Wise Virtual Card
Wise (ex-TransferWise) issues a virtual card on Visa/Mastercard for cross-border spend; here is how to get one and what it clears, from our dataset.
Wise is a strong pick for cross-border and streaming spend thanks to mid-market FX. Get the virtual card free inside the app after standard KYC.
At a glance
| Issuer / category | Wise · Remittance / Cross-border |
| Official site | https://wise.com |
| KYC | Yes |
| Network | Visa / Mastercard |
| Create fee | Free (virtual); physical card one-time fee |
| Monthly fee | 0 (no monthly fee) |
| FX fee | 0.33%–0.7% (mid-market) |
| Crypto top-up | No |
| Best for | Streaming · App Store / Play |
| Rating | 8.3/10 (4.0★) |
| Risk level | Medium |
Profile from the VCCFinder dataset (456 cards), last verified September 2026.
How to get a Wise card
Open a Wise account, pass standard KYC, and issue the virtual card free inside the app. A physical card is a one-time fee. In our data the virtual card arrives immediately after verification, so "how long" is usually minutes.
What it clears
Wise supports Netflix/Spotify and App Store/Google Play in our data, with mid-market FX (0.33-0.7%). It does not top up with crypto.
Frequently asked
How do I get a Wise card?
Open a Wise account, complete KYC, then issue the virtual card free in the app; the physical card is a one-time fee.
How long does a Wise card take to arrive?
The virtual card is issued immediately after KYC in our data - typically minutes, not days.
How do I use a Wise digital card?
Add it to the Wise app and wallet; use the virtual number for online and in-app spend with mid-market FX.
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. This guide is reference material, not a test log; the 456 ranges we track inform the provider and category pages linked above.
Log through 26 Sep 2026 09:00 UTC.