Wise Referral Link: Free Card or Fee-Free Transfer? How to Pick and Not Waste It

New Wise customers who join through an invite link choose one gift: a free Wise card or zero Wise fees on a transfer up to S$900. Here's how I'd use it, and the one mistake that wastes it.

Pick the transfer, not the card

Wise's Singapore pricing page already lists the card as free to order, so the card gift adds little for most people. The fee-free transfer has clear value if you send money abroad in the next 6 months.

The mistake: a test transfer

The voucher applies automatically to your next cross-currency transfer and is single use. Send S$20 to try the app and the gift is spent on a S$20 transfer. Make your first transfer the real one, and keep it to S$900 or less to have Wise's whole fee waived.

Things that don't touch the voucher

• Adding SGD to your SGD balance
• Paying with your Wise card
• Tax payments and other external costs (not covered)

Card or bank payment fees above the discount still apply, so paying from a bank account in your own name keeps the full saving.

Already signed up without a link?

You can add one within 30 days of joining at wise.com/invite/use-invite-link. After 30 days, Wise's terms don't allow it.

How to claim

1. Open the invite link before you register.
2. Sign up from the invite page and choose the fee-free transfer.
3. Verify your identity.
4. Send your first real transfer within 6 months.

Full walkthrough and FAQ: https://dlcuration.com/how-to-use-wise-referral...

Disclosure: this is DLCuration's Wise invite link, and Wise may pay a referral reward if you sign up with it. Wise Asia-Pacific Pte. Ltd. is licensed by MAS as a major payment institution. Wise balances aren't SDIC-insured. Not financial advice.