This was posted 3 years 24 days ago, and might be an out-dated deal.

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Free Visa Debit Card (Was $10.00) @ Wise (Formerly TransferWise)

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Free Visa Debit Card (Was $10.00) @ Wise (Formerly TransferWise)
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render on 28/11/2021 - 18:53 wise.com (4371 clicks)
Last edited 28/11/2021 - 19:01

No price appearing when ordering a Wise.com Visa Debit Borderless Card, free shipping.
Unsure if this is targetted and/or just a Black Friday promotion.
Requires a minimum A$30.00 deposit

Several other options (including free FX ones like ING, 28 degrees, Citibank) but this is a useful supplement.

This was A$10.00 with replacements A$6.00.
Card details appear after the application so you can start using it online. Virtual / Digital cards are free in the app.

Don't have an account yet?
Check out the other threads for sign up bonuses / refrerral credits etc

Referral Links

Referral: random (1444)

Referrer receives £50 for every 3 signups, who must all spend at least £200 each on qualifying payments. Referee receives a discount on their first transfer, or they receive a free physical card (Keep clicking the referral randomiser until you receive the offer you want).

This is part of Black Friday / Cyber Monday deals for 2021
Financial Cyber Monday Money Transfer

Related Stores

Wise
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closed Comments

  • PissLUR on 28/11/2021 - 18:56
    +7

    You pay
    30 AUD

    Total fees
    Free

    You get
    30 AUD

    • Neoika on 28/11/2021 - 19:06

      It is still your money on your Wise account.

      • ven041 on 28/11/2021 - 19:18
        +1

        Getting it out of your Wise account has some cost though IIRC

        • Neoika on 28/11/2021 - 19:23
          +2

          Yes, I think if you have Revolut, it may not be useful to open this. The main reason is this card turned to VISA too.

          • bonezAU on 28/11/2021 - 19:59
            +8

            @Neoika: Wise gives you interbank rates like Revolut, however they don't have the 1% fee that Revolut has on weekends.
            Both Wise & Revolut are usually way better than the Visa set rates you get from ING, Citibank, 28 Deg etc.

            It makes no difference if it's Visa or Mastercard, because you're getting their own rates, not the Visa/Mastercard set rates.

            • ilovefullprice on 28/11/2021 - 20:36

              @bonezAU: What about comparison in terms of conversion and deposit/withdrawal fees charged between Wise and Revolut?

            • mynameisborat on 28/11/2021 - 21:50
              +1

              @bonezAU: I have been using ING frequently for international purchases in USD and I get almost exact interbank rates that you see on Google.

              • USER DC on 28/11/2021 - 23:47

                @mynameisborat: same no complain with ING DB, But with Combank Low Gold fee mastercard got poor rate like an extra $3 AUD for like a $70 USD transaction (And combank puts another international transaction fee on top of this usually, But that was removed from my CC because It was a CC with No int. trans fee)

              • bonezAU on 28/11/2021 - 23:53

                @mynameisborat: It's not the same. ING is giving you the Visa rates which are set once a day and stay the same for 24 hours, whereas Revolut & Wise give you much closer to the live real mid-market forex rates which fluctuate constantly whenever the forex markets are open.

                Comparing on a weekend is not ideal, wait until after lunch tomorrow and compare the two side by side, you will see the difference. Visa's rates also changes a couple of days later once the transaction settles whereas Revolut & Wise's rates are final (like Mastercard).

    • BargainSnatcher on 28/11/2021 - 21:44

      There’s a fee to get your $30 AUD back of about $0.57 lol

  • TThomas on 28/11/2021 - 19:00
    +2

    $30 minimum deposit to get the card, got one but just worth noting

    • render on 28/11/2021 - 19:02

      Thanks! Updating the deal.
      I have some USD sitting in my account so it didn't prompt me.

  • Neoika on 28/11/2021 - 19:09
    +3

    Just found it rebranded to VISA. It was MasterCard!

    The picture on OZB still shows it should be a MasterCard.

    • [Deactivated] on 28/11/2021 - 20:51
      +1

      I got that green card couple on months ago and it was already Visa then.

  • ilovefullprice on 28/11/2021 - 19:10
    +1

    Isn’t Wise’s physical cards using Mastercard instead of Visa?

  • kdmeir on 28/11/2021 - 19:10
    +1

    Does it give you disposable virtual credit card numbers ?

    • Neoika on 28/11/2021 - 19:12
      +1

      Yes. I just ordered it and found Virtual CC option. I can create more than one. It is a bit disappointing to realise it is rebranded from MasterCard to VISA now.

      • easternculture on 28/11/2021 - 19:35
        +1

        Can you screen shot option for virtual card

        • dazweeja on 28/11/2021 - 21:20

          It took me a while to find it but if you swipe left on the icon for your physical card on the Account screen in the app (mine is a green icon), you can create digital cards.

      • liquornoodlescabbage on 28/11/2021 - 19:37

        Good to hear, can't seem to find anything about that on their website, do they call it a "Virtual Credit Card" or somtheing else?

        • Neoika on 28/11/2021 - 19:50

          Yes, it is a new feature and also has long expiry like the physical card.

      • chinaman on 28/11/2021 - 19:47
        +1

        Could be handy for mastercard deals(?) like ones that popped up recently?

      • USER DC on 28/11/2021 - 23:50

        I can confirm this gives access to Multiple Virtual Debit card (Virtual no disposable, aka they dont get disposed automatically like Revolute ones). But from my experience it will like stop issuing you virtual card after you hit a certain number of card e.g. may be 20 Cards max in a 2 month time or something like that

        • dazweeja on 29/11/2021 - 10:18

          I tried it out and it seems simple enough. It's weird that they don't seem to have any information on this though, like the exact number of cards you can create in a time period.

  • ozzyoi on 28/11/2021 - 19:14
    +4

    why do ppl use this? what is the benefit ?

    • Neoika on 28/11/2021 - 19:17
      -3

      Yes, one bank one card is much simpler.

    • trotsky on 28/11/2021 - 19:17
      +2

      Intl withdrawal of funds that you can load in another currency (eg AUD) with much lower fees than banks

      • Euthyphro on 28/11/2021 - 20:44

        Just had a look at HSBC website. They charge $8 for transfers.
        WISE is free, isn't it?

      • benchman on 29/11/2021 - 00:30

        Is this card any different from the citibank debit card with free international withdrawal of funds?

        • trotsky on 29/11/2021 - 20:50

          Yes, the rate is much better

    • gungirlyuna on 28/11/2021 - 19:18

      I'd like to know to thanks!

    • huu on 28/11/2021 - 19:20
      +3

      one is you get “local” account number for oversea to deposit into your account.

    • Larsson on 28/11/2021 - 19:42
      +3

      Banks actually transfer funds between them, when you do it internationally and add all the admin and ‘we charge you because we are your only option and we can’ charges, transferring money is quite costly.

      Transferwise has local accounts. You move money from one account to another local account Transferwise controls, and they give you the same amount minus their cut in the country you want to transfer in. So no money has to leave the country.

      At least it was like that. They evolved a lot.

      Useful because basically once you have money on your account, you basically have that money everywhere around the world they operate with usually less cost than any other bank.

      Also you can receive money as local in another country and transfer to your account outside of the place of deposit. Helps avoid taxes, fees etc. depending on your situation and what you are getting paid for.

      Pretty handy if you travel a lot or do tiny business around the world I think.

      • johnyBgood on 28/11/2021 - 20:12
        +2

        I use this to pay my netflix turkey account. Also use it to transfer to another currency.

    • Oxygenzero on 28/11/2021 - 21:32

      I guess you can exchange at the best rate instead be under the bank withdraw moment, consider 1aud its been 0.72€

  • GaryG on 28/11/2021 - 19:19

    The card I have from them is a Mastercard and is a physical one and no sign that I have to change that. I can use it in Google Pay as well. But there is also now an option to get digital Visa cards too.

    • Neoika on 28/11/2021 - 19:22

      Yes, it is a recent change. All card pictures on Wise have MasterCard trademark icon removed and VISA trademark icon was not even added yet.

    • justaddwater on 28/11/2021 - 19:51

      there's no difference bwteen the visa and mastercard?

      it's the same account it withdraws money from

      • ilovefullprice on 28/11/2021 - 20:28
        +1

        Sometimes you get deals with MC or Visa like this:

        https://www.ozbargain.com.au/node/666872

        • USER DC on 29/11/2021 - 11:25
          +1

          Or free Amazon prime for deliveries

      • Littlegreen on 29/11/2021 - 02:48

        In Australia, there is no difference, excluding some deals.
        But in other developing countries, they are different.
        Some accept Visa, some accept Mastercard.

  • autocader on 28/11/2021 - 19:22

    Has anyone used them to transfer money from EU? I can’t find many reviews…

    • trotsky on 28/11/2021 - 19:26
      +1

      I use them to receive USD wire transfers from eTrade in the US. Much lower fees than the HSBC borderless account I used prior.

      • EarlyBird on 28/11/2021 - 20:31

        Does it require a lot of identity checks?

        • trotsky on 28/11/2021 - 20:48

          Yes, to open the USD account it needed the usual 2 pcs of ID

    • huu on 28/11/2021 - 19:26
      +1

      it give me usa account number where people in US can just deposit locally $7.50 flat fee, it also have British Pound and Euro which i think work same way

      • GaryG on 28/11/2021 - 19:36
        +1

        Yes I have a UK account number that I've used to get money transferred between here and there.

      • cashless on 28/11/2021 - 20:04

        Only USA charge a fee. UK & Euro don’t charge for local transactions, unless specific bank wants a cut

    • cashless on 28/11/2021 - 20:02
      +1

      I’ve had my account for 3 years now. Have transferred to & from Euro, GBP & USD. Very smooth & inexpensive operation once the money is in the “Wise sphere”.
      I recommend opening local Wise accounts in all countries where you are going to transact and avoid using local banks in those countries where possible

      • paulatsydney on 28/11/2021 - 20:32

        So are you saying register for multiple accounts (username and password), then order a card for each account?
        Sorry, I am a newbie to this sphere, what's the purpose of doing that?

        Now I create one account, saying my country is Australia, deposit 30 AUD to get a card, then I can convert the 30AUD to any currency, right?

        Waiting for your response, thanks

        • Webber000 on 28/11/2021 - 21:34

          No, you just open one "transferwise account" and then select all the currencies you want and it will open separate "accounts" for them all in your homepage (and give you separate account numbers, sort codes, BSB for each currency you wanted)

          • paulatsydney on 28/11/2021 - 21:40

            @Webber000: Thanks for your reply, I just created one "Transferwise account". Will receive a card soon.

            I found I can add balance in many currencies as I want. But to open accounts, there are only limited options, there is no account available for Japan and China, which means I can't have an account in these two countries, right? Then how can I receive money in JPY or RMB? What's the point of converting my AUD balance to them?

            Feel it's a nice tool for FX, thanks for sharing and patient explaining.

            • Webber000 on 29/11/2021 - 19:25
              +1

              @paulatsydney: @paulatsydney

              Theyre actually quite a confusing company the way they do and name things (and keep changing the names) but basically you can get currency in almost any country and the main benefit is you can lock in and buy and store your currency at a rate when you think its good and then spend it later or transfer if you need to pay someone person or a foreign bill.

              The fact that you can only get an account for about 20 countries is basically like getting a bank account. It gives you a sort code / BSB etc so that other people can pay you (into your transferwise account like it's a bank you could get paid your wages etc in these 20 counties/currencies and you can do direct debit and standing orders and other things like a bank account. Depends what you need.
              If you're just going on holiday to Brazil for example you wouldn't open a bank account as you don't need it so just loading the currency is enough for most people.

    • ripprind on 28/11/2021 - 21:13
      +2

      Yes, I have transferred money from EU to AU and vice versa. mostly goes through in seconds. Couple times has taken hours or a day.

    • Oxygenzero on 28/11/2021 - 21:33
      +1

      I did , both way payId it’s the best way

  • Ninja9 on 28/11/2021 - 19:36

    Do you have to maintain 30$ balance?

  • szy2k on 28/11/2021 - 19:45

    Thanks OP. ordered one.

  • cooni on 28/11/2021 - 19:46
    +1

    Tried to make an account but apparently I already have one. Reset my password, logged in and requested a Visa. $0 in my account, didn't ask for any payment nor deposit.

    • Neoika on 28/11/2021 - 19:52
      +1

      $30 deposit is required to open a new account, not for existing account to order this card.

  • beigehornet on 28/11/2021 - 19:46
    +2

    tthe fact you can instant pay INTO it and then move it to another currency that someone else can pull out if they have the physica or virtual is very handy

    • bob19 on 29/11/2021 - 01:00

      Could you please clarify this? If I deposit AUD and move to Euro, how can someone pull this money out? Will I have to give them virtual card details? And then will they have transfer this money to their other bank account?

  • theozpilot on 28/11/2021 - 19:49
    +1

    Random question, seems to be a few banks moving debit cards and the like from Mastercard to visa, wonder why that is?

    • easternculture on 28/11/2021 - 19:52
      -1

      Visa is partnering with more crypto providers like Binance and Crypto.com
      Having a partnership with visa gives access to a broader customer base who use crypto

      • trotsky on 28/11/2021 - 20:15
        +2

        I think it is a lot less to do with crypto (what's the relevance - you don't strictly need visa to visa transfers, it is visa to merchant regardless of that merchant's virtual card provider) but moreso a general friendliness towards virtual card products from visa.

        What leads me to believe this is the case is the sheer number of vcc products using visa - crypto.com, zip, AfterPay, wise, revolut etc

        Then again, there are some aligned with MC such as humm and Bundll (same parent co)

        Likely just comes down to fees and support for vcc functionality.

    • [Deactivated] on 28/11/2021 - 20:57

      I'm actually seeing opposite, most of my Visa cards were replaced by MC.

  • Jpo on 28/11/2021 - 19:50
    -1

    Any credit checks?

    • holdenmg on 28/11/2021 - 19:52

      No, it is Rechargeable Debit Card

  • amsaini15 on 28/11/2021 - 19:52

    I can understand benefit if you need to pay or receive money in other currencies but for a traveller like me, wouldn't it be same to use ING card for free ATM withdrawals and payment in local currency? Does this offer any more benefit for the traveller like better exchange rate than ING?

    • huu on 28/11/2021 - 19:58
      +1

      No, this attract a very small fees, when moving currency, and only $300 free ATM withdraw per month (and i think still get stung with “vendor” fees). if you maintain the ING card its definitely better

      • amsaini15 on 28/11/2021 - 20:27

        Thanks huu. Reading above someone suggested this is better over ING.
        If there is $300 withdrawal limit, then that's no good.

      • loki niflheim on 29/11/2021 - 10:27

        Note that these changes all the time. Looks like ATM withdrawal limit is AU$350 now and still no fees/limit for spending on transactions.

    • trotsky on 28/11/2021 - 20:02

      Free ATM withdrawals is one part of the equation. The other is the rate + commission charged for FX. You'd need to do that analysis.

  • [Deactivated] on 28/11/2021 - 20:01

    Not sure what advantage this would have over Revolut.

    Also, what's the go Visa vs Mastercard? Why one cares?

    • huu on 28/11/2021 - 20:04

      VISA vs Mastercard.. Its all political now that Jeff Bezos got involved 😁

    • trotsky on 28/11/2021 - 20:04

      Revolut is a competitor. Which is better comes down to features and fees. I transfer USD to AUD several times a year and for my use case wise comes out ahead. Ymmv

    • ilovefullprice on 28/11/2021 - 20:32

      Sometimes you get deals with MC or Visa like this:

      https://www.ozbargain.com.au/node/666872

  • Jayblesz on 28/11/2021 - 20:06
    +6

    Wise is great. Regularly use to convert to and from JPY.

    Copped a card, thanks OP.

    FYI for anyone wanting to take the $30 deposit straight back out, you'll lose a total of $0.57 sending it back to your Australian bank account.

    • amsaini15 on 28/11/2021 - 20:28

      Can you use the same $30 for transferring money to someone in another country?

      • Jayblesz on 28/11/2021 - 22:45

        Yes you can use the money for any service offered by Wise including transferring/exchanging

    • paulatsydney on 28/11/2021 - 20:55

      In the Account option on Wise.com, you don't have a choice to open a Japan account, then how do you receive money from Japan?

      • Jayblesz on 28/11/2021 - 22:46

        I just added a JPY account. I'm using the app, and it took like 5 seconds.

        As I said I send and receive (from a bank account in Japan).

        • paulatsydney on 28/11/2021 - 23:12

          Thanks for sharing. I hope I can send a screenshot.
          In the app, click the second tab at the bottom - Account, click Account details, inside that it lists 10 Available account details, from Australian Dollar to Turkish Lira. At the bottom, there is a link "Looking for a different currency?", I clicked it, inside that, I click Japanese Yen, it told me "Got it, when we have news on that, we will send you mail" which means so far it's unavailable.

          Did I do something wrong?

          • Jayblesz on 29/11/2021 - 09:45

            @paulatsydney: Sorry I believe I'm actually talking about a JPY "Balance", not "Account". Sorry to mislead, I don't exchange for my own use- I just send and receive AUD/JPY pair

            • paulatsydney on 29/11/2021 - 10:02

              @Jayblesz: No worries, appreciate your clarification.

              Then may I ask how you received JPY? E.g. you need to receive Japanese Yen after selling products/services in Japan, how to receive it into your Wise account? Did you just give the purchaser your name and card number of this Wise card so that they can transfer to?

    • [Deactivated] on 28/11/2021 - 21:22

      Add another tenner and withdraw from ATM for free.

    • Ninja9 on 28/11/2021 - 21:38
      -1

      If you withdraw it from the ATM you should get $30 correct?

      • Jayblesz on 29/11/2021 - 09:45

        Do ATMs near you do $10 notes?

        • Ninja9 on 29/11/2021 - 16:15

          No idea. havent used cash for many years.

    • USER DC on 29/11/2021 - 11:27

      Can't you withdraw it from atm or make transfer using your card via Revolut (I thought its 300 AUD/month fee free cashwithdrawl at least when i used to have it

  • ascorbic on 28/11/2021 - 20:07

    Can this be topped up with a regular debit card to take advantage of spend requirements for bonus interest (e.g. Westpac Life, ING Savings Maximiser)?

    • [Deactivated] on 28/11/2021 - 21:24

      Yes but you pay fee for adding money from debit cards.

      • ascorbic on 28/11/2021 - 21:36

        Damn, that's a shame.

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