Wise (travel card) Review 2026 — Pricing, Terms & Verdict
Our Verdict
We evaluated Wise (travel card) in the fee-free card category on 6 weighted criteria, based on its public interface, its displayed pricing conditions, and publicly available information.
Who Is It For?
- Travellers who pay in several currencies: the Wise card works in more than 40 currencies and 150 countries and territories
- Travellers who withdraw little cash: up to 100 CAD per month at ATMs with no Wise fee
Not Ideal For…
- Heavy ATM users: above 100 CAD per month, each withdrawal costs 2.69 CAD plus 2.69% of the amount above 100 CAD
Criteria Breakdown
| Criterion | Score | Weight | Comment |
|---|---|---|---|
| Geographic coverage | 8/10 | 15 % | The Wise card lets you pay in more than 40 currencies and 150 countries and territories. Free ATM withdrawals up to CA$100 per month with the Canadian card. |
| User experience / App | 8/10 | 15 % | App rated 4.7/5 on the Canadian App Store. Digital card created in seconds; instant card freeze and unfreeze and a notification for every transaction. |
| Reliability / reputation | 9/10 | 20 % | Wise launched in 2011 and says it helps more than 18.9 million people. In Canada, Wise Payments Canada Inc. is registered with FINTRAC as a money services business (M15193392) and holds a money services business licence from Revenu Québec; in the United Kingdom, Wise is authorised by the FCA to issue electronic money. Customer money is held separately from Wise's own funds. |
| Support quality | 8/10 | 15 % | Customer service by phone, email and chat, 24/7 in English, with 14 other languages supported. Online help centre. |
| Value for money | 9/10 | 20 % | Mid-market exchange rate, variable conversion fees depending on the currency. No monthly or annual fees, and a free physical card (express delivery from 15.41 CAD). |
| Fee transparency | 9/10 | 15 % | Real-time cost simulator on the website. Wise publishes its card fees: spending at the mid-market rate, with no markup or margin; top-ups to external e-wallets at 2%. |
Strengths
- Digital card created in seconds, usable with Google Pay or Apple Pay
- Spending at the mid-market rate, with no markup or margin, and no monthly or annual fees
Weaknesses
- 2% fee on top-ups to external e-wallets, and paid ATM withdrawals above 100 CAD per month
Pricing & Conditions
In Canada, the Wise card is free with no monthly or annual fees (express delivery from 15.41 CAD, replacement 5 CAD). Spending is at the mid-market rate, with conversion fees that vary by currency. Withdrawals up to 100 CAD per month at ATMs with no Wise fee, then 2.69 CAD plus 2.69% of the amount above 100 CAD.
How this review was conducted
Documentary review of Wise (travel card)'s public pages (wise.com), as recorded on 2026-05-31 (some items checked again on 2026-10-08). No field test was carried out: no subscription, no purchase and no exchange with customer support. Our method: How we evaluate.
This review is a documentary evaluation of Wise (travel card) covering 6 criteria, based on the public interface and the displayed conditions. No purchase or actual subscription was made as part of this evaluation.
Pricing information is indicative — verify current terms on the provider's website before any purchase or subscription. Affiliate disclosure.
