Wise Debit Card
Multi-currency debit card with a fair exchange rate — ideal for travel and foreign payments.
Score: 8.0 / 10 · Good
Rating: 9.0 / 10 · 6.300 reviews
Best for: Multi-currency & travel
Overview
The Wise Debit Card is a debit card from Wise on the Visa network. Multi-currency debit card with a fair exchange rate — ideal for travel and foreign payments. It comes with no annual fee on a permanent basis. A surcharge of 0.35 % applies to payments in foreign currency.
Who is it for?
Our take: Multi-currency & travel. Its strengths lie in mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. As a debit card, transactions are debited directly from your account.
How the score is calculated
Overall score: 8.0 / 10 · Good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 7.4 / 10 |
| Cash worldwide (14 %) | 4.3 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 1.8 / 10 |
| Community signal (12 %) | 9.1 / 10 |
Highlights
- €0 account fee, virtual card free
- Exchange at the real mid-market rate
- Withdraw up to €250/month free
- Hold over 40 currencies in the account
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Visa |
| Issuer | Wise |
There is no annual fee. Outside the euro area a 0.35 % foreign currency fee applies. A fee of 2.69 % applies to cash worldwide (up to €250/month free). Billing: Immediate deduction from the current account on each payment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Debit Credit Cards · Visa Credit Cards Compared · Credit Cards Without SCHUFA Compared
Related guides: Virtual credit cards, Apple Pay & Google Pay · What is SCHUFA? Germany's credit score guide · Types of credit cards in Germany explained
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- DKB Visa Debit Card – Popular debit card with the DKB account — free for active customers.
- Klarna Card – Free Visa debit card with no foreign currency fee, ideal for online shopping.
Frequently asked questions
- What does the Wise Debit Card cost per year?
- The Wise Debit Card has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Wise Debit Card charge foreign currency fees?
- Yes. Outside the euro area the Wise Debit Card charges a 0.35 % foreign currency fee.
- Is the Wise Debit Card a genuine credit card?
- The Wise Debit Card is a debit card — transactions are debited directly from your account.
- Is the Wise Debit Card available without SCHUFA?
- Yes, the Wise Debit Card can generally be obtained without a classic SCHUFA credit check or without a negative SCHUFA record. The provider's terms always apply.
- How is money on the Wise Debit Card protected?
- NO statutory deposit guarantee. Wise is an electronic money institution (not a bank). Customer funds are protected via safeguarding: held in segregated accounts at regulated partner banks, separate from Wise's own assets.