Watch This Before Using Wise - Wise Travel Money Card Review
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- čas přidán 13. 07. 2024
- Sign up to get a fee-free transfer from Wise up to £500: wise.prf.hn/l/o3B5xWk
In this video I give you my thoughts on the Wise Travel Card after using it for the last 6 months.
In this review, I go through how to use the Wise card, Wise app is like to use, the International transactions fees, how to pay with Wise, Wise Apple Pay and digital cards, how to exchange money with Wise and more.
If you enjoy this content please consider subscribing for more.
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0:00 Intro
1:01 Before we started using Wise
3:04 Advantages of using Wise
4:25 Wise Vs Big Banks
6:20 Is it user-friendly?
7:02 Hols Multiple currencies
7:35 Summary
#wise #travelmoney #wisecard
Sign up to get a fee-free transfer from Wise up to £500: wise.prf.hn/l/o3B5xWk
The music is awful - too loud 😭
And you get paid for every 3 who join and make transfers.
Totally agree.
Perhaps for the sake of completeness, we should mention that Wise does NOT issue a credit card, but a Visa debit card. So no credits or associated insurance(s).
You are correct.
Been travelling overseas twice a year & using Wise for many years & never had any dramas.
Much better deal than the big banks.
Cheers.
I recently returned from Singapore, Malaysia, Nepal, Thailand, Indonesia and Aussie and used the Wise card in all of the countries, also used it on the MRT in Singapore....great card and easy to just transfer over onto the card what you will need for the day just in case it gets hacked.
agreed
I've been using a Wise card for a while & agree with everything said in this video.
I also use Revolut which is also very good. Wise has more fiat currencies but Revolut has crypto, a metal card option & a higher fee free Atm limit (with the metal card), disposable 1-use virtual cards for safe online purchases, & even a travel delay feature for free lounge access if your flight is delayed for more than 1 hour. I use both cards/services. & I think it's always a good idea to have multiple cards available just in case 1 card does get blocked for some reason, or lost/stolen. I try to never put all my eggs in one basket.
Yes, Wise is great EXCEPT when they cancel your card before the expiration date leaving you with no card in a foreign country. Oh, they WILL NOT send a new card to your travel location. They want you to use the virtual card but many places do not have Apple Pay or some sort of TAP system. They were a 10 in my book but now? ......5.
Oh no!! This answered my question regarding getting a card sent if we lost our card outside the country we opened the account. What do you use now? Im sorry that happened to you.
@@timjoygray Wise canceled my card 45 days before it was due to expire because they are upgrading some security and payment systems. The trouble is I am traveling. You know the reason I got the card, to travel. So even though they sent out email notices I couldn't get a new card since I was not at my US address. I called and they said they would not cancel the card and if I had trouble to call them. Of course, the card stopped working mid-June and I called back to hear that there was nothing they could do and I would have to get a new card. Well I planned to do that when I was back in the US in August. And No, they could not send a new card to a different address in Mexico. I had to get an electronic card. Great except it is very difficult to use an electronic card in Mexico. Grocery stores don't always take electronic cards. This is a total pain in the A$$.
Thank you for your time and posting. Great info. I'll check it out.
Thanks for watching!
💯 spot on. The speed of transfer to Asian banks is less than 2 hours. Sometimes less 5 minutes. Wise is awesome.
Yes I have a wise card and love it but always recommend travelling with at least 2 different cards just in case 1 is blocked,lost, stolen,hacked!!
Great idea!
Totally agree! I have an Emergency Fund account, an bring it's debit card when traveling. I leave it locked through the app. I then leave it my my hotel safe. I do a similar thing with my driver's license, leaving it in the safe and using my State ID card.
Awesome. Glad CZcams through I should watch this! I could use something like this. Always happy to save a few bucks!
Glad it was helpful!
Thanks for the info. Just signed up for the Wise card using your link, off to Thailand in 3 weeks.
I do everything Wise. ❤
Lol
Wise is just amazing that I been using for couple years, absolutely LOVE it. highly recommended!!
Totally agree!
Only place I’ve had it not work was Cambodia. (We had to use another bank card there.) If you travel internationally, I recommend it! Easy to transfer funds onto the card to use at foreign ATMs.
I have not encountered any difficulties using the WISE card in Cambodia. Neither has my travel companion. Over several trips there.
@@paul2d this was in Siem Reap. Tried it twice, but not a big deal because I had another bank card.
i was using my digital wise card in cambodia for 6 months no problems
We recently started using wise after having multiple problems with our Bank. Been a humbling experience using Wise. Looking forward to travelling with this card 👍
We are Aussies, travel the globe and have to say have not had any issues with our cards from our Aussie and Asian banks. We buy airfares and large purchases without issue as well as access cash in every country. Zero fees is a must as well as ability to lock and stop 🛑 online if lost.
Good vid!
Thanks so much!
I have used Wise card I can definitely say it’s awesome and so easy to set up and use
Hi there, I not long ago, downloaded the Wise app to my Android. I haven't used it as of yet but, after watching your video, I'm feeling hopeful that there won't be any issues once I start. Thank again for useful information.
Glad I could help
Hey Lloyd, thanks for the informative video. Question, you mentioned you can load and use the card in Thailand but on the App I get a message saying "Our cards aren't available in Thailand" How did you get yours? Cheers
Have you ever had Wise block the card whilst traveling? Do you need to notify Wise of your trip before leaving? Also, was the card accepted everywhere on your trip and if not, where was it not accepted and what did you do? Thanks for the content I'm now subscribed to your channel😊
Yes mate, I have got WISE, and I an Aussie and travel a lot with work and am married to a Thai lady and live in Thailand when I’m not away with work. I had to go into the NAB branch three times before I traveled and they would still block or cause problems for me…..WISE, No problems, I pull it out at the local 7/11 In Thailand and NO PROBLEMS…..
I 've been using wise for 3 years now and without a hassle🎉
Great!
It’s a good idea to get the wise card just for the fact it gives you another option to pay if your other cards are rejected.
I didn't have any problems with my Wise card on my recent 8 week exploration trip to the Philippines. I used the card in the US once before the trip to make sure the card was not defective.
My card is on its way from America. Can't wait!
Awesome!
It is a fantastic card i have had mine for 5 years dont use anything else .
Amazing
Good for you but allow me to point out that it is wise 😅 to have a 2nd or even 3rd back up card when travelling.
Yes I take my com card with my I never just take a 1 card
Thanks, We are going to use in Europe next month (8 European Countries )
Wise is an awesome Travel Card I've used it heaps without any hassles.👍
It really is!
Awesome video! We just opened a Wise account. We currently live in FL and will be slow traveling soon & making Thailand as our base. Im not sure if you guys ever lost your Wise card…is it difficult for Wise to ship out a new card to Thailand or wherever you lost the card if its outside the country (us in the States) you opened the account? Thank you soo much in advance and hope Mandy is feeling better & hugs to cutie Bear!
Excellent report. However, the first five words in your video title I read as negative clickbait. Maybe Aussies don't read it this way. But I, as a regular Wise transfer user from Canada, am glad I proceeded. Maybe reword it to say: Six months problem-free - Wise travel money car review. Happy trails!
Revolut haș same features as wise
Love my wise card. But had problems in Morocco. Especially t trying to withdraw money
A huge pro to getting residencies in various countries is being able to diversify banks.
Hmm. I travel a lot overseas for decades and use a CBA or Westpac credit card and never had an issue. I do always select in their apps which countries I’m going to and when.
But I do agree Wise is good in general.
Hey Lloyd, love your content . . .Just curious if you have found taking cash out at international ATMs with Wise to be expensive? I may be reading it wrong, but it says on their site that after you withdraw your monthly limit (£200 if you are from the UK) they charge a low fixed fee , but a much higher variable fee of 1.75% charge for all money you take out after that? I could be misinterpreting how the variable fee is applied, but it seems that I'd frequently be incurring that variable fee and those see extraordinarily high - - almost like I am borrowing my own money. Which I wonder if that is what it really is, since they are not an actual bank? But maybe that hasn't been your experience?
Hi Michele,
yes there is a fee for withdrawing money after you reach the threshold, but I've found the fee to be minimal compared to other bank cards, as well as the fact that I know my card will not be shut off at random times has been a blessing.
I would only use a local ATM if I really needed to , ie up to the limit in an emergency , some have fees with any card and basically like Al Capone in a box, some countries they are down right dangerous to use and avoid using at all costs eg SA , don't go near one by yourself. Far better and safer to stock up on the local currency before you leave.
Have there been issues with banks blocking large payments to WISE (fraud alert)? This relates more to, say, using Wise to buy overseas property where it might be necessary to make a number transfers from bank acc. to wise due to a bank's daily payment restrictions.
I'm new to Wise and I'm getting a delay of a week when I add funds to my Wise account. How to set up for instant transfers to top up?
I'm travelling to Malaysia soon and was shocked to find the Comm bank travel card doesn't support Malaysian ringet. Just ordered a Wise card.
I have a wise card and an UP card which is a travel card through Bendigo bank I got the UP card as there are NO fees I hope this isn’t the card you used in Las Vegas on your wedding day if it was I won’t use it I’ll just use my wise card also I took your advice and I have a holifly eSIM installed in my phone ready for my travel will I have any issues with my wise card when I switch from my home sim to my eSIM? Thanks for all your great advice! 🌸
awesome! No you won't won't have any troubles at all
@@LloydandMandy Thankyou!! 🌸
What did you purchase in Vegas that got your card flagged? 😅
hello i used the card for few years now. can you tell me how you use the card in thailand, which shop's and which atm's. also can you tell me, send wise the card to a thai adress. btw loves you canal
We use it everywhere in Thailand, unfortunately we had to get it shipped to Aus
Question about the Wise Card system. If I have $1000 CAD in my account and I’m in Vietnam, do I need to convert the CAD into VND in my account before taking it out or using the card in that particular country? Or can I just leave it as CAD and use the card?
You can withdraw the CAD and it will convert it to VND for you at the ATM, the ATM should give you the exchange rate before you proceed so you can make sure it's a good rate!
My understanding is that if you leave the currency as CAD, you will get the Visa exchange rate whereas if you convert to VND before use at ATM you get the WISE conversion rate
Oftentimes the Visa rate is better
Excellent video Lloyd! I had the same issues as you and started to use the Wise app and credit card about 16 months ago. It's indeed super easy to use and probably the cheapest too. Have a great day and greetings to Mandy
Thanks so much for watching!
Would be nice if you explained all the fees etc
Benutze selbst die Karte von Wise, Revolut, Bybit und bin bisher überall damit klargekommen ob Asien, Afrika, Südamerika.... Gutes Video 👍
Revolut is also really good.
OMG- I have problems with my bank freezing my card in America while not traveling. When I purchase something online they freeze my card. Lol. I definitely need to look into getting the Wise travel money card. I have heard about Wise money card and how good it is by other CZcamsrs who travel like you two..
Yeah big banks are always freezing our cards, so frustrating
Never had issue with ING banking overseas.
Does the Thai atm charge like 220thb every transaction, if so does wise reimburse?
Yes, it's a fixed atm bank fee, not reimbursed. There is also the WISE atm fee once you exceed the low WISE monthly limit.
@@dbw2024 thank you David 👍
@@Tony-eb5kh It seems like being unable to reply could've been an issue at CZcams's end with their servers. All my replies were just posted and now it seems like I'm spamming people when I just wanted my reply to get posted.
There are ways around paying the 220thb fee. Some are more convenient than others depending on where you're from. If you're from the US supposedly Charles Schwab has a card where they will reimburse all fees. There may be others like that around.
I can't get access to a card like that so I get around the fees by making manual withdrawals at the teller. This takes more time than simply withdrawing at an ATM and not all banks or branches allow manual teller transactions like this but they can be found. This might work for you if you want to avoid paying the 220thb fee.
Yes. Only country I have been to that always charges a fee for ATM withdrawal.
@@hobo1704Philippines and I think Thailand are other countries with similar ATM fees, a few US banks will reimburse the first $10 or so per month, but not elsewhere.
Do WISE ever use OTP via your mobile SMS for extra validation? Well, if you go OS and get a local sim, you will have the hassle of having to switch SIMS just for the OTP unless you have a dual sim phone
Yes they do, but you can still receive text messages while overseas for instance on a Thai sim, you just need to set it up before you leave. That's what we do
@@LloydandMandythis makes it just as useless as the others. They need to do OTP via an app and not SMS.
I tried to reply to you yesterday but it seems my replies aren't working but I'll try again. Wise supports 2-step verification through the Wise app itself, through an authenticator app or through SMS. I only ever use verification through the Wise app itself as it's the most secure and convenient option. It avoids the hassle of trying to receive a OTP to a phone number you're not using while you travel. It also means you can avoid having to remember to set it up with whatever local number you've been given when you travel to a new country. It really is a great card and a great app. It's super easy to use, verification is as simple as tapping my fingerprint on my phone sensor when Wise asks for verification. I use it all around the world like this.
@@falcc1 I tried to reply yesterday but it seems my replies aren't working but I'll try again. Wise supports 2-step verification through the Wise app itself, through an authenticator app or through SMS. I only ever use verification through the Wise app itself as it's the most secure and convenient option. It avoids the hassle of trying to receive a OTP to a phone number you're not using while you travel. It also means you can avoid having to remember to set it up with whatever local number you've been given when you travel to a new country. It really is a great card and a great app. It's super easy to use, verification is as simple as tapping my fingerprint on my phone sensor when Wise asks for verification. I use it all around the world like this.
@@falcc1you sound like a salty old man , wise is excellent for travelling…the proof is in the pudding
You should always have back up payment methods, such as Cash.
Very true!
Can you unfreeze the digital card after having frozen it?
Yes!
Wise is good, but getting painful to take cash out of an ATM with low/no fees. We can do 2 free transactions of 100 USD a month, minus the ATM fee of like 3 USD. So yeah all good electronic but cash is a pita
Will this card work in Russia
220b fee for all atms in Thailand
I have it but can’t figure out how to use it.
It's super simple, and a great travel card IMO
@@LloydandMandy Wonder why I can't figure it out. 🙄 Thanks for the video... I'll learn somehow.😆
Conversion fees have gone up recently by a very significant amount.
Anyone know how to get a physical Wise card for free?
@ExtraGuac007 I don't have a Wise Card yet, but do have the Wise App and use it to do money transfers. I believe that you can order the Card through the App. The cost of ordering a Wise Debit Card depends on which country you are in, for example, being in Australia, it would cost me $10AU. The only way for you to find out the cost in your country is by downloading the App or going to the Wise website
Between Wise & Schwab you'll be well covered> Schwab refunds all ATM fees... usually within 1-2 days > thankfully in some Countries (like Thailand) cash is still King so not opposed to traveling with significant cash (ensure the bills are large...100's & perfectly crisp/clean with absolutely no markings, folds or blemishes of ANY type) & converting upon arrival at the usual preferred exchange providers around town > the traditional credit card companies continue making things harder all the time in the name of protecting us from fraud > I think it's fair to consider it's all part of a larger agenda to transition to government digital currencies tbh > but that's another topic all together > regardless....g/l using conventional credit cards when traveling...no longer a given it'll be a smooth experience...even as you say on advance travel notice.. absolutely no excuse for that...& the fact you must call the card issuing Co vs them trying to reach you immediately as the transaction was denied > it certainly can lead to very unnecessary situations as you experienced.
Good info from this Channel as usual 👍
Just do not stick to one card only while traveling. I always have at least 4 diffrent cards with me.
Great Plan
I have been in 19 countries in the last 3 years and have never had any credit card or debit card blocked and I don't inform my financial institutions that I am travelling, what are you doing wrong?!? Only being able to take out 200 pounds per month free isn't very much, I here so much about this card and that it's free, but it isn't anywhere near free. Lastly, you haven't mentioned how much are you getting for every account that someone signs up for from your link?
As you say BS advice with a clear conflict of interest
They won't give me a card because I live in Thailand
Do you have a mailing address elsewhere?
I live in Thailand now 23 years but have mailing address in Florida. My Wise card then is USA. It was mailed to Florida, but they said it could have been mailed to me here also. Thai addresses are so lengthy, I decided US would be better.
@@davidabushnell Good idea. Just have it sent to you from who ever gets your mail for you.
There is 'over' security nowadays- its a real fucking pain. What about those stupid fucking One Time Codes they send to your phone.
Since wise was sold a few years ago it's been pretty bureaucratic,
How is using a card that neither refunds your ATM fees nor gives you any points for purchases any good? It does not provide any of the other benefits credit cards extend, such as hotel status, purchase protection, rental car insurance, special discounts, cash back, no foreign transaction fees, lounge access, etc. This makes ho sense other than you getting referral credits, and this is the only benefit you get. At least you should let your audience know that you are not completely unbiased when advertising this card.
It's not a credit card, it's a travel money card.
@stooneblue you can use it to get cash at ATMs when travelling and it has a great rate when you load a foreign currency to your account. Some places charge a fee to use a credit card, so this is a good option to avoid them:)
I think you are missing the point. Credit cards are great for some big ticket items when you want insurance etc or you desperately need to defer payment and have credit.... But this is good for lots of small purchases and getting cash out but most of all for only being charged under 0.5% in fx fees. You can have all the ff pts and credit you like on a CC but are likely paying 2.5 to 3% for the privilege (nearly like a years interest). Do the maths and save your money and buy the bloody airfare from savings rather than give your hard earned money to the oligopoly banks! Plus added protection of only pre loading a certain amount at a time to avoid thieves having a field day.
He could have explained it a little more emphatically!
@@Misstruthbomb
Can you please outline the advantages of a WISE card vs Debit Cards with NO foreign fees?😊
For Australians - Bankwest Debit card is simpler has good xrates no fees it's simple and transfers are instant.
Thai banks all charge 220Baht ATM fee
I deleted WISE