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Business debit card from TransferWise.

Receive, spend and withdraw money in 50+ currencies with the Transferwise debit Mastercard®️ for business.
TransferWise debit Mastercard®️ for business

Pay in-store or online all over the world.

Your business debit card can be used wherever you see the Mastercard®️ logo.

  • Pay for your business expenses online or in store, whether you’re at home or abroad — with no hidden fees to worry about.
  • Take customer payments, cover supplier invoices, and pay your team in over 50 currencies. All currency exchange uses the mid-market exchange rate, and payments can be 19x cheaper than using PayPal.
  • TransferWise for Business makes it simple and safe to spend in 70+ countries. If you don’t have a balance in the currency you need, we’ll automatically convert the amount for you for a low fee.

Get a debit card for your business

Pay in-store or online all over the world.

Receive and withdraw money for free all over the world.

  • Get your own unique bank details for the UK, Eurozone, Australia, New Zealand, and the US — without a local address. Use them to get paid for free when using platforms like Amazon, PayPal, Stripe
  • Hold money in 50+ currencies in your account. Switch between them using the real exchange rate, and then spend or move your money to your local bank account
  • Free ATM withdrawals all over the world up to 350 AUD a month
Receive and withdraw money for free all over the world.

How to get a business debit card?


Get a TransferWise Business account.

Sign up for a business account and open your first Balance in one of the available local currencies. You'll be able to add more currencies afterwards. Our team will work to verify your account as fast as possible.

Open business account →


Order your debit card.

Click on the Debit Card tab of the website or the Account button in the TransferWise app, and you'll see an option to order your business debit card.

Order your card →


Activate your card.

To use your card, you’ll need to activate it by entering in your business account your personal 6-digit code. You’ll find it underneath your name on the front of the card.

Activate your card →

How much does it cost to use the TransferWise debit Mastercard?

You can do a lot with your TransferWise card for free. If you want to spend a currency you don’t have in your account, there’s a transparent fee. There’s also a charge for withdrawing cash after a certain amount.

  • It's completely free to get your card. We’ll ask you to top it up before ordering, and that money will be available to use when your card arrives.
  • If you have the currency you need in your account, spending with your card is free
  • If you don't have the right currency, there's a conversion fee, typically between 0.24 –3.69%
  • ATM withdrawals in currencies you hold in your account are free up to 350 AUD (or the currency equivalent) every 30 days. After that, you’ll pay a 2% withdrawal fee

Calculate fee for your transaction

Card pricing
TransferWise debit Mastercard®Free
Spend in currencies in your accountFree
Convert a currency using your card


ATM withdrawals up to A$350 / 30 daysFree
ATM withdrawals over A$350 / 30 days


Receive money in EUR, GBP, AUD, NZD, RON, HUF & SGDFree

Manage your card on the go with the TransferWise app.

Make life easy. Manage your money no matter where you are, with the TransferWise app.

  • View a history of transactions
  • Order statements
  • Check or change your PIN
  • Freeze your card in case of loss or theft
  • Get instant notifications when sending, spending or receiving money

Get TransferWise app

Manage your card on the go with the TransferWise app.

Benefits that come with your debit card.

Xero integration
Connect with Xero and your favourite accounting tools.
More about Xero →
Batch payments
Make multiple payments in one go with ease.
Learn more →
Open API
Automate payments and workflows with our API.
Explore our docs →
Monthly statements
Download statements online for every balance you hold.
Get started today →

Get your TransferWise business debit card.

Create a TransferWise business account in just a few minutes, get verified and order your debit Mastercard®️ for free.

Order your card


TransferWise is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the UK.

This means we're required by law to keep your money safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo.

These accounts are reserved for customer money, this means your money is kept in a separate account from the money we use to run the business.

In the unlikely event TransferWise ceased to exist, your money would be paid back from this account, ie from Barclays or Wells Fargo, however it is not covered by the Financial Services Compensation Scheme (FSCS) and therefore is deposited at your own risk. You also cannot earn interest on the money in your borderless account.

Millions of customers trust TransferWise with their money. We move billions of pounds every month, and we take the safety and security of your money seriously.

The TransferWise debit Mastercard is issued by TransferWise Ltd under license by Mastercard International Inc. Mastercard is a registered trademark, and the circles design on the card is a trademark of Mastercard International Incorporated. TransferWise is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.

Your TransferWise card comes with default and maximum limits. You can always choose either one in your TransferWise app or turn off a specific feature like contactless payments completely.

There are different limits for cardholders in different countries, so keep in mind where you ordered your card.

The TransferWise card for businesses is currently available for TransferWise for Business users in the following countries and regions.


Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France (only Metropolitan), Germany, Hungary, Iceland, Italy, Ireland, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Gibraltar (British Overseas Territory) and the UK Crown Dependencies: Guernsey, Isle of Man, and Jersey.




Australia and New Zealand.

We're working hard to make cards available everywhere. In the meantime, if your country or region is not on the list you can go on our waitlist, and we'll let you know when cards are coming your way.

Generally, you can pay with your TransferWise card wherever Mastercard is accepted. If you see the Mastercard logo, you’re good to go. But, if you're planning on taking your card abroad, check the lists below for countries where you won't be able to use it. You'll need to take a different card if you're going to any of these places.

Your card won't work in these countries:

Afghanistan, Burundi, Central African Republic, Chad, Congo and DR of Congo, Cuba, Eritrea, Iran, Iraq, Libya, North Korea, Palestinian Territories, Somalia, Sudan and South Sudan, Syria, Venezuela, and Yemen.

If your card was issued in the US, it also won't work in these countries:

Belarus, Bolivia, Cambodia, Côte d'lvoire, Ethiopia, Kenya, Lebanon, Nepal, Niger, Nigeria, Pakistan, Paraguay, Sao Tome and Principe, Sri Lanka, Tanzania, Turkmenistan, Uganda, Vietnam, and Zambia.

Check our help center for answers.