You can use your Wise card like any other bank card to withdraw money at ATMs around the world.
There are two types of fees we charge for ATM withdrawals which are based on how many times you withdraw and how much you withdraw.
The exact fees you pay depend on where your card was issued — it’s usually the registered address on your Wise account.
How many times you withdraw
You get 2 free withdrawals per calendar month. After your second withdrawal, we’ll charge a small fixed fee per withdrawal.
For example, if your card was issued in the EEA, your fixed fee per withdrawal would be .50 EUR.
We charge a fixed fee from the third withdrawal onwards — regardless of how much money you've withdrawn that month.
How much you withdraw
Each calendar month you have a free withdrawal allowance — you can withdraw money up to that amount without any variable fees.
A variable fee changes based on how much you withdraw. For example, if your card was issued in the EEA, your card has a 1.75% variable fee. If you withdraw 100 EUR, then the variable fee would be 1.75 EUR.
We charge the variable fee for every withdrawal on your Wise card over your monthly allowance, regardless of how many times you made a withdrawal that month.
Check the table below to see what the fees are for your card.
Region | Free allowance per month | Fixed fee | Variable fee |
---|---|---|---|
Australia | 350 AUD | 1.50 AUD | 1.75% |
Brazil | 1,400 BRL | 6.50 BRL | 1.75% |
Canada | 350 CAD | 1.50 CAD | 1.75% |
EEA | 200 EUR | 0.50 EUR | 1.75% |
Japan | 30,000 JPY | 70 JPY | 1.75% |
Malaysia | 1,000 MYR | 5 MYR | 1.75% |
New Zealand | 350 NZD | 1.50 NZD | 1.75% |
Philippines | 12,000 PHP | 30 PHP | 1.00% |
Singapore | 350 SGD | 1.50 SGD | 1.75% |
UK | 200 GBP | 0.50 GBP | 1.75% |
USA | 100 USD | 1.50 USD | 2.00% |
How to save money when withdrawing cash
Here are some tips to get the most out of your withdrawals:
Limit the number of withdrawals you make — you can make 2 free withdrawals each month. After that, you’ll pay a fixed fee per withdrawal.
Limit the amount you withdraw — if you withdraw over a certain amount, then you’ll be charged a variable fee which changes based on how much you’re withdrawing.
If the ATM asks to convert the money for you, we recommend saying no because they often charge an unfair exchange rate.
If the ATM asks to debit in your home currency or local currency select local. For example, if you’re travelling in the US, select USD.
Note: If you withdraw cash in a currency you're not currently holding, we'll charge a conversion fee to convert it for you. Check our fees here.
How can I check if I can withdraw for free?
Here’s how to check how much you can still withdraw for free, and when your free allowance limit resets.
On the Wise app:
Go to Card
Scroll down and select Limits
Select ATM Withdrawals. You'll see your daily and monthly limit and when it will reset.
Select Check out ATM fees to see your free allowance
On web:
Go to Card
Select Edit limits on the top right
Select ATM withdrawal limits. You'll see your daily and monthly limit and when it will reset.
Select ATM fees to see your free allowance
What counts towards my free withdrawal allowance?
If you have multiple cards on your account, the fees apply per account.
Wise withdrawal fees and third-party ATM fees are counted towards the withdrawal limits.
Unsuccessful withdrawal attempts may count towards your limits and free allowance.
Why was I charged more fees by the ATM?
Some ATMs may charge additional fees over what we charge. We have no way of predicting those charges, but they’re usually visible on the ATM before you agree to the withdrawal.
What happens if I move?
If you change your registered address after moving to another country your limits should get updated automatically.
If not, you can order a new card once your registered address has been updated. We’ll update the cash withdrawal fees for all your cards to reflect the fees that apply to your new country of residence.
For more information, check out our pricing page. Make sure to set the correct location from the top right corner of the page.