Wise
Wise is a remittance / cross-border issued on Mastercard, rated 7.3/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Wise is the strongest fit for streaming and app store / play, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Wise · Remittance / Cross-border |
| Official site | https://wise.com |
| Best for | Streaming · App Store / Play |
| Network | Mastercard |
| Rating | 7.3/10 (3.5★, 872 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free (virtual); physical card one-time fee |
| Monthly / annual fee | 0 (no monthly fee) |
| FX / conversion fee | 0.33%–0.7% (mid-market) |
Verification and risk
| KYC required | Yes |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Cards per account | 3 virtual |
Billing
| Billing country | Varies (global) |
Platform compatibility
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
What the issuer states on its own site
- You'll need a Wise Business account, 003cfeeLink 003eone-off fee 003c/feeLink 003e may apply.
- As such, if the institution fails, your funds are eligible for CDIC deposit protection up to $100,000 when CDIC trust disclosure requirements are met.
- Everything you need to send, spend and manage your money worldwide. Low fees. Lightning-fast. 100% transparent.
- Sending over 30,000 SGD or equivalent? We'll discount our fee.
Source: https://wise.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 228942 | Mastercard | Singapore | Prepaid | 304 | 218 | 71.7% |
We logged 218 cleared charges out of 304 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Head-to-head comparisons
4 comparison pages use this brand as one side.
Frequently asked
What does Wise cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is 0 (no monthly fee); conversion is priced at 0.33%–0.7% (mid-market). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Wise?
Wise asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
Which billing address does Wise need?
Setting it up: the issuing region is not one country, and the issuer lists it as Varies (global); an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Wise work for subscriptions and AI tools?
We recorded successful charges for Netflix and Spotify, the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Wise trigger 3-D Secure?
Yes. Wise supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Wise?
The issuer allows 3 virtual. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.