Some prepaid virtual cards can come with different fees such as initial load fees, reload fees, service and inactivity fees. The Wise virtual debit card allows you to add money to your card without fees by sending it through your bank, and you can then spend in any available currency using the mid-market exchange rate.

Wise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the UK, and the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) in Canada.

This means we're required by law to keep your money safe by storing it in low-risk financial institutions like JP Morgan Chase, Deutsche Bank, and Barclays.

Plus, you can freeze your virtual card after each purchase to make it almost impossible for your account to be compromised.

You can use your virtual visa debit card with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay.