Wise Limits in New Zealand: Full Guide [2026 Updated]
Wise is a global specialist in international payments, currency conversion and multi-currency account and card services. New Zealand customers can open a Wise account online or in the Wise app, either as an individual, a freelancer or a business owner.
With Wise it’s simple to send money to 140+ countries with the mid-market rate and low fees, to receive payments in 8+ currencies with local account details, and to hold and exchange 40+ currencies in a Wise account. You can also get a Wise debit card for simple spending and withdrawals.
This guide walks through the Wise limits that apply when you hold, transfer, spend or withdraw money. Let’s dive right in.
Wise quick summary
- ➡ Wise money transfers are subject to limits that change based on the specific currency and your chosen payment method.
- 🎯 Wise features high limits across its services, providing a secure setup for holding and sending large amounts.
- 💰 Wise accounts allow customers in New Zealand to usually hold an unlimited amount of money with no holding fee.
- 💳 Wise cards operate with boundaries based on the type of transaction you make, all of which can be monitored and updated instantly online or in the app.
| Overview of limits in New Zealand 🇳🇿 | |
| 🚀 Wise transfer limit per day | Generally up to the equivalent of 1 million GBP, depending on how you fund the payment. |
| 🗓️ Wise transfer limit per month | High thresholds exist to accommodate large payments. These vary slightly depending on your chosen currency and payment method. |
| 💳 Wise card limit per day | 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. |
| 🏧 Wise card withdrawal limits | Set to the same level as your monthly allowance by default, with easy adjustment options via the app. |
| 💰 How much money can I hold in my Wise account? | Personal customers in New Zealand can hold an unlimited balance with no ongoing fees. |
*Information correct at time of writing – 14th June 2026
Does Wise have limits?
Wise customers can open flexible multi-currency accounts which allow them to hold 40+ currencies, send payments to 140+ countries, and spend with a Wise card in 150+ countries.
Wise has a few limits on how much customers can send and spend from their account. These limits apply for security reasons, and to help keep customers’ accounts and funds safe.
Generally, the limits in place with Wise are set at a fairly high level to allow customers to transact safely for themselves and their businesses – but it’s still well worth double checking the Wise limits which may apply to your account if you’re planning on making a high value payment or large purchase soon.
Wise transfer limits
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.
Let’s take a look at the Wise money transfer limits by payment type and currency:
| Payment Type | Wise Transfer Limit |
|---|---|
| Bank transfer | 2.2 million NZD |
| POLi | 5000 NZD |
| Debit / Credit card | 3000 NZD |
*Information correct at time of writing – 14th June 2026
| Currency you’re sending to | Wise sending limit (per transfer) |
|---|---|
| USD 🇺🇸 | 1 million USD by local transfer |
| GBP 🇬🇧 | Up to 20 million GBP depending on payment type |
| EUR 🇪🇺 | Up to 20 million EUR when paying from your Wise account |
| CAD 🇨🇦 | Up to 1.5 million CAD by online bill payment and wire transfer |
| AUD 🇦🇺 | Up to 5 million AUD when paying from your Wise account
|
*Information correct at time of writing – 14th June 2026
Wise account limits ⏳
Generally, there is no limit to the amount of money you can receive or hold in your Wise account in New Zealand. Keeping large balances or managing multiple currencies is usually unrestricted, and you don’t have to worry about ongoing holding fees either.
The only real exception are Wise accounts issued elsewhere inthe world. If you’re not a Wise New Zealand customer it’s worth checking the online terms and conditions for your specific account for more information.
Wise account receiving limits ⬇️
If you use your local USD account details to receive money to Wise, and your routing number starts with 026, limits on how much you can receive apply as follows:
- Per transaction and per day – personal customers can receive 20 million USD, business customers can receive 50 million USD
- Per year – personal customers can receive 35 million USD, business customers can receive 150 million USD
USD accounts which have different routing numbers can receive unlimited amounts – and as you can see, even if your account is subject to a limit, the level is set very high for both personal and business customers.
💡 Writer’s Tip: When sending money to someone else’s Wise account, always ask them to confirm if their routing number starts with 026. Knowing this in advance prevents delays on massive corporate transfers, ensuring your funds clear smoothly.
💳 Wise card limits
You can order a Wise card which is linked to your Wise account. There’s a one time fee to get your card, and then no ongoing costs. You’ll just need to top up your money in NZD and you can spend in 150+ countries globally. Either switch to the currency you need in your account in advance – or let the card automatically convert for you when you buy something if you prefer.
Wise cards have built-in limits for security, but you can change the default settings at any time to match your needs. Both daily and monthly limits apply to your spending and withdrawals. Daily limits refresh each day at midnight, while monthly limits restart on the first day of each calendar month. Wise sets the default so that your monthly limit is the same as your daily limit until you choose to adjust them.
We’ll look at how to change your limits, next.
How to change spending limits on Wise card 🔍
If you’re not happy with the default limits it’s easy to change them to suit you – just log into your account on the Wise app or desktop site.
In the Wise app:
- Open the app and go to the Card tab – tap Limits
- Choose the limit you’d like to change – spending or ATM withdrawals – and tap on Change your spending limits
- Enter your chosen limits and tap Save
On the Wise website:
- Log in and go to the Cards tab on the left hand side of the screen
- Choose the limit you’d like to change – spending or ATM withdrawals – and tap on Change your spending limits
- Enter your chosen limits and tap Save
How to check Wise card limits
You can view your Wise card limits, and see how much you have left on any particular limit, by logging into your Wise account online or in the app, and tapping the Cards tab.
Wise Business limits for account & card
You can open a Wise Business account for your company, and order a linked debit card for yourself, and expense cards for your team members. That can make international business spending easier, cheaper and simpler to manage.
There are limits to how much you can spend or withdraw with a Wise Business account. The limit is set according to the country your business is registered in.
Wise Business cards spending limits
Wise Business debit and expense cards use multi-layered spending and withdrawal limits to keep company funds safe. Instead of a single rigid cap, the system uses three different layers to give you precise control over team expenses.
The limits work together depending on who holds the card and how the account is set up:
| Limit type | What is covers | Who manages it | Flexibility |
|---|---|---|---|
| Account limits | Total overall spending and withdrawals across the entire business | Account owners or authorized team members | Mandatory |
| Cardholder limits | Total amount an individual team member can spend across all their assigned cards | Account owners or authorised team members | Optional for owners but mandatory for other team members |
| Limits per card | Maximum spending allowed on one specific plastic or digital card | The specific cardholder | Optional |
How the limits reset: Daily allowances refresh every night at midnight, while monthly allocations reset on the first day of the calendar month.
Wise Business expense card limits 🏧
You can issue Wise Business expense cards to team members who need to spend on behalf of the business. To make sure you’re still in control of the account, you can set spending limits for each member, which the individual can then view in the Wise app.
You can also choose to limit the amount any team member can take out of ATMs, or block a card or cards temporarily to allow you to control your business cash flow more easily.
How to check Wise Business limits
You can view your Wise Business card limits, and see how much you have left on any particular limit, by logging into your Wise account online or in the app, and tapping the Cards tab.
If you have issued Wise expense cards to team members they’ll be able to see their own limits within the app but can not access any sensitive details unless you’ve given permission within the multi-user access function.
🎯 Conclusion: Does Wise have limits?
Wise accounts let individual and business customers in New Zealand hold, send, spend and exchange currencies conveniently and with low fees. There are a few Wise limits which apply to some services and transactions, set for security, and to make sure customer accounts are kept safe.
Generally, Wise transfer limits are set very high, at the equivalent of around 1 million GBP per payment. This is to allow individual and business customers to transact freely. There’s also usually no limit on the amount of money you can receive into your Wise New Zealand account using local account details, and 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
*Information correct at time of writing – 14th June 2026
- Wise Card Spending Limits – Wise card spending limits and ATM withdrawal descriptions
- Wise NZD Transfer Guide – Guide to NZD 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
