Wise card - can you have a joint as well as individual card

Forums › Travel (planes, train, cruise) › Wise card - can you have a joint as well as individual card

invisibleman18

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#319419 23-Apr-2025 14:27

Wife and I are doing a Europe trip soon and it looks like Wise is the best option for handling money. Just wondering, what’s the best way to have both an individual and joint card given it looks like you can only have one account per user?

Not wanting to start a “you’re married, it’s all joint” discussion. Appreciate all that but we do the modern thing where we maintain our own accounts/savings as well as joint accounts and it works for us. Ideally, we’d like to keep this setup with the trip where we’d have our own cards for our own personal shopping funded from our individual savings, as well as a joint one funded from joint savings which would pay for all the joint things like entry fees, meals, transport etc. Leaving aside the point that it's technically all joint, what's the best way to basically have 3 cards for 2 people? Has anyone managed to organise something similar?

My wife has ID with both her maiden and married names (figured no point paying out for new passport until it needs to be renewed when it had 8 years left on it) so could she open two different Wise accounts with different surnames? Or would they just end up being cancelled given they are the same DOB etc so wouldn’t be difficult to spot it’s the same person. Would it be best to just use a different card for the joint one (Travelex, Revolut etc)? In which case, which is best other than Wise?

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#3366788 23-Apr-2025 15:32

Not quite an answer to your question, but having just gotten back from my first trip using wise and having travelled with one of my adult step-daughters, This seems relevant. W found we could instantly transfer currency to each others wise accounts as needed without any transfer fees (for the same currency, any conversions would obviously change that), which may alleviate the need for a joint account in your situation.

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openmedia

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#3366880 23-Apr-2025 17:25

My wife and i have our own Wise accounts which means we've got double the "free ATM" use when ouyside of NZ. Also as mentioned by @Lias it is very easy to move money between WISE users, and costs zero if you don't change the currency during the transfer.

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shk292

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#3366894 23-Apr-2025 18:46

Not sure if it's possible, but you could try adding both a physical and a virtual Wise card to your phone wallet. You could then use one for joint and one for individual

Scott3

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#3366953 23-Apr-2025 23:53

Wasn't possible when I looked into it about a year ago. Had to set up a second account for the other user and transfer money across to them.

Yoban

447 posts

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#3366973 24-Apr-2025 09:02

I have one account with a physical card and virtual card.

Load virtual card on my apple pay and partner has the physical card

SpartanVXL

1306 posts

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#3366974 24-Apr-2025 09:06

Fair warning, you need to do the whole verification and add the user as a trusted person to get the transfer to happen straight away. Test with a transfer both ways before you go for your trip, doing all the above in the middle of a holiday is no fun :)

jonathan18

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#3366976 24-Apr-2025 09:12

Yoban:

I have one account with a physical card and virtual card.

Load virtual card on my apple pay and partner has the physical card

Sure, we have a similar set-up where all of us (me, my wife and two kids) have 'cards' (noting the physical card can also be loaded on GP/AP so can also be virtual), but in such arrangements all cards are simply accessing the same pot of money. And that's not what the OP's looking for:

we’d have our own cards for our own personal shopping funded from our individual savings, as well as a joint one funded from joint savings which would pay for all the joint things like entry fees, meals, transport etc. Leaving aside the point that it's technically all joint, what's the best way to basically have 3 cards for 2 people? Has anyone managed to organise something similar?

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invisibleman18

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#3366977 24-Apr-2025 09:12

Thanks for the tips on transferring money between Wise accounts. I had thought of just putting the joint money on one of the individual accounts like that but feels like a lot of admin to keep track of which pot of money each transaction came from so a separate account would be easiest.

I guess it's a lesson on why it would have been easier to just merge everything to begin with! But not looking for that debate lol.

Yoban:

I have one account with a physical card and virtual card.

Load virtual card on my apple pay and partner has the physical card

Is that just the one account with both cards accessing the same money?

Not quite what we're hoping to do. We'd like to each have an individual account with our own money, and a third joint account with joint money on it. Doesn't look like it's possible with Wise. Is there a different travel money card people would recommend to use for the 3rd account?

jonathan18

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#3366978 24-Apr-2025 09:15

invisibleman18:

Would it be best to just use a different card for the joint one (Travelex, Revolut etc)? In which case, which is best other than Wise?

I reckon I'd just go with this - both of you have your own Wise accounts and set up another account with a different provider (with both of you having this account loaded for the 'joint' expenses). I had looked at Revolut, as it does seem to be fairly similar. Not sure if you've seen this Moneyhub comparison article? https://www.moneyhub.co.nz/revolut-vs-wise.html

Yoban

447 posts

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#3366981 24-Apr-2025 09:28

invisibleman18:

Thanks for the tips on transferring money between Wise accounts. I had thought of just putting the joint money on one of the individual accounts like that but feels like a lot of admin to keep track of which pot of money each transaction came from so a separate account would be easiest.

I guess it's a lesson on why it would have been easier to just merge everything to begin with! But not looking for that debate lol.

Yoban:

I have one account with a physical card and virtual card.

Load virtual card on my apple pay and partner has the physical card

Is that just the one account with both cards accessing the same money?

Not quite what we're hoping to do. We'd like to each have an individual account with our own money, and a third joint account with joint money on it. Doesn't look like it's possible with Wise. Is there a different travel money card people would recommend to use for the 3rd account?

yes it is - a hasty response and lack of coffee resulting in a failing to read OP fully.....thanks too @jonathan18 for clarification.
I did find this feature How to use 'Spend with others' | Wise Help Centre but need to investigate further re the two pots to choose from.

invisibleman18

1360 posts

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#3366983 24-Apr-2025 09:35

Thanks for that link. If you can use a separate pot of money for the group then that would be the solution. Will investigate that further.

Eva888

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#3366984 24-Apr-2025 09:35

We use one account. The same Wise app and password is downloaded to both his and hers devices, also on an iPad. One of us has the physical card for back up and each person has a different virtual card on their phone named John or Mary. When a purchase is made, it pops up in notifications that card ending in 1234 has spent $25 at X coffee shop. Then when card ending 4567 buys a hamburger it also pops up in notifications.

Therefore you could use one account on both phones, keep it loaded and when you get back from holiday easily split the transactions into his and hers and do a tally up. The statement within the App will show you whose card was used for each transaction and where it was spent.

NB join now because getting a physical card can take up to 14 days and my first one didn’t come at all so I had to order one again, taking it to over a month of waiting for its arrival.

johno1234

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#3366988 24-Apr-2025 09:50

shk292:

Not sure if it's possible, but you could try adding both a physical and a virtual Wise card to your phone wallet. You could then use one for joint and one for individual

It is possible. I have a physical Wise card but hardly ever use it as I also have it installed as an Apple pay card on my phone. Both still work.

invisibleman18

1360 posts

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#3366993 24-Apr-2025 10:17

johno1234:

shk292:

Not sure if it's possible, but you could try adding both a physical and a virtual Wise card to your phone wallet. You could then use one for joint and one for individual

It is possible. I have a physical Wise card but hardly ever use it as I also have it installed as an Apple pay card on my phone. Both still work.

But would they both access the same pot of money being from the same account?

Eva888

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#3367045 24-Apr-2025 10:47

In the How to Spend With Others link my understanding is that the member you add as an Owner has to also be a Wise member and searchable, so they will still need to go through the application process. It’s a little ambiguous and needs clarifying. I had thought to use this method to add a grandchild as a way to feed some pocket money.

@inviseableman18 My method above uses the one pot of money. I just found it to be an uncomplicated method and never used the physical card except for withdrawing cash from ATM. Both virtual cards were in Apple Pay. Physical card is a back up if phone gets stolen or mislaid.

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