Wise Wise Debit Card Usage Flashcards

What happens to your Wise debit card transaction if the merchant applies a Dynamic Currency Conversion (DCC) option at the terminal?

Answer: You should decline DCC and let Wise handle the conversion to get the better rate

You should always decline DCC at the terminal because Wise's mid-market rate is almost always better than the merchant's DCC rate.

Which of the following best describes the Wise virtual card feature?

Answer: A digital card number instantly available for online and mobile wallet payments before the physical card arrives

The Wise virtual card provides an instant card number you can use for online shopping or mobile wallets while waiting for your physical card.

How can you freeze your Wise debit card if you suspect it has been lost or stolen?

Answer: Instantly through the Wise app with a single toggle

The Wise app lets you freeze and unfreeze your card instantly from the card settings screen.

What is the typical delivery timeframe for a physical Wise debit card in the United States?

Answer: 7–14 business days by standard mail

Wise typically delivers physical cards in the US within 7–14 business days by standard mail.

What should you do in the Wise app to ensure your card works when traveling internationally?

Answer: No action is needed — Wise cards work internationally by default

Wise debit cards are designed for international use by default and do not require a travel notification or unlock.

What happens if a Wise card transaction is declined due to insufficient balance?

Answer: The transaction is declined and no fee is charged

Wise is a prepaid debit product with no overdraft facility, so a transaction is simply declined if funds are insufficient, with no fee.

Which card security detail can you view directly inside the Wise app for online shopping?

Answer: The full card number, CVV, and expiry date

The Wise app lets you securely reveal your full card number, CVV, and expiry date for use in online transactions.