- 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
你用的是什么转运？
已经不能用了。当时转运公司已经发现很多人转运银行卡，我赶在发通知前运回国的。后面只要有，就直接销毁了。网上有教程，用教程中的转运会比比较好。
也有一些人直接就寄国内了……
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