Generally, you can pay with your TransferWise card wherever Mastercard is accepted. 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.
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, Myanmar (Burma), Nepal, Niger, Nigeria, Pakistan, Paraguay, Sao Tome and Principe, Sri Lanka, Tajikistan, Tanzania, Turkmenistan, Uganda, Vietnam, and Zambia.
You can use your TransferWise card to make online payments, too. For some online payments, you'll be asked to approve the payment from your TransferWise app, or by using a code sent by SMS or call. This is called a 3D Secure (3DS) online payment and is an added level of security some websites ask for. Once you approve, your payment will go through as normal.
At the moment, we support 3DS payments for cards issued in the US.
Some websites only accept locally issued cards. So if your online payment gets declined, that might be why.
You can also withdraw cash from any ATM that accepts Mastercard — except the countries specified above for US and non-US cards respectively. If you don't know of any ATM near you, just use the Mastercard ATM locator to find one.
If you got your debit card in Singapore, you can make payments around the world and withdraw from ATMs overseas. But, you can't make ATM withdrawals while in Singapore.