How to Spend Smartly with Your Wise Card: Digital vs Physical & Currency Conversion Explained
If you're using a Wise card to make payments, it's important to know how it works depending on whether you're using the digital or physical version. To use your digital Wise card, you’ll need to connect it to a mobile wallet like Apple Pay or Google Pay. This step is required to enable contactless or online payments. However, if you have the physical Wise card, you can use it directly without linking it to a mobile wallet—just insert, swipe, or tap as you would with any other card.
When spending in a currency you don't hold in your Wise account, you can still complete the transaction seamlessly thanks to Wise’s Smart Conversion technology. For example, if you're purchasing something for 100 EUR and already have at least that amount in your EUR balance, the transaction will go through without any conversion fees. If you don’t have enough in that specific currency, Wise will automatically convert the necessary amount from your other available balances using the lowest conversion fee possible. This ensures your spending is both convenient and cost-effective.
I understand your question is about spending using Wise card.
To make a transaction with your digital card you need to connect it to mobile wallet. but for your physical card, you don't have to connect it to mobile wallet to make a transaction.
If you’re planning on spending in a currency that you don’t have in your Wise account, don't worry — you can still spend money. Our Smart Conversion technology will automatically convert the balance for you that has the lowest conversion fee.
Let's say you’re buying something for 100 EUR. If you have 150 EUR in your EUR balance, it’s free to spend. If you don’t have a EUR balance, we’ll convert the amount from your other available balances and charge a conversion fee.
Blog: 被动收入之: Wise帐号现金投资得股息或者利息
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