WISE Payment Cards?

[John Wick]

Anyone have any experience using these cards? Just acquired three for underage kids heading to France in a couple weeks. Wondering how widely the physical cards are actually accepted. The WISE products are also digital so you can tie them to your GoogleWallet and ApplePay but that may be even less widely accepted by merchants and providers.

wise.com

 

[Valcazar]

I've used the service in the past to transfer money. Works really well.
No experience using the cards.

 

[Ceiling Cat]

What is wrong with a debit card, or pre-paid credit card?

 

[SchlongConery]

What is wrong with a debit card, or pre-paid credit card?

I don't know about "Wise" but debit and pre-paid credit* cards do not offer fraud protection.

*Pre-paid Visa/MC are not "credit" cards by definition.

 

[SchlongConery]

Anyone have any experience using these cards? Just acquired three for underage kids heading to France in a couple weeks. Wondering how widely the physical cards are actually accepted. The WISE products are also digital so you can tie them to your GoogleWallet and ApplePay but that may be even less widely accepted by merchants and providers.

wise.com

Is it possible for you to fund their ApplePay wallet using your credit card? I have my cards set up to intantly get a notification by text and email for every transaction. That way I can immediatelt recognize any unauthorized charges.

 

[drstrangelove]

Is it possible for you to fund their ApplePay wallet using your credit card? I have my cards set up to intantly get a notification by text and email for every transaction. That way I can immediatelt recognize any unauthorized charges.

My ApplePay wallet is set up with my credit and debit cards included in the wallet. I choose whether to use either one for each transaction. I wasn't aware there was another option available. I also get a notification of any transaction over $250, even if I used ApplePay rather than the actual card.

 

[SchlongConery]

My ApplePay wallet is set up with my credit and debit cards included in the wallet. I choose whether to use either one for each transaction. I wasn't aware there was another option available. I also get a notification of any transaction over $250, even if I used ApplePay rather than the actual card.

I should clarify that my notifications come from my bank. I set up the notifications within my bank's online banking setup screens. I can also get notifications if my credit card balance goes above or my chequing account balance falls below amounts that I can specify.

I don't know how ApplePay Notificatios work. But I'll look into more details on Apple Pay soon. Any tips?

 

[drstrangelove]

I should clarify that my notifications come from my bank. I set up the notifications within my bank's online banking setup screens. I can also get notifications if my credit card balance goes above or my chequing account balance falls below amounts that I can specify.

I don't know how ApplePay Notificatios work. But I'll look into more details on Apple Pay soon. Any tips?

My notifications come from the bank too, I don't know of any coming from ApplePay.

I love ApplePay. My credit card and debit card are loaded into it, when I want to pay, I just double click the power button on my iphone and the app launches. You enter your pass cord, the credit card is my default card, you hold your phone to the tap feature on the merchant's device, hopefully it gets approved right away. Interestingly, ApplePay actually assigns a number that's different from your card number so the merchant never gets your actual card number, adding more security.

As an aside, on some rare occasions it doesn't work so I still carry my actual cards.

 

[Dragon77]

Works really well and always use it when traveling. Their app works good and transfers are pretty quick in real time. They have less fees in comparison to other markets especially for currency exchange. As someone who travels often for work (6-8 times per year) I have not had one issue.

 

[John Wick]

Works really well and always use it when traveling. Their app works good and transfers are pretty quick in real time. They have less fees in comparison to other markets especially for currency exchange. As someone who travels often for work (6-8 times per year) I have not had one issue.

This is great feedback, thanks! How widely accepted have you found the card to be for retail and food services purchases?

 

[Dragon77]

This is great feedback, thanks! How widely accepted have you found the card to be for retail and food services purchases?

Works just like a Visa card and widely accepted in many of the countries I've been to (12 countries) for retail/food purchases. The only potential negative is they have caps on cash withdrawals per 24 hrs depending on several factors but you can call them to increase daily limits.

 

[Valcazar]

Thanks Dragon77!
My experience with their app is the same as yours, so nice to hear the cards are solid, too.

 

[danish7899]

Anyone have any experience using these cards? Just acquired three for underage kids heading to France in a couple weeks. Wondering how widely the physical cards are actually accepted. The WISE products are also digital so you can tie them to your GoogleWallet and ApplePay but that may be even less widely accepted by merchants and providers.

wise.com

I travelled to Europe and has no problems using them. I would highly recommend.