How to get a Wise card in Malaysia [2024]

The Wise international debit card is linked to a multi-currency Wise account which allows you to hold and exchange 40+ currencies.

You can use your Wise card to make convenient cash withdrawals and to pay online or in person, with currency exchange using the mid-market exchange rate, plus no foreign transaction fee to worry about whenever you spend any currency you hold. That makes the Wise card a great way to manage your foreign currency spending, with low, transparent fees and fair exchange rates.

How to get a Wise card in Malaysia: Step by step

To order a Wise international debit card you’ll first need to register a Wise account.

This is free for personal customers and can be done entirely online or in the Wise app. Once you have your Wise account you can order a debit card, and get instant access to your card details to use when shopping online or for mobile payments using Apple Pay, Google Pay or similar.

Here’s how to open a Wise account and get a Wise card (Malaysia) step by step:

1. Visit the Wise website or app and click on Create account

2. Enter your email address

3. Confirm the type of account you want to open - personal or business

4. Select your main country of residence

5. Verify your mobile number with a code

6. Create your password for security

Once your Wise account is set up, you’ll be able to tap the Card tab and follow the prompts to order your Wise card. You’ll need to pay a one time 13.7 MYR fee to order your card, confirm your personal details and upload some documents for security.

How to activate your Wise card

If you’re ordering your Wise card from Malaysia there’s no separate activation step. Although to activate contactless payments you will need to make a Chip and PIN payment or withdrawal first. You can also use your card at an ATM to make a balance enquiry to get your card contactless feature up and running.

Can you get a Wise card in Malaysia?

Yes. The Wise card is available in Malaysia, and can also be ordered by Wise customers in a broad selection of other countries and regions, including the UK, the US, Canada, Brazil, Australia and most EEA countries.

How long does it take to get a Wise card?

Wise card delivery time in Malaysia is around 5 working days. Your physical Wise card will be delivered by mail. As soon as you order your physical Wise card online or in the Wise app you’ll get your card details so you can start to spend instantly. You can use your Wise card details for online shopping and to add to a mobile wallet like Apple Pay.

How much is the Wise card fee?

Before you start to spend, understanding the Wise card fee for spending and withdrawals - and any Wise card annual fee or ongoing costs - is important. The good news is that the Wise card is typically very cheap to use - here’s what you need to know.

Does the Wise card charge annual fees?

There’s no Wise card annual fee. Plus, you won’t pay any monthly fee for the Wise card. Instead, there is just a one time 13.7 MYR charge to order your physical card. Once you start spending, if you have enough in a particular currency balance to cover the cost of a transaction, you can spend easily with no foreign transaction fees.

Wise Card Fees: Spend & Withdraw at an ATM

Spending any currency balance you hold in your Wise account doesn’t incur any additional fee - but what are the Wise card fees if you spend a currency you don’t hold?

If you’re spending in a foreign currency and you don’t hold the balance you need, or if you don’t have enough of the specific currency to cover the costs of the transaction, the card’s smart auto- convert technology can change your money to the currency required for a low fee from 0.33%.

Wise also offers competitive costs for getting cash from an ATM whenever you need it. Up to 2 Wise card ATM withdrawals, to the value of 1,000 MYR are free every month. After that you’ll pay 1.75% of the withdrawal value + 5 MYR per withdrawal.

Learn more about Wise fees.

Is it worth getting a Wise card?

Hold 40+ currencies in your Wise account and spend from any enough currency balance you have for free with mid-market exchange rate, avoiding foreign transaction fees.

There are no ongoing monthly or annual fees to pay, and no minimum balance to worry about, so you can just use your Wise card and account whenever you need to. Here are some of the advantages you’ll get with a Wise card:

• No annual or ongoing fees to pay

• Spend in 150+ countries, with no foreign transaction fee

• Free ATM withdrawals to 1,000 MYR/month, with low fees after that

• Manage your card from the Wise app to freeze, unfreeze or cancel

How does the Wise card work in Malaysia?

You can hold 40+ currencies in your Wise account, and use your card all over the world to spend and make withdrawals. There’s no fee to spend if you hold the currency balance you need - and if you don’t have the currency you need in your account, the Wise card will automatically convert the amount for you.

The conversion will be managed from whichever available currency account has the cheapest conversion fee, so there’s no need to worry about converting money before traveling as you’ll know you’ll always get the lowest fee every time you spend.

How do I put money on a Wise card?

Your Wise card is linked to a powerful multi-currency Wise account, so to start spending you’ll simply need to add money to your account balance. This can be easily done, online or in the Wise app.

Here’s how to put money on a Wise card (Malaysia) from the Wise app or desktop site:

1. Log into your Wise account and tap Add money from the home page

2. Enter the amount and the currency you’d like to pay with

3. Choose how you’d like to pay, and click Continue to payment

4. Follow the prompts to complete the payment

Before you confirm your top up, you’ll be shown all costs, and any relevant conversion fee.

As an alternative, you can also top up your account direct from a bank account using local account details. Wise accounts come with local account details for 8+ currencies, including MYR if you register your account in Malaysia. This means you can get your MYR account details from the Wise app, and simply set up a normal bank transfer or FPX payment if you’d prefer. The money will be deposited to your Wise MYR balance as soon as it’s been processed by your bank.

Is the Wise card safe to use?

The Wise card is safe to use. Generally it’s considered safer to use a card for spending and cash withdrawals when you travel, as opposed to carrying large amounts of cash.

Plus, Wise cards can easily be managed, frozen or blocked from the Wise app if you ever need to do so. You’ll get instant transaction notifications in your Wise app whenever your card is used, so it’s easy to keep on top of managing your money no matter where you are.

Learn more about it here: Is Wise safe?

How to get a Wise virtual card

You can create a Wise virtual card as soon as you’ve ordered your physical Wise card, which means you can get started spending online and in person using a mobile wallet like Apple Pay.

Here’s how to get a Wise virtual card in Malaysia:

1. Visit the Wise website or app and log in

2. Tap Card and choose Get a digital card

3. You’ll see your Wise virtual card details for instant use

   Go to Wise

How to replace or cancel your Wise card

If you need to replace your card at any time, you can do so from the Wise app or desktop site. Here’s how to replace your card in the Wise app:

1. Tap the Card tab and then Replace card

2. Choose the reason you’re replacing your card, from the options on screen

3. Tap Replacement card

If you’re looking to cancel your Wise card entirely you can do so by getting in touch with Wise support using the chat function in the app.

Conclusion on getting a Wise debit card

A Wise debit card is easy to order, and can offer great international and multi-currency features including low cost currency conversion and convenient spending in 150+ countries. Simply open a Wise account online or in the Wise app, and order your Wise card there.

There’s no fee to spend any currency you hold - and Wise accounts can hold a pretty impressive 40+ currencies. If you don’t have the currency you need the Wise card will automatically convert your balance with low fees from 0.33%. That means you avoid the foreign transaction fees usually added by banks, so your money could go further when you spend internationally.