Wise Invite Link: Which Sign-Up Gift to Pick, Card or Transfer?

Signing up to Wise through an invite link gives you one gift, and you choose which: a free Wise card, or zero Wise fees on a transfer of up to S$900. Which one is better depends entirely on what you'll do first.

Wise invite link (no promo code): https://wise.com/invite/ahpc/christ457

Pick the transfer if... You're about to send money overseas, like school fees, paying family, or a deposit for a rental abroad. The saving is the Wise fee on that transfer, not S$900 itself, so it's worth more the closer your transfer is to S$900. Use it within 6 months of signing up. External costs (e.g. tax payments) aren't covered.

Pick the card if... You mainly want something to spend with overseas. The Wise debit card spends in 40+ currencies at the mid-market rate. Worth knowing:

• Wise's Singapore pricing page currently lists ordering a physical card and the digital card as free for Singapore residents anyway, so check the invite page for what the "free card" gift adds before choosing it
• ATM withdrawals are free up to S$100 a month, then 1.75% above that
• The card can't be used at local ATMs in Singapore

My rough rule: if you have any overseas transfer coming in the next six months, take the transfer gift.

Steps

1. Open the invite link before registering
2. Enter your email and tap Get your gift, or tap Get the app
3. Choose the card or the transfer
4. Verify your identity and use it

Already made an account without the link? There's a 30-day rule for adding it, explained in the FAQ on DLCuration's Wise page, which is also where I found the card pricing note: https://dlcuration.com/wise-referral-link.html

Wise Asia-Pacific is MAS-licensed as a Major Payment Institution; balances aren't bank deposits. Just my take, not advice.