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Multi-Currency Debit CardVisa/Mastercard
Wise Multi-Currency Account
Wise (formerly TransferWise) · Global
4.8
RatingKey Information
Annual FeeFree
CurrencyMulti
DifficultyEasy
Local ID RequiredNo
Credit HistoryNot Required
NetworkVisa/Mastercard
Benefits & Rewards
- Hold 40+ currencies simultaneously
- Mid-market exchange rate
- Local bank details in 10+ currencies
- Free ATM withdrawals up to $100/month
- Instant currency conversion
- Virtual and physical card options
Pros
- + Best exchange rates available
- + Available globally in 170+ countries
- + Low, transparent fees
- + Multi-currency account with local details
- + No credit check required
Cons
- - ATM fee after $100/month free limit
- - Not a full bank (no lending/credit)
- - Card delivery time varies by country
- - Some countries have limited features
Application Requirements
- Valid government-issued ID
- Proof of address
- Minimum age 18
- Available in 170+ countries
Required Documents
Passport or national IDProof of addressSelfie verification
Fees
Annual FeeFree
Card Issuance$7-9
ATM WithdrawalFree up to $100/month, then 1.75%
Currency Conversion0.35%-1.5% depending on currency
Monthly FeeFree
Frequently Asked Questions
Is Wise a real bank?
Wise is a licensed financial institution but not a traditional bank. It's regulated in multiple jurisdictions and your funds are safeguarded.
Can I receive salary in my Wise account?
Yes, Wise provides local bank details (e.g., US routing number, UK sort code, EU IBAN) that you can use to receive payments.
Free
Annual Fee
Recommended for
Digital nomadsFreelancersInternational travelersCross-border workers
Tags
#global#multi-currency#digital-nomad#travel#fintech
Last verified2026-05-16
SourceOfficial site
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Details Disclaimer: This page provides publicly available information only and does not constitute financial advice, credit advice, or application guarantees. Actual application conditions, fees, benefits, and approval results are subject to the official page of the issuing institution.
免责声明：本页面仅提供公开信息整理，不构成金融建议、信用建议或申请承诺。 具体申请条件、费用、权益和审批结果以发行机构官方页面为准。