Is Wise card safe in Ireland and abroad?

If you need ways to manage your money across multiple currencies safely and conveniently, Wise can help.

In Ireland, Wise offers account and card services for personal and business customers which support 40+ currencies, and which offer mid-market exchange rates and low, transparent fees.

Wise can be a great solution for anyone who needs to send, spend, hold, receive or exchange foreign currencies - with international payments, receiving accounts, instant currency conversion and the powerful Wise card for payments and withdrawals.

But how does the Wise card Ireland work - and more importantly, is the Wise card safe at home and abroad?

Pay in +40 currencies
With the Wise card 💳

Is Wise card safe to use?

Yes. ✅ The Wise card is safe to use, with the same common sense precautions you might use when spending with your local Irish bank card.

Wise isn't a bank, but a payment institution in Europe, which is authorised and supervised by the National Bank of Belgium, and follows industry level protocols to keep customers, their accounts, money and data safe.

So - how does that work? To keep customer’s money and accounts safe, Wise follows strict rules set out by the regulators in the countries where it operates.

We’ll dive into the details of how Wise ensures transactions made with the Wise debit card are safe in just a moment.

Features that make your Wise card safe to use

As a digital provider, Wise has built security features into its app, website, and processes, so your money is protected. Here are a few of the Wise card features which can help you manage your card safely and conveniently.

Freeze and unfreeze your card in the Wise app

Freeze and unfreeze your Wise card in a couple of taps whenever you choose to. If you’re not planning on using your card for a while - or if you’re ever unlucky enough to misplace it - you can freeze it so no transactions can be made using the card.

Once you find your card, or when you choose to use it again, just unfreeze it in the app to start transacting again.

Here’s how to freeze or unfreeze your Wise card in the Wise app or desktop site:

1. Log into the Wise app, or desktop site, and go to your card tab
2. Choose the card you want to manage
3. Select Freeze card / Unfreeze card

Generate digital cards for additional security

Generate Wise digital cards instantly in the app, adding another layer of security to your online shopping.

Your digital card does not have the same details as your physical card. This means you can use it for a one time transaction and then instantly delete it if you’re concerned about security, without needing to re-order a physical card.

You can have up to 3 Wise digital cards at a time, and replace them up to 3 times a day. We’ll look at how to get a Wise virtual card in a moment.

Set your own ATM and payment limits

Your Wise card comes with monthly ATM and payment limits which are set as a default. When you get your card, the daily limit is automatically set to be the same as the monthly limit, but you can change this in the Wise app easily if you would prefer to have a lower daily or monthly limit to suit your transaction needs.

Here’s how to view and change your Wise card limits:

1. Log into Wise online or in the app, and go to the Card tab
2. Select Limits in the Wise app, or Edit limits on web
3. Select Spending limits or ATM withdrawals, depending on the limit you want to adjust
4. Set your limits and Save

Get help 24/7

It’s good to know that there’s always help on hand if you need it. If you have concerns about your card, or any transaction on your account, you can get help from an agent 24/7 in English by opening an in app chat, requesting a call or sending an email.

Simply log into your Wise account, go to your profile, click Help and select the relevant topic you need assistance with.

Benefits of a Wise card

The Wise debit card is connected to the multi-currency Wise Account, and allows you to spend and make cash withdrawals in 150+ countries, and in 40+ currencies.

Here are some of the key benefits of a Wise card to give you a flavour:

• Pay with the Wise card in +40 currencies, with no fee to spend for a currency you hold a balance in
• If you don’t have the currency you need, the card can auto convert your money with the mid-market rate and the lowest available fee
• Use your card with wallets like Apple Pay and Google Pay for mobile payments, and generate free virtual cards for additional security when shopping online
• Get cash from ATMs, with no fee for up two withdrawals of up 200 EUR monthly before the Wise ATM fee begins¹
• View your transactions in the Wise app - and set up instant transaction notifications to keep an eye on your card whenever you spend.

How to order your Wise card in Ireland

It’s easy to order your Wise card - there’s a one time fee to pay for your first card, but no ongoing fees, and no fee to replace a card that’s expiring.

Here’s how to order your Wise card in Ireland:

1. Log into Wise website or in the app, and go to the Card tab
2. Tap the option to order a physical card
3. You’ll be prompted to check your personal and contact details, including shipping address
4. Pay the one time fee of 7 EUR following the prompts
5. Confirm and your card will be delivered to your registered address in about 14 working days.

Order your Wise card

How to get a Wise virtual card

Once you’ve ordered a Wise physical debit card you don’t need to wait to start transacting. Instead, you can instantly generate a Wise digital card, which allows you to spend online or in stores too. You can add your card to a wallet like Apple Pay for mobile payments, and to make cash withdrawals at any ATM which accepts contactless.

Here’s how to get a Wise virtual card in just a few simple steps:

1. Log into Wise website or in the app, and go to the Card tab
2. In the app, Swipe your cards to the right until you see Get your digital card
3. On the desktop site, select Order a new card and then Digital
4. Follow the prompts to generate your card.

Sources:

Sources last checked on 8 May 2025.