Wise debit card

[neils2004]

Hi,
Has anyone had experience using a Wise debit card internationally ?
Thinking of obtaining one for use in Europe and the UK.

 

[VPS]

Good question but used it in Japan last April with no issues. Also used it in Egypt etc.

Usually if you look at the declined they will tell you why.

I got caught out once because when I wasn't using it put the daily limits to almost nothing and kept getting declined because of that

 

[Pushka]

Usually if you look at the declined they will tell you why.

I got caught out once because when I wasn't using it put the daily limits to almost nothing and kept getting declined because of that

Yes it was declined because of lack of funds. Seems it’s trying to take it out of my Aus bucket which is zero rather than my US bucket which is $350 even though in the USA. Chat GPT explanation. Have now transferred $100 into AUD bucket and will try that tomorrow. Which all seems kinda pointless.

 

[DejaBrew]

Yes it was declined because of lack of funds. Seems it’s trying to take it out of my Aus bucket which is zero rather than my US bucket which is $350 even though in the USA. Chat GPT explanation. Have now transferred $100 into AUD bucket and will try that tomorrow. Which all seems kinda pointless.

Yeah, that's a very weird behaviour and not one I've encountered when using Wise. It's always been very smart at pulling from the local currency bucket first and only moving to AUD if there's a shortfall.

 

[Pushka]

Yeah, that's a very weird behaviour and not one I've encountered when using Wise. It's always been very smart at pulling from the local currency bucket first and only moving to AUD if there's a shortfall.

Makes pre currency purchases a waste of time. And totally against the whole wise method.

 

[VPS]

Makes pre currency purchases a waste of time. And totally against the whole wise method.

Wise have a contact us on their app so maybe try to chat with them

 

[Zero]

Were the merchants trying to scam you with DCC?

 

[Viridis]

Losing my patience with

My wife had some issues recently with low value funds transfers from colleagues. I dismissed it as she was a relatively new customer.

I’ve been with them for over 10yrs. Have just had the same issue - low value transfers from colleagues for a dinner that was put on my tab whilst overseas. Got an email saying that transfers have been suspended whilst they investigate

The email stated, amongst other things

We need to know:

• If the reference is related to a person. In this case, we'll need their full legal name, date of birth, and the country they live in.
• If the reference is related to a business or organisation. In this case, we'll need their full registered name and address.
• If the reference is related to something else. In this case, you'll need to let us know what the reference means, the reason for the transfer and what the money will be used for.

You can do this by clicking the button below.

The reference from the sender was “dinner”. Their money laundering algorithm seems incredibly ‘immature’.

I’ve had enough. I need more reliability than this. Sent a forthright email and transferred most of my activity to Revolut.

However, the one process with which I am stumped is payments to a US Amex. Presently, I have a Direct Debit from the US balance (for which there are details) of my Wise account.

However, Revolut does not (yet) offer local bank details. For those with a US Amex, how do people pay their statements balance without the use of a US bank account (eg BoA etc etc). Is Wise the only option??

Thanks in advance

 

[HappyFlyerFamily]

Yes it was declined because of lack of funds. Seems it’s trying to take it out of my Aus bucket which is zero rather than my US bucket which is $350 even though in the USA. Chat GPT explanation. Have now transferred $100 into AUD bucket and will try that tomorrow. Which all seems kinda pointless.

Yeah, that's a very weird behaviour and not one I've encountered when using Wise. It's always been very smart at pulling from the local currency bucket first and only moving to AUD if there's a shortfall.

Not that its happen to me, but once I recall someone setting up a jar accidentally and not moving it out.

What's Jars and how can I keep money in them? | Wise Help Centre

Jars is a feature to set aside money, and keep it separate from your main account, for future use. The rates are no different to holding a regular currency in your main account. You can open a jar ...

wise.com

Apparently cannot access funds that are in a 'jar' via debit card or direct debit.