Wise: fees, terms and reviews 2026
In October 2026 a Wise account has no monthly fee, a physical card costs €7 and ATM withdrawals are free up to €250 per month, after which 2.69% is charged on the amount above that. The currency conversion fee varies by currency (from 0.2%). Wise Europe SA is a Belgian payment institution, so the deposit guarantee does not apply to the funds.
Wise prices and terms
| Cheapest package | Wise account |
|---|---|
| Monthly fee of the package | €0.00 |
| Included in the package | Multi-currency account and digital card |
| Total base price / month | €0.00 |
| Bank card | Wise debit card |
|---|---|
| Separate card fee | Included in the package |
| Card notes | One-off cost: ordering a physical card €7. No monthly fee; ordering a physical card €7, replacement card €4, digital card free. |
| Free ATM withdrawals in Finland | not available |
|---|---|
| Withdrawal fee after the free ones | not available |
| Currency conversion markup on card payments | not available |
|---|---|
| ATM withdrawal abroad | Free up to €250/month, 2.69% above that |
| Child's account | not available |
|---|---|
| Minimum age of the child's account | not available |
| Monthly fee of the child's account | not available |
| Monthly fee for students | not available |
| Current account interest rate | not available |
|---|---|
| Savings account interest rate | not available |
| Type | Payment institution |
|---|---|
| Home country | Belgium |
| Opening an account online with Finnish bank credentials | not available |
| Opening an account without a Finnish personal identity code | not available |
| Deposit guarantee | No deposit guarantee: Wise Europe SA is a payment institution licensed in Belgium that protects customer funds by keeping them separate (safeguarding) |
|---|
| EPSI customer satisfaction | not available |
|---|---|
| Data checked | 15 October 2026 |
All packages
In October 2026 Wise offers 1 packages on sale. The price is for an adult package with one card, taken from the bank's own price list. Compare the packages of all banks on the bank packages comparison page.
| Package | Age | € / month | Card | Free withdrawals | Currency markup | Extras | Terms |
|---|---|---|---|---|---|---|---|
| Wise accountadult | from 18 yrs | €0.00 | Wise debit card | not available | not available | No insurance. | |
| |||||||
Usage limits
The bank does not publish default limits; check and change the limits in the online bank or the app. In the Wise app or online: Cards > Your spending limits > Edit (Account limits). Card-specific limits under Limits per card.
Only the values published by the bank are listed. Checked 16 October 2026. Read about bank card limits: withdrawal limit, contactless limit, instant payment limit and blocking a card.
Reviews: ratings of Wise
Public ratings from three sources, retrieved . The figures are third-party ratings that Pankkitutka has neither checked nor edited. Review texts are not quoted. Read more: bank ratings and reviews compared.
| Source | Rating | Count | Link |
|---|---|---|---|
| Trustpilot | 4.3 / 5 | 303,070 reviews | wise.com on Trustpilot |
| App Store: Wise - Global Money | 4.7 / 5 | 3,416 ratings | App in the App Store |
| Google Play: Wise: International Transfers | 4.8 / 5 | 2,078,099 ratings, all countries | App on Google Play |
- The Trustpilot rating is the company's global profile, not specific to Finland.
- The Google Play figures cover all countries, not only Finland. The App Store figures are from the Finnish store.
Based on the data
The pros and cons below are based on Pankkitutka's price data, not on the ratings.
Pros
- Pro: No monthly fee
- Pro: Card payments at the mid-market rate with a small conversion fee
- Pro: Free ATM withdrawals up to €250 per month
Cons
- Con: Not a bank and no deposit guarantee
- Con: No deposit interest
- Con: A physical card costs €7
How do you open an account at Wise?
The account is opened online or in the app; Wise publishes card prices for residents of Finland. Wise is not a bank. Opening without a Finnish personal identity code was not verified.
Thinking about switching banks? Read the guide to switching banks.
Deposit guarantee
No deposit guarantee: Wise Europe SA is a payment institution licensed in Belgium that protects customer funds by keeping them separate (safeguarding). More information in the guide on the deposit guarantee.
Children and students
Child's account: A children's account was not verified.
Student: No student terms.
See also: children's bank card and best bank for students.
Interest rates
Wise does not offer deposit interest. Wise Interest is a fund investment (the capital is not protected), with an annual fee from 0.26%.
Compare interest rates between banks: current and savings account interest rates.
Customer satisfaction (EPSI)
No EPSI result is available yet.
Sources
- Wise: Pricing for the Wise debit card (residents in Finland)retrieved 15 October 2026
- Wise: Pricingretrieved 15 October 2026
- Wise Help Centre: How Wise keeps your money saferetrieved 15 October 2026
Data checked 15 October 2026.
Frequently asked questions
How much does Wise cost per month?
The cheapest adult package at Wise (Wise account), including the card, costs €0.00 per month. No monthly fee. Ordering a physical Wise card costs €7 (one-off fee); the digital card is free.
Can you open an account at Wise without a Finnish personal identity code?
This information is not yet available.
How much does Wise charge for card payments abroad?
This information is not yet available.
What are the public ratings that Wise has received?
Public ratings 16 October 2026: Trustpilot 4.3 / 5 (303,070 reviews); App Store 4.7 / 5 (3,416 ratings); Google Play 4.8 / 5 (2,078,099 ratings, all countries). These figures are public ratings, not an assessment by Pankkitutka, and this answer does not summarise the opinions of individual users.