Wise
Ongoing · No end date published · Singapore

Get a free card or a fee-free transfer up to S$900 with Wise

Open Wise's invite link, sign up as a new customer and choose one gift: a free Wise card, or zero Wise fees on a transfer of up to S$900. There is no promo code to enter.

Published · Last updated

Wise invite link · no code needed

Free card or
fee-free transfer
up to S$900
Get my Wise invite link
New Wise customers only · T&Cs apply
Wise can change or end the invite programme at any time.
Free card A Wise debit card, free. Pick this or the transfer.
S$900 Fee-free transfer limit. Pick this or the card.
No code The invite link applies the gift automatically
Wise referral link Singapore October 2026 infographic: a free card or a fee-free transfer up to S$900 for new customers, no promo code needed, with 30 days to add the link after signing up
Wise referral link Singapore — October 2026 rewards at a glance: the free card or fee-free transfer up to S$900 for new customers, the 30-day window to add the link, and how to claim without a promo code.
How to claim

Four steps to your
Wise gift

Open the link first, then register. The link is what ties your new account to the gift.

1
Open the Wise invite link

The link opens Wise's invite page for Singapore, which shows the gift on offer. There is no promo code or coupon field to fill in. The link itself records the referral.

Open Wise invite link →
⚠️Open the link before you register. If you have already created a Wise account, read the 30-day rule in the FAQ below before doing anything else.
2
Sign up with your email or the app

Enter your email address on the invite page and tap Get your gift, or tap Get the app to register in the Wise app. Either way, you are registering as a new customer through the link.

3
Choose a free card or a fee-free transfer

Wise describes the gift as a free card or a fee-free transfer up to 900 SGD. Pick the one that matches what you plan to do with Wise first.

💡Planning to send money abroad soon? The transfer gift has a clear value. Mainly want a card to spend overseas? Check what the free card covers on the invite page before you choose.
4
Verify your identity and use your gift

Complete Wise's sign-up and identity checks, then order your card or send your transfer. Wise's help centre says a free transfer must be used within 6 months of signing up.

✅The free transfer covers Wise's transfer fees. External costs, such as tax payments, are not covered.
What you get

Two gifts,
you choose one

The two gifts are shown on Wise's Singapore invite page and described in Wise's help centre, as checked on 13 Oct 2026.

Gift option 1
Free card
A Wise debit card
Spend in 40+ currencies. Wise says it charges no fee just for using the card abroad, with low conversion fees at the mid-market rate.
Gift option 2
S$900
Fee-free transfer, up to
Zero Wise fees on a transfer of up to S$900. External costs such as tax payments are not covered, and Wise says to use it within 6 months of signing up.
ℹ️The transfer gift waives Wise's fee, so your saving is the fee on that transfer and not S$900 itself. The closer your transfer is to the S$900 ceiling, the more the waived fee is worth.
🌍

50+ currencies

Wise's invite page says you can send money to 50+ currencies, and the platform has over 16 million customers.

⚖️

Real exchange rate

Wise advertises the mid-market rate with no hidden fees or exchange rate markups when you send or spend.

💳

40+ currencies on the card

The Wise debit card spends at home or abroad in 40+ currencies, and a digital card is free to add.

🛡️

MAS-licensed

Wise Asia-Pacific Pte. Ltd. is licensed by the Monetary Authority of Singapore as a Major Payment Institution.

October 2026 card pricing

What the Wise card
costs in Singapore

From Wise's pricing page for Singapore residents, checked on 13 Oct 2026. Fees can change.

Ordering and digital card
Order a physical card
Free
No subscription fee. Digital card also free.
Wise lists the physical card order and the digital card as free for Singapore residents.
Optional extras
Express delivery
From S$16
Delivered in 1–2 days
Replacing a card costs S$4 when you order a new one at any time. Replacing an expired card is free.
ℹ️ATM withdrawals are free up to and including S$100 per month, then 1.75% of the amount above S$100 per withdrawal. Wise cards cannot be used for local ATM withdrawals in Singapore.
ℹ️Wise's pricing page currently lists ordering the card as free, while the invite page still names a free card as one of the two gifts. If the card is the gift you want, confirm what it covers on the invite page before you choose.
Who qualifies

Check you're eligible
before you sign up

The gift is for people who are new to Wise. Here is what Wise's referral terms ask for.

You qualify if

  • You are not already a Wise customer
  • You sign up through the invite link, or add it within 30 days of signing up
  • You are using Wise for individual personal use
  • You complete Wise's sign-up and identity checks
  • You live in a country where the programme is available, such as Singapore

You don't qualify if

  • You have a Wise account that is more than 30 days old and did not add the link in time
  • You are using Wise for commercial or business purposes under this programme
  • You send from an account that is not in your own name
  • You live where the programme is not available
  • Wise has changed or ended the programme before you sign up
FAQ

Common questions

Straight answers, no padding.

As a new Wise customer in Singapore you can choose a free card or a fee-free transfer up to S$900. Wise's invite page describes the gift as a free card or a fee-free transfer up to 900 SGD, and Wise's help centre says the invited customer chooses between the two. The gift is not a cash credit: the fee-free transfer waives Wise's own fee on that transfer, so the saving is the fee, not S$900 itself.
No. Wise's invite programme does not use a promo code or a text-based coupon field during registration. The gift is applied through the invite link, so opening the link before you register is the only step. The link carries the referral, so there is nothing to type in or paste.
Wise's referral terms describe the invited person as someone who is not already a Wise customer and who signs up through the invite link. Someone who signed up recently can still be counted if they add the link within 30 days of signing up. The programme is for individual personal use, not commercial use, and may not be available in every country. Wise can change or end the programme at any time.
Open the invite link before you register. If you have already created an account, Wise's invite page has an option for people who signed up but did not add the link, and the referral terms allow the link to be added within 30 days of signing up. After 30 days the terms do not allow the link to be added, so do not rely on adding it later.
Wise presents the gift as a choice between the two, so plan on picking one. The fee-free transfer has a clear ceiling: zero Wise fees on a transfer of up to S$900, which suits you if you already plan to send money abroad soon. The free card suits you if you mainly want to spend abroad. Wise's Singapore pricing page lists ordering a physical card as free at the time of writing, so check on the invite page what the free card covers before you decide.
Wise's help centre describes the free transfer as a discount on your first transfer that covers Wise's transfer fees, not external costs such as tax payments. It must be used within 6 months of signing up. The Singapore invite page shows the ceiling as 900 SGD, so check the fee Wise displays before you confirm a larger transfer.
Wise's help centre says the invited customer still gets the gift even if they do not reach the qualifying amount that applies to the invite programme, so the free card or fee-free transfer does not depend on hitting a spend target. Some third-party guides quote a S$250 spend or transfer target for Singapore. Wise does not list that figure on its invite page, so treat it as unconfirmed and check the terms shown when you sign up.
Wise Asia-Pacific Pte. Ltd. is licensed by the Monetary Authority of Singapore as a Major Payment Institution under the Payment Services Act (licence PS20200413) and also holds a Capital Markets Services licence. Wise says customer balances are held in segregated safeguarding accounts at DBS Bank and OCBC Bank, apart from its own working capital. Wise is a payment institution, not a bank, so SDIC deposit insurance does not apply to Wise account balances.

Before you use Wise

Wise Asia-Pacific Pte. Ltd. is licensed by the Monetary Authority of Singapore as a Major Payment Institution under the Payment Services Act 2019 (licence PS20200413). Wise says customer balances are safeguarded in segregated accounts with DBS Bank Ltd and Oversea-Chinese Banking Corporation Limited, separate from its own working capital.

Wise is not a bank. Money held in a Wise account is not a bank deposit, so SDIC deposit insurance does not apply. The free card and fee-free transfer are promotional gifts that Wise can change or withdraw at any time. This page has not been reviewed by the Monetary Authority of Singapore.

Get a free card or a fee-free transfer up to S$900 with Wise

Open the invite link, sign up as a new customer and choose your gift. There is no promo code to enter.

Join Wise with the link

New Wise customers only. Offer ongoing with no published end date; Wise can change or end it at any time. Free transfer to be used within 6 months of signing up. T&Cs apply.

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