- 如何用好虚拟银行卡系列
- 《虚拟银行卡使用场景与消费陷阱》
- 《Wise:如何开通虚拟银行卡与实体银行卡》
- 《Wise虚拟卡:成功订阅DeepL 尽享高效翻译》
- 《借助Quppy中转 Wise注册与入金激活》
- 《Wise/Duppy Pro/Onekey费用对比》
与其他光怪陆离的虚拟银行卡相比,Wise国际借记卡算得上一股清流了。由于持卡成本较低,如果有购买和订阅国外App或服务的需求,不妨持有一张。
不过,就像大多数金融服务一样,中国大陆用户用起来并不美好,虽然可以开通多个外币账户,有自己的iBan和Swift/Bic代码。但Wise向其他国家提供的虚拟卡和实体卡服务,却暂未向中国大陆用户开放。
不过现在已有了解决办法:先以真实的中国大陆身份资料注册Wise,账户入金验证激活后,再将居住地资料改为支持申请银行卡的国家即可。
开通的国家:英國、澳洲、新加坡、馬來西亞、日本、巴西或加拿大等
这种方法在之前是不可行的,一则中国大陆用户无法更改居住地,二则更改其他居住地也会被要求提供真实的居住证明。但现在Wise似乎开放了这个限制:在2023年年中时,可以通过Wise App自由更改申请;到了2023年末,我在App端更改居住地后无法申请,但在网页端申请成功。
【一个用户可以申请1张实体卡和3张虚拟卡】
鉴于这种限制不知是暂时放开,还是会随时关闭。有能力又有兴趣的朋友不妨申请一下,只要你有中国护照,其他条件都不是问题。
已经注册但还有申请银行卡的朋友可以参照以下流程,仅以网页端为例,非常简单:
1、更改资料
点击右上角头像,点击“资料”
2、更改国家和地址
关于选择国家:建议在澳大利亚、新西兰、日本、新加坡、马来西亚和加拿大之间选择。这些国家对首次申请wise卡的个人用户提供国际快递服务。也就是说,如果你没有国外地址,又不想用转运服务,可以填写国内地址直邮回国。
关于地址:填写这个地址是不需要居住证明的,所以可以借助Google地图。我则是填了一个英国转运仓库的地址。另:居住地址和邮寄地址都是单独填写的,不用担心无法更改。
3、申请银行卡
点击“申请一张新卡”,按流程走完即可。
虚拟卡即刻就可以开通,如果是实体卡,可以留意以下几点:
- 实体卡分为普通卡和环保卡,普通卡2.5英镑,环保卡4.5英镑。其他国家汇率有差别,但价格差别不大。
- 邮寄方式分为平邮和快递:平邮免费,快递一般是DHL。平邮到国内容易丢件,建议选快递。因为我走的是转运,如果直邮价格过高,可以考虑转运。
- 虚拟卡和实体卡都可以绑定支付宝/微信/Apple Pay/Google Pay等。没有“数码收藏癖”的朋友,其实用虚拟卡就好了,省心省钱。
据说Wise实体银行卡绑定支付宝后首次消费,会要求提供实体卡照片验证真实性……这些只有等实体卡寄到后再说了。这些常规问题其实无须担忧,只要你用真实信息申请,合法合规用卡,万事都有客服可以解决。
想要注册wise的朋友可以考虑下我的邀请链接,这样我们双方都有汇款优惠,双赢~
- Wise:注册链接
整理的一些工具,需要的可以看看
一、创建纯净的网络环境
1、指纹浏览器: 注册链接, 邀请码:u73626Nx
2、住宅IP:注册链接
3、让国内手机支持eSIM: 注册链接 优惠码:playsoul
二、可用护照申请的境外银行卡
1、Wise:注册链接
注册和入金教程:https://dlj.playfulzone.top/6tuvu4
2、N26:注册链接 邀请码:jinglonj3130
三、数字货币交易平台
1、币安:注册链接
2、Bybit:注册链接 邀请码:R3PMVVV
四、自用VPS
1、无限流量
2、10美元3T流量
3、优质线路
4、解锁流媒体
五、其他使用工具
个人流媒体拼车(Telegram):@playfulsoulnet
奈飞等流媒体/AI拼车平台:9折优惠码:playful








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