Wise Test Wise Wise Debit Card Usage 3 — Questions and Answers
Question 1: What happens to your Wise debit card transaction if the merchant applies a Dynamic Currency Conversion (DCC) option at the terminal?
- Wise automatically rejects DCC and uses its own rate
- You should decline DCC and let Wise handle the conversion to get the better rate (Correct answer)
- Wise charges no fee if you accept DCC
- DCC always gives a better rate than Wise's conversion
Correct 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.
Question 2: Which of the following best describes the Wise virtual card feature?
- A separate card number only usable at Wise partner merchants
- A digital card number instantly available for online and mobile wallet payments before the physical card arrives (Correct answer)
- A card that can only be used for subscriptions, not one-time purchases
- A secondary card issued to a family member
Correct 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.
Question 3: How can you freeze your Wise debit card if you suspect it has been lost or stolen?
- Call Wise support and wait 24–48 hours for processing
- Only by mailing a written request to Wise
- Instantly through the Wise app with a single toggle (Correct answer)
- Submit a freeze request via email and wait for confirmation
Correct 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.
Question 4: What is the typical delivery timeframe for a physical Wise debit card in the United States?
- Same-day delivery via courier
- 2–4 business days with express shipping
- 7–14 business days by standard mail (Correct answer)
- Up to 30 days due to international shipping
Correct answer: 7–14 business days by standard mail
Wise typically delivers physical cards in the US within 7–14 business days by standard mail.
Question 5: What should you do in the Wise app to ensure your card works when traveling internationally?
- Call Wise support at least 72 hours before departure to unlock international use
- No action is needed — Wise cards work internationally by default (Correct answer)
- Enable the 'International Travel' toggle in card settings before you depart
- Purchase a travel add-on subscription for $5/month
Correct 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.
Question 6: What happens if a Wise card transaction is declined due to insufficient balance?
- Wise covers the shortfall and bills you later like a credit card
- The transaction is declined and no fee is charged (Correct answer)
- Wise charges a $25 overdraft fee
- The transaction is approved but your account goes into a negative balance
Correct 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.
Question 7: Which card security detail can you view directly inside the Wise app for online shopping?
- Only the card expiry date
- Only the last four digits of the card number
- The full card number, CVV, and expiry date (Correct answer)
- The CVV only — the full number is never displayed for security
Correct 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.
Wise Test Wise Wise Debit Card Usage 3
What happens to your Wise debit card transaction if the merchant applies a Dynamic Currency Conversion (DCC) option at the terminal?