversion fees, and no foreign transaction fees — just like with the physical Wise Multi-Currency Card.
How to replace or cancel your Wise Multi-Currency Card
If you need to replace your Wise Multi-Currency Card for any reason — whether it’s lost, stolen, or simply not working — you can do it quickly in the Wise app or on the website.
To replace your card in the Wise app:
- Go to the Card tab
- Tap Replace card
- Choose the reason for replacing your card
- Tap on Replacement card and confirm your delivery address
To replace your card on the Wise website:
- Click on Cards in the left-hand menu
- Select Replace card
- Pick the reason from the on-screen options
Depending on your choice:
- Lost card: Your card will be frozen. You can unfreeze it if you find it, or order a new one.
- Stolen card: Your card will be permanently blocked to protect your account. You’ll need to order a new one.
- Card isn’t working: You can still use it online or in mobile wallets until your replacement arrives. The card will only be cancelled once the new one is activated.
You’ll just need to confirm your delivery address to get your new card sent out. Standard delivery in the US takes around 14–21 working days.
Card replacement fee:
There’s a small fee to replace your Wise Multi-Currency Card — the exact amount will be shown during the replacement process.
If your card is nearing its expiry date and you use it regularly, Wise will remind you to order a new one around 2 months before it expires.
Card cancellation:
To cancel your Wise Multi-Currency Card entirely, just contact Wise support via the app.
Can I get a Wise Multi-Currency Card for business in the US?
As of now, Wise has temporarily paused issuing new Wise Multi-Currency Cards for business customers in the US. If you’re interested in ordering a card for your business, you can join the waitlist to be notified when they become available again.
For businesses in countries and regions where the Wise Multi-Currency Card is available, here’s how you can get started:
- Create a Wise Business account: Sign up for a Wise Business account online with no recurring monthly or annual subscription fees
- Verify your business details: Provide the necessary documents to verify your business and identity.
- Order your Wise Multi-Currency Card: Once your account is verified, you can order the card through the Wise platform.
Fees and delivery for Wise Wise Multi-Currency Card for business
- First card: Free
- Additional cards for team members: 5 USD per card
- Card replacement: 5 USD
- Standard delivery: Free; delivery within 14-21 working days
- Express delivery: From 11.58 USD; delivery within 1-2 days
There are no recurring monthly or annual subscription fees for the Wise Multi-Currency Card for business
Conclusion on getting a Wise Multi-Currency Card
A Wise Multi-Currency Card is easy to order, and can offer great international and multi-currency features including low cost currency conversion and convenient spending in 150+ countries. Simply open a Wise account online or in the Wise app, and order your Wise Multi-Currency Card there.
There’s no fee to spend any currency you hold – and Wise accounts can hold a pretty impressive 40+ currencies. If you don’t have the currency you need the Wise Multi-Currency Card will automatically convert your balance with low fees from 0.57%. That means you avoid the foreign transaction fees usually added by banks, so your money could go further when you spend internationally.
How to get a Wise Multi-Currency Card FAQ
How do I get a Wise Multi-Currency Card?
You can order a Wise Multi-Currency Card by registering a free Wise account online or on the Wise app. Registering a Wise account is a pretty straightforward process, and then you’ll be able to order your Wise Multi-Currency Card by logging into your account, adding some ID and paying a one time fee of 9 USD or 11.58 USD for express delivery.
Can I get a Wise Multi-Currency Card in the US?
Yes. The Wise Multi-Currency Card is available in the US and a selection of other countries and regions, including the UK, Canada, Brazil, Australia and most EEA countries.
Does Wise give you a card?
Yes. You can order a Wise Multi-Currency Card which is linked to your Wise account, online or in the Wise app.
How much does the Wise Multi-Currency Card cost?
There’s a one-time 9 USD fee to order the Wise Multi-Currency Card in the US, or 11.58 USD for express delivery. Once you have your card it’s free to spend any currency you hold, and the first 2 withdrawals up to a combined total of $100/month have no fee, with low ATM fees after that.
| 🎯 Learn more: How to withdraw money from Wise Multi-Currency Card |
How many days does it take for a Wise Multi-Currency Card to arrive?
Your Wise Multi-Currency Card will arrive in 14 – 21 days if you’ve ordered for delivery to a US address, or 1-2 days if you’ve opted for express delivery.
Is it free to get a Wise Multi-Currency Card?
There’s a one time fee of 9 USD to order a Wise Multi-Currency Card in the US, with no annual or monthly fees to worry about after that.
How do I activate my Wise Multi-Currency Card outside the US?
If you’ve ordered a Wise Multi-Currency Card to be linked to your Wise US account you’ll need to activate your card in the US. That means you’ll need to log into your Wise account once you have your card, to enter a few details for security and get your card ready for use.
Can you get a Wise Multi-Currency Card when traveling abroad?
Order your Wise Multi-Currency Card online or in the Wise app, for delivery to your registered Wise address. You’ll need to activate the card before you can use it, in the US – so order prior to your planned travel.
Does the Wise Multi-Currency Card have an annual fee?
There’s no annual or monthly fee for the Wise Multi-Currency Card. You’ll just pay a one-time 9 USD fee to order the physical card, with no ongoing subscription costs.
