How To Add Money to Wise Debit & Digital Cards: Easy Top Up Guide (2025, updated ✅)

Summary

In this video, Tom explains how to add money to your Wise balance, not directly to the Wise card, but through topping up multiple currency balances. He outlines two methods: one by adding funds directly from a bank account to any of the 40+ currencies offered by Wise, and another by using account details for specific currencies. With money in your Wise balance, you can spend it using your Wise card or convert it as needed. Tom also highlights the ease of currency conversion and managing balances while traveling.

Takeaways

• 😀 Wise does not accept cash or check payments for topping up your Wise card.
• 😀 You can add money to your Wise balance through two main methods: using your bank account or by receiving payments from other accounts.
• 😀 There's no way to directly add money to the Wise card itself; you add it to your Wise balance.
• 😀 You can top up any of the 40+ currency balances Wise offers, which are all accessible through your Wise card.
• 😀 The money for topping up must come from a bank account that matches the name on your Wise account.
• 😀 If you're traveling and don't have the right currency in your balance, you can convert money manually or use Wise's smart conversion technology.
• 😀 You can set up a transfer using your Wise account details for around 10 currencies, depending on your location.
• 😀 Each currency balance can only receive payments from bank accounts in the same currency (e.g., Euro account details can only receive payments from Euro bank accounts).
• 😀 After adding money to your Wise balance, you can use it with any Wise card (debit or digital).
• 😀 Wise offers different types of cards, including the standard Wise card, Eco card, and Wise digital cards, each with different features.

Q & A

Can I top up my Wise card at an ATM?

No, Wise does not accept cash or check payments at ATMs. Instead, you add money to your Wise balance through alternative methods.

How can I add money to my Wise balance?

You can add money to your Wise balance by topping up any of the 40+ currency balances that Wise offers. This can be done directly from your bank account.

What is the difference between adding money to a Wise card and adding it to a Wise balance?

You don't add money directly to the Wise card. Instead, you top up the Wise balance with the currency of your choice, and then you can use the funds from that balance through your Wise card.

What payment methods are accepted for topping up my Wise balance?

You can use a bank transfer or a payment method linked to your bank account. The payment method must come from an account that matches the name on your Wise account.

Can I top up my Wise balance with any currency?

Yes, you can top up your Wise balance with any currency that is supported by Wise. Wise will convert your money using mid-market exchange rates with minimal fees.

What happens if I need a different currency than the one I have in my Wise balance?

You can manually convert the funds in your Wise balance to the desired currency. Alternatively, Wise's smart conversion technology can automatically convert the balance with the lowest conversion fee.

What happens if I forget to convert money to the currency of the country I'm traveling to?

If you have different currencies (e.g., euros or pounds) in your balance and need the local currency, you can either convert the funds manually in the app or let Wise handle the conversion automatically with the best rates.

Can I receive payments to my Wise account?

Yes, depending on your location, you can get account details for about 10 currencies. You can then receive transfers to your Wise account, but the transfer must be in the same currency as your Wise account details.

Do I need to verify my identity to receive payments to my Wise account?

Yes, if it's the first time you're getting account details for a currency, you may need to complete some verification steps before you can receive payments.

What types of Wise cards are available?

There are several types of Wise cards, including the standard Wise card, the Eco card, and digital Wise cards. Each offers different features suited to various user needs.