Wise overseas ATM fees
Japan-issued Wise: free ATM withdrawals up to 25,000 JPY a month, then 100 JPY plus 1.75%. Some ATMs add their own fee. Source date: 2026-05-01.
Card basics
- Card name
- Wise Standard
- Supported networks
- VISA
- Home currency
- JPY
Fee terms
- Overseas ATM fee
- Free up to 25,000 JPY per month, then 100 JPY plus 1.75%
- FX markup
- Not charged for cash advances
Official answers
- What does a Japan-issued Wise card charge at an ATM?
- Wise's Japan pricing page says withdrawals are free up to 25,000 JPY per month per account. Above that, the ATM fee is 100 JPY plus 1.75% of the amount over 25,000 JPY. The same page says some ATM providers may charge an additional fee, and that customers who have moved abroad should check the ATM fee in the app or on the web. Wise Japan pricing
Local ATM operator fee
The local ATM operator fee is passed through to your withdrawal amount and included in your billing.
This means the fee charged by the local ATM (e.g., 220 THB in Thailand) is added to your withdrawal amount and billed to you.