For most customers, there's no separate activation step for your Wise card. To activate your card you just need to make your first payment using Chip and PIN.
If your card was issued in the US, Japan, or the Philippines, check the relevant sections below.
What if my Chip and PIN payment gets declined?
If your Chip and PIN payment gets declined, you can activate your card at an ATM by doing a balance inquiry or cash withdrawal.
You can use the Mastercard ATM locator or Visa ATM locator to find an ATM near you.
For Canada or Singapore cardholders, if you're trying to activate your card at an ATM, you won't be able to make a cash withdrawal at local ATMs. Please try a Chip and PIN payment choose balance inquiry in order to activate your card.
For Brazil cardholders, balance inquiries aren't supported. Please try a Chip and PIN payment or cash withdrawal at an ATM instead.
US and Philippines cardholders
If your card was issued in the US or in the Philippines, you can activate it by using the 6-digit PIN we give you with your card.
From your Wise account go to Card
If you have other Wise cards, you may need to swipe to the right to select your new card.
Choose Activate your card
Enter the 6-digit code that’s on the letter your card came attached to.
US cardholders who ordered their card after 31 January 2024 can activate their card from anywhere in the world. US cards ordered before this can only be activated from inside the US.
Japan cardholders
You can activate your card by using the 6-digit PIN we give you with your card.
From your Wise account go to Card
If you have other cards, you may need to swipe to the right to select your new card.
Choose Activate your card
Enter the 6-digit code that’s on the letter your card came attached to.
If your card was issued in Japan before March 2023:
Check your balance at an AEON, E-net or Daily Yamazaki ATM.
If prompted, choose "international cards".
Enter your 4 digit PIN to activate your card.