Wise Limits in Canada: Full Guide [2026 Updated]
Wise offers personal and business customers in Canada multi-currency digital accounts and payment cards, along with low-cost money transfers to 140+ countries.
To help keep customers and their money safe, Wise has specific limits in place. This guide walks through everything you need to know about Wise transfer, account, and card limits for both individual and business customers.
💡Quick summary
- Wise money transfers are subject to some limits which vary by currency and depending on how you want to pay
- Wise transfers has fairly high limits, and offers a service which is safe for holding and sending even large amounts
- Wise accounts have very high limits – or even no limits at all – on the amount of money you can receive and hold
- Wise cards have limits based on transaction type, which can be easily viewed and managed within the Wise app and online
💡 Wise limits in Canada: Quick summary 🇨🇦 | |
|---|---|
💰 Wise transfer limits per day | Daily limits vary by payment method, such as sending up to 9,500 CAD via direct debit or 1.5 million CAD by wire. Interac e-Transfer is typically capped at 25,000 CAD per transfer |
👥 Wise personal account limit | There is typically no limit on the total amount of money you can receive or hold in your account in Canada |
💳 Wise card monthly spending limit | Personal accounts feature daily and monthly spending caps that are identical by default. You can easily view or adjust these limits through the Wise app or website. |
🏧 ATM withdrawal limits | To protect your account, Wise sets withdrawal limits that apply to overseas use only for Canadian-issued cards. Like spending limits, your daily and monthly withdrawal allowances are the same by default. |
💼 Wise business account limits | Shared account limits apply across all team members. Limits are managed through a three-tier system (Account, Cardholder, and Card). |
Learn more about them on Wise CAD transfers guide. Wise limit information in this guide is correct at time of writing – 20th March 2026.
Does Wise have limits?
Yes. Wise has some limits in place, which can vary for different transaction types, and based on where your account is registered.
There are limits on how much you can send with Wise and spend with your Wise card.
In some cases there are also limits on how much you can receive with your Wise account.
Wise limits are set to help keep customers and their accounts safe. Generally, they're pretty high, but if you need to make a big purchase, or send a very high payment it's worth double checking which limits apply to your Wise account for that specific transaction type.
Overall, the limits used for account transactions and transfers is part of the way that Wise ensures it is safe for customers to hold, send and spend even large amounts.
As limits may change from time to time, you may want to double check the details which apply to your specific transaction on the Wise website or in the Wise app.
Wise transfer limits in Canada
Wise money transfer limits can vary depending on the currency you're sending from and to, how you choose to pay, and whether you have a personal or business account.
If you're ever unsure of the limit which applies to your account, you'll be able to check it in the Wise app, or reach out to the Wise customer support team for more detailed information.
Transfer limits may vary by currency. Let's take a look at the Wise money transfer limits by payment type for CAD:
Payment Type | Wise Transfer Limit |
|---|---|
Direct debit | Send up to 9,500 CAD per day Send up to 30,000 CAD weekly |
Debit or credit card | Send up to 3,000 CAD per transfer by debit or credit card |
Online bill payment and wire transfer | Send up to 1.5 million CAD |
Interac e-transfer | Send up to 25,000 CAD (your bank may have a lower limit) |
*Information correct at time of writing - 20th March 2026
Currency you're sending to | Wise Transfer Limit |
|---|---|
USD 🇺🇸 | Up to 1 million USD for local transfer Up to 1.6 million USD for SWIFT transfer |
AUD 🇦🇺 | Up to 1.8 million AUD |
GBP 🇬🇧 | Up to 20 million GBP |
EUR 🇪🇺 | Up to 20 million EUR |
CAD 🇨🇦 | Bank transfers are unlimited |
*Information correct at time of writing - 20th March 2026
➡️ Find out more with Guide to CAD transfers 💸
Wise account limits
How much money can I hold in my Wise account?
💡 Generally, there is no limit to the amount of money you can receive or hold in your Wise account in Canada.
Canadian customers can open a Wise account as a personal or business customer, to hold and exchange 40+ currencies, and open local account details in up to 8 currencies to receive payments.
You can also order a linked Wise card which can be used for spending and withdrawals in 150+ countries – we'll look at Wise card limits in detail in just a moment.
To keep customers and their money safe, Wise has a few limits to the amount you can receive or hold in your account. These limits vary based on the currency involved, and where your residential address is.
Wise account receiving limits ⬇️
💡 Generally, there is no limit to the amount of money you can receive or hold in your Wise account in Canada.
Once you have a Wise account you can get local account details in up to 8 currencies to get paid conveniently by others.
All you'll need to do is open a currency balance in the currency you need through the Wise app, to generate your local account details. Pass these to the person sending you money, and they can use these details to set up their transfer in their preferred way.
If you're getting sent money in CAD you can ask the person to send the payment via non-wire and non-Swift methods instead which will be free to receive.
Wise card limits for customers in Canada
Once you have opened your Wise account you can order a Wise card for a one time fee, and have it delivered to your home. To ensure customer accounts are safe, Wise sets limits on how much you can spend and withdraw from ATMs.
These are managed through your total account spending limits, which apply to the combined activity of all cards on your account.
You'll be able to spend with your Wise card in 150+ countries for in-store purchases or with Wise digital cards online, with no fee to spend a currency when you hold enough balance in your account.
If you don't have the currency you need, your card can simply convert from the balance you do hold, using the mid-market exchange rate and a low fee from 0.48%. The card's smart autoconversion feature will deduct the funds needed from the currency balance you hold which incurs the lowest possible fee.
That means you can just add money in CAD – or any of the other 20 or so supported currencies for top up – and spend conveniently around the world. There's no need to switch to the local currency wherever you're heading in advance – and you'll know you're getting the best available deal wherever you go.
Learn more: What are my Wise card spending limits? 💳
How Wise spending limits work
All Wise personal customers have daily and monthly account spending limits. These limits refresh at midnight each day and on the first day of each month. By default, your daily limits are the same as your monthly limits, meaning you have the flexibility to use your entire monthly allowance in a single day if needed.
You can also choose to set daily and monthly limits on specific cards to help manage your budget. However, the amount you spend cannot exceed your overall account limits, even if a higher limit is set on an individual card.
How to change spending limits on Wise card
If you want to change the limits on your Wise card, you can do so conveniently in the Wise app or by logging into your account online.
Here's how to change your Wise card limits in the Wise app:
Log into your account and go to the Card tab
Tap Your Spending Limits
Select Edit in the Account limits section
Enter your new limits and Confirm
And here's how to change your Wise card limits if you're using the Wise website:
Log into your account and go to the Card tab
Tap Your Spending Limits
Select Edit in the Account limits section
Enter your new limits and Confirm
How to check Wise card limits in Canada
Not sure how much you've got left on your Wise card limit? You can easily check this online or in the Wise app.
Here's how to check your Wise card limits in the Wise app:
Log into your account and go to the Card tab
Tap Limits and select the limit you'd like to check
You'll be shown the limits that apply, how much you can still spend or withdraw, and when each limit will reset
And here's how to check your Wise card limits if you're using the Wise website:
Log into your account and go to the Card tab
Select Account limits and choose the limit you'd like to check
You'll be shown the limits that apply, how much you can still spend or withdraw, and when each limit will reset
Wise card withdrawal limits 🏧
Wise sets limits on how much cash you can withdraw from ATMs to protect your account. For cards issued in Canada, these limits apply to overseas withdrawals only, as the Wise debit card cannot currently be used at domestic Canadian ATMs.
By default, your daily withdrawal limit is the same as your monthly limit, but you can adjust these within the Wise app to suit your needs.
Limit type | How it works |
|---|---|
Daily limit | Refreshes every day at midnight |
Monthly limit | Refreshes on the first day of each calendar month |
While Wise provides a free monthly allowance for cash withdrawals, fees apply once you exceed certain thresholds. You can find the fees on Wise CA pricing page.
Learn more: How Wise keeps your money safe 🛡️
Wise Business limits for account & card 💼
As we've mentioned above there's often no limit to the amount of money you can hold in your Wise account. However, similar to your personal account Wise card, limits also apply to your Wise business card.
Wise Business cards spending limits
The card spending limits for sole traders are set at the same level as for personal customers.
If you have a registered business, the limits for using your Wise Business card will be different to any Wise personal account you may also have and apply to the entire account.
Rather than a single fixed amount, Wise uses a three-tier system to give you more control:
Limit type | What it covers | Who manages it |
|---|---|---|
Account limits | The total amount you and all team members can spend and withdraw overall | Account owner or admins |
Cardholder limits | The total amount a specific team member can spend across all their cards | Account owner or admins |
Limits per card | The amount that can be spent or withdrawn on one specific physical or digital card | The cardholder |
Your spending is restricted by the lowest relevant limit. For example, if you set a 10,000 CAD limit on a specific card, but the cardholder has a personal limit of 5,000 CAD, they will only be able to spend 5,000 CAD.
Wise Business expense card limits
You can order Wise expense cards for your team and then set individual spending and withdrawal limits for each card holder.
💡 Card holders will be able to view their own limits from the app, but they won't have access to any other account information unless you've authorized access.
Administrators of the Wise account are able to set and check individual card spending limits for other card holders, and can also block a card temporarily if there's ever any need to do so.
How to check Wise Business limits
Wise Business card holders can check their own spending and withdrawal limits online or in the Wise app.
Here's how to check your Wise Business card limits in the Wise app:
Log into your account and go to the Card tab
Select your spending limits
Select View account limits in the Account limits section
You'll be shown the limits that apply, how much you can still spend or withdraw, and when each limit will reset
If you'd like to edit your limits, select Edit account limits and enter your new limit before confirming
And here's how to check your Wise Business card limits if you're using the Wise website:
Log into your account and go to the Card tab
Select your spending limits
Select View account limits in the Account limits section
You'll be shown the limits that apply, how much you can still spend or withdraw, and when each limit will reset
If you'd like to edit your limits, select Edit account limits and enter your new limit before confirming
Conclusion: Does Wise have limits?
Wise uses account and card limits to keep your money safe. These vary by transaction and currency but are generally high enough for everyday spending and large international transfers.
Depending on the type of account you have, you may find there's no limit to the amount of money you can receive or hold in your Wise account. You can easily view and adjust your specific limits anytime directly in the Wise app.
Limits may change over time, you can check the limits for your transaction on the Wise website or in the Wise app.
Useful resources
Wise Card Spending Limits – Wise card spending limits and ATM withdrawal descriptions
Wise CAD Transfer Guide – Guide to CAD transfers and local payment methods
Wise Safety and Security – Wise account safety and data security descriptions
Wise Business Card Limits – Wise business account spending and team member card limits