Wise review

Wise ranks first because its pricing is the easiest to check: it converts at the mid-market rate, the same one shown on Google, and adds a separate fee that starts at 0.23% depending on the currency. There is no subscription. A free account holds money in many currencies, gives you account details to receive payments in 22 currencies, and the Multi-Currency Card spends in 40+ currencies. The physical card costs 9 USD once, while the digital card is free. Travelers get 250 USD of fee-free ATM withdrawals each calendar month; after that Wise charges 1.95 USD plus 1.95% per withdrawal, and ATM operators may add their own fees. Wise says more than 18.9 million people use it to send money abroad. The weak spots are small: card ordering and replacement fees, the 2% fee for topping up some e-wallets, and an ATM allowance that heavy cash users will exhaust quickly.

Who it is for

travelers and expats who hold and spend several currencies

Price

Free account with no subscription; conversion fees from 0.23%; physical card 9 USD once.

Getting the Wise Multi-Currency Card No subscription fees 9 USD
Quoted from the vendor pricing page on November 14, 2026.

Key features

• Converts at the mid-market rate with conversion fees from 0.23%, varying by currency
• Multi-Currency Card spends in 40+ currencies
• Account details to receive money in 22 currencies
• Free ATM withdrawals up to 250 USD per calendar month, then 1.95 USD + 1.95%
• Volume discounts on large conversions and premium support above 25,000 USD

Strengths and weaknesses

• Strength: No subscription or plan fees: you pay only for what you use
• Strength: Free to send the same currency between Wise accounts
• Strength: Fee is shown upfront and separate from the exchange rate
• Weakness: Physical card costs 9 USD and a replacement costs 5 USD
• Weakness: ATM fee of 1.95 USD + 1.95% after the first 250 USD each month
• Weakness: Topping up external e-wallets costs 2%

Key facts

• Monthly fee: None
• Conversion fee: From 0.23%
• Card: 9 USD, digital card free
• Free ATM allowance: 250 USD per calendar month
• Card currencies: 40+

Where it ranks

Wise is No. 1 in our Best Currency Exchange Apps verdict.