How to use the Wise card in Singapore 

At a glance: Benefits of using the Wise card in Singapore

Key points:
Multi-currency support	Hold and spend in 40+ currencies. Whenever you pay in a currency you don’t yet hold, Wise uses low conversion fees and the mid-market rate.
Transparent conversion fees	No foreign transaction markups from Wise and you’ll see the conversion fee clearly when converting currencies you don’t hold.
Card fees	Ordering your physical card costs 8.5 SGD. There are no monthly maintenance fees, but replacing your card costs 4 SGD.
ATM withdrawals	Get two overseas withdrawals each month (up to 350 SGD) with no Wise fee*, with a small Wise fee per withdrawal after that.
Virtual/digital card & mobile payments	Create and use a digital card immediately to add to your Apple Pay or Google Pay wallet – perfect for online shopping and contactless in-store payments.
Safety and control	Freeze and unfreeze your card instantly, get instant transaction notifications and create a digital card to reduce the risk of loss and theft.

Can I get a Wise card in Singapore?

Singapore residents can order the Wise card online and use it for spending in SGD or in 40+ other currencies when travelling or shopping abroad. The card connects to your Wise account, so you can hold balances, spend directly from them, or let Wise convert automatically at the mid-market exchange rate with low fees.

The Wise card comes with holding, spending and ATM withdrawal limits which apply for safety and regulatory compliance. You can check your limits in the Wise app and even set lower custom limits for extra security. Wise also offers a business card in Singapore, linked to the Wise Business account, which can be useful for freelancers, entrepreneurs, or business owners who need to pay suppliers and manage international expenses.

Wise Singapore is licensed by the Monetary Authority of Singapore (MAS) as a Major Payment Institution under the Payment Services Act (see MAS Financial Institutions Directory). To receive and maintain this licence, Wise must follow strict rules and legislation to keep customer funds and accounts safe.

Using the Wise card for everyday transactions in Singapore

Once your card is active, you can use it just like any other debit card for day-to-day purchases. It works in-store, online and with digital wallets such as Apple Pay and Google Wallet. You can also create a virtual card for safer online shopping, while the Wise app shows you spending categories and instant notifications, so you know where your money is going.

Everyday uses for your Wise card in Singapore:

• Shopping and dining: Pay for groceries, meals out, or everyday purchases in SGD with no extra foreign transaction fees when you hold sufficient SGD balance in your account.
• Transportation: Use your card for contactless travel payments or to top up your public transport transit accounts.
• Online purchases: Shop with international retailers and let Wise convert automatically at the mid-market exchange rate.
• Mobile and virtual payments: Add your Wise card to Apple Pay or Google Wallet, or create a virtual card for extra security when shopping online.
• Budget tracking: Get instant spend notifications and view spending categories such as groceries or transport.
• Security features: Freeze or unfreeze your card instantly in the Wise app if it’s lost or stolen.

Managing your card with the Wise app

The Wise app makes it simple to manage your card and account wherever you are. You can add money to your account, convert currencies and set spending limits in just a few taps. Every transaction is tracked in real time, so you’ll know how much you’ve spent and in which category.

Need to adjust how you use your card? You can freeze and unfreeze it instantly, set alerts, or order a virtual card for secure online shopping. If you travel abroad, the app also lets you switch between currencies at the mid-market exchange rate, with fees you can see upfront before you confirm the exchange.

How do I put money on my Wise card?

You can top up your Wise account and use the balance with your card directly from the app. Supported payment methods include bank transfer, debit card and PayNow for transfers in SGD. You’ll see the fees upfront before you confirm the payment, so there are no surprises.

At the moment, you can’t add funds using cash at ATMs, and all top-ups need to be made electronically.

Wise card fees in Singapore

The Wise card has straightforward pricing, with no subscription or annual fees. You simply pay a one-time fee to order the card, and then only small charges depending on how you transact. If Wise converts money for you, the mid-market rate is used with a low, transparent fee.

💡 Wise card pricing
Card order fee	8.5 SGD in Singapore 16 SGD for optional Express Delivery (overseas addresses only)
Monthly or annual fee	None
Fees for spending	No Wise fee if you hold enough balance in the transaction currency. If conversion is needed, fees start from 0.26%
Fees for topping up	Depends on your chosen method. For example, topping up external e-wallets carries a 2% fee. See more on Wise pricing
ATM cash withdrawal fees	2 withdrawals or up to 350 SGD have no Wise fee*. After that, there is a 1.5 SGD fee per withdrawal + 1.75% of the amount over 350 SGD
Getting a digital card	Free
Replacing your card	4 SGD
Replacing expired card	Free

Is the Wise card safe to use?

Built with multiple security features, the Wise card helps protect your money in Singapore and when you travel. Every account uses two-factor authentication, biometric login and advanced encryption to keep your details safe. You’ll also receive instant spending notifications, so you know when your card has been used.

If you ever misplace your card, you can freeze or unfreeze it straight away in the Wise app or cancel it and order a replacement in emergencies. For extra protection online, you can also generate a virtual card to keep your main card details private.

To stay secure while using your Wise card in Singapore and abroad:

• Enable instant notifications to keep track of every transaction.
• Freeze your card in the app immediately if it’s lost or stolen.
• Avoid sharing your PIN or login details with anyone.
• Use ATMs in safe, well-lit locations when withdrawing cash.
• Review your spending history in the app regularly and set spending limits if needed.

How to get a Wise card in Singapore

Ordering a Wise card in Singapore is simple, and can be done entirely online. The card costs 8.5 SGD to order, with standard delivery taking 3 working days. If you’d like it sooner, you can choose express delivery from 16 SGD, which usually arrives in 1–2 working days (available for overseas delivery addresses).

While you wait, you can also create a digital card instantly in the Wise app to start shopping online or add to your mobile wallet. Wise only issues one physical card per customer, but you can create up to three digital cards at the same time in the app for an extra layer of security for online shopping or subscriptions.

Steps to order your Wise card:

1. Open a Wise account: You’ll need an active account before you can order the card.
2. Verify your identity: Provide your passport or NRIC. In some cases, you may also be asked for proof of address.
3. Order your card in the app or online: Go to the “Cards” tab and follow the steps to pay the order fee.
4. Wait for delivery: Standard delivery usually takes 3 working days, while express shipping (available for overseas delivery addresses) typically arrives within 1–2 days.

Once your card arrives, you can activate it easily. In Singapore, activation happens when you make your first chip and PIN payment. After that, the card is ready to use for purchases in-store, online, or abroad.

Full details on ordering are available on Wise’s How do I order a Wise card? Page.

Moving to Singapore with a Wise card

If you already have a Wise card before relocating to Singapore, you can usually keep using it until it expires. You can find the full list of eligible countries on the Wise Help Centre.

Card availability is based on licences for each country and region, and these can change when you move, meaning some relocations will require a new card. For example, if you’re moving to or from the US, Turkey, Malaysia, or the Philippines, you’ll need to order a fresh Wise card once you’re settled.

In places like Israel and Hong Kong, Wise cards can’t currently be issued, and existing cards are blocked due to local regulations. If you’re relocating from one of these countries, you’ll be able to apply for a new card once your Singapore address is updated in your Wise account.

If you’re coming to Singapore, you don’t need to worry. Wise cards are also available here, so once you update your address you’ll be eligible to order one. The card costs 8.5 SGD, with standard delivery usually taking 3 working days. If you prefer, you can choose express shipping from 16 SGD if you need your card sending abroad, which normally arrives in 1–2 working days. While you wait for your physical card, you can create a digital card straight away in the app and start spending in SGD or any of your other balances.

If your current country isn’t eligible yet, you can join the Wise card waitlist and be notified when cards become available.

Where can I use my Wise card?

The Wise card is built for life at home and abroad. You can use it to pay in shops, restaurants and online in more than 150 countries. For expats in Singapore, this means you can use the same card for groceries in your local supermarkets like FairPrice, a weekend trip to Malaysia or a family visit back home without worrying about hidden international fees.

You can’t use your Wise Singapore card to make ATM withdrawals in Singapore, but if you ever find you need cash when you travel, your card can be used for international ATM withdrawals as and when you need them.

Because the card connects to your Wise account, you can hold over 40 currencies at once and spend directly from those balances. If you don’t already have the right currency, Wise’s smart conversion steps in automatically, so you’re getting the mid-market exchange rate with a small, transparent fee.

More information on supported countries and currencies is available in the Wise Help Centre.

Using the Wise card for international travel

When you’re travelling from Singapore, the Wise card works like a local debit card in each destination. You can spend directly in the currency you hold, or Wise will convert from another balance using smart conversion technology.

For example, if you’re paying 50 GBP at a cafe in London and you already have pounds in your Wise account, the money will come straight from that balance with no extra conversion fee. If you don’t have GBP, Wise may switch the amount from the balance you hold that gives you the lowest cost or the best available rate. The whole process is automatic, so you don’t need to choose balances before you travel.

Ways to use the Wise card while travelling abroad:

• Pay abroad like a local: Use your card in shops, hotels, restaurants and public transport across 150+ countries.
• Withdraw local cash: Take money out from ATMs overseas, within your free monthly allowance.
• Smart conversion: If you don’t hold the local currency, Wise automatically converts from the balance that gives you the best deal.
• Virtual cards: Create a digital card for safer online bookings, travel reservations, or subscription services abroad.
• Mobile wallets: Add your Wise card to Apple Pay or Google Wallet and pay contactless with your phone or smartwatch.
• Track your spending: See transactions sorted by category, like travel, dining, or transport, so you can stick to your budget.
• Stay secure: Freeze or unfreeze your card instantly in the app if it’s ever lost or stolen while you’re travelling.

What are my Wise card spending limits?

Every Wise card has spending and withdrawal limits to help keep your money safe and manageable. In Singapore, limits apply on the amount you can hold, send and spend across all the cards linked to your account, and cover both ATM withdrawals and purchases made in-store or online.

At any given time you can hold up to 20,000 SGD in your Wise currencies or Jars as cash. There’s no limit on the amount you hold as Interest or Stocks, or money that you move from your cash balance into Interest or Stocks.

Singapore personal accounts can’t send or spend more than 100,000 SGD (or equivalent) in a fixed 12‑month window from 1 April to 31 March of the following year.

You’ll also have a daily limit, which refreshes every midnight, and a monthly limit, which resets at the start of each month. These limits set the maximum amount you can spend or withdraw within those periods. If you’d like more control, you can also set your own lower daily or monthly caps for individual cards in the Wise app if you want to stick to a budget or limit online shopping.

If you ever need more flexibility, you can increase your account limits within the app or online, up to the maximum allowed in Singapore. And if you move abroad and update your registered address, your limits will automatically update to reflect the rules in your new country of residence.

Key takeaways

• Singapore residents can order the Wise card for a one-time fee of 8.5 SGD, with optional express delivery starting from 16 SGD.
• The card supports 40+ currencies and works in over 150 countries, making it a practical option for expats, international students, and frequent travellers.
• A digital card is available instantly in the Wise app and can be added to Apple Pay or Google Wallet while you wait for your physical card.
• Everyday spending, online purchases and overseas ATM withdrawals are supported, with automatic conversion at the mid-market exchange rate if you don’t hold the local currency.
• If you move to Singapore from another eligible country, you can usually keep using your Wise card until it expires, and then order a replacement linked to your Singapore address.
• The Wise app lets you manage your card with ease: track spending by category, freeze or unfreeze your card, set limits and create virtual cards for extra security.
• You can use your Wise Singapore personal account to send or spend up to 100,000 SGD (or equivalent) in a fixed 12‑month window from 1 April to 31 March.
• Default daily and monthly spending and withdrawal limits also apply, but you can adjust them in the app or online at any time.

FAQs

Is the Wise card a credit card?

No, the Wise card is a debit card that’s linked to your Wise multi-currency account, so you can only spend money that you already have in your balance.

How does the Wise card know which currency to use?

If you hold the local currency in your Wise account, the card will draw directly from that balance. If you don’t, Wise automatically uses Smart Conversion to switch from another balance at the mid-market exchange rate, choosing the option that gives you the lowest possible fee. The process is automatic, so you don’t need to set it manually before you pay.

How do I use my Wise card for the first time?

When your physical Wise card arrives, you can make a chip and PIN purchase at a shop or ATM to finalise activation. While you wait for your physical card, you can start using a digital card straight away by adding it to Apple Pay or Google Wallet.

How do I pay for things with my Wise card?

You can use your Wise card for everyday purchases in shops, restaurants and online, just like any other debit card. It works with contactless payments, chip and PIN, and mobile wallets like Apple Pay and Google Wallet. You’ll also get real-time notifications in the Wise app after each transaction, making it easy to track your spending.

Useful resources

• Wise Singapore – Debit card: Order your Wise card and learn more about how it works
• Wise Help Centre – Wise card use and ATM withdrawals – Explainer on where Wise cards issued in Singapore can be used for payments and withdrawals
• Wise Help Centre – Wise card holding limits in Singapore – details of MAS imposed holding limits for Singapore customers
• Wise Help Centre – Wise sending and spending limits in Singapore – important limits for Singapore customers
• Wise Help Centre – Ordering your Wise card: Step-by-step guide to getting your card
• Wise Help Centre – Safety and security: How Wise protects your money and data
• Wise Help Centre – Can I get the Wise card in my country?: The full list of eligible countries and regions