Bleap vs Wise (2025): Full Review of Fees, Cashback, Limits, and FX Costs

Bleap is cheaper than Wise for everyday spending, international purchases, and ATM withdrawals. Bleap charges 0% FX fees, offers 2% cashback, and provides a higher monthly ATM allowance. Wise is strong for international transfers but adds conversion fees, fixed fees, card-funding fees, volatility surcharges, and limited ATM usage.

Key Takeaways

• Bleap offers 0% FX, 2% cashback, and higher ATM limits.
  
• Wise includes multiple cost layers: conversion fees, funding fees up to 8.24%, fixed FX fees, and volatility surcharges up to 10%.
  
• For spending and travel, Bleap is significantly cheaper
  
• Wise remains useful for receiving and sending bank transfers.
  

Bleap vs Wise: Summary Table With Explanations

1. Fees and FX Costs

Bleap keeps its pricing structure simple. Every card payment uses stablecoins at real on-chain rates. There are no markups and no hidden spreads. For daily spending, this results in 0% FX fees, even outside Europe.

Wise uses a layered fee model. Each conversion may include:

• A percentage fee between 0.02% and 4.67%
  
• A fixed fee up to 13.81 EUR, depending on currency pair
  
• A same-currency fee up to 10.13 EUR on certain transfers
  
• A volatility surcharge up to 10%
  
• A separate card-funding fee that can exceed 8%
  
  

This means Wise costs scale faster, especially when users top up, convert, or send money frequently.

Verdict: Bleap is significantly cheaper for spending and travel. Wise is better for traditional bank-to-bank transfers.

2. Cashback and Rewards

Bleap offers 2% cashback in USDC on every card purchase. Rewards are credited instantly and have no monthly cap.

Wise does not offer cashback programs.

This difference matters for frequent card users, who gain meaningful returns simply by paying normally.

3. ATM Withdrawals

Bleap provides 400 EUR/month free in ATM withdrawals. After the free limit, a small standard fee applies depending on the region.

Wise offers:

• Two free withdrawals per month
  
• A total of 200 EUR free each month
  
• After the limit: 1.75% of the amount + 0.50 EUR per withdrawal beginning with the third withdrawal
  

This structure makes Wise more expensive for cash-heavy travellers.

4. Funding Your Account

Bleap does not charge any card-funding fees. Adding money through supported methods costs 0%.

Wise applies:

• 0.11–8.24% for debit card top-ups
  
• 0.59–8.24% for credit card top-ups
  

These fees apply when adding money to the Wise balance, topping up e-wallets, or funding international transfers.

5. E-Wallet and Top-Up Costs

Wise charges a 2% fee when topping up external e-wallets or services such as:

• Crypto platforms
  
• Prepaid cards
  
• Gaming wallets
  
• Casino or lottery-linked accounts
  

In many cases, the top-up also triggers an additional card-funding fee, which can bring the total cost close to 10%.

Bleap does not charge for e-wallet top-ups.

6. International Usage

Bleap applies the same fees worldwide: 0% FX, instant cashback, and the same ATM allowances. Payments settle through stablecoins, avoiding dynamic currency conversion and hidden markups.

Wise works well globally, but spending abroad often triggers:

• FX conversion fees
  
• Volatility fees
  
• Potential DCC by merchants
  
• Fixed fees depending on the country
  

For frequent travellers, Bleap results in lower and more predictable costs.

7. Spending Limits

Bleap uses higher, simpler limits suitable for daily payments, online purchases, and travel. Limits scale with the user’s stablecoin balance.

Wise limits vary by country. Examples include:

• India: 70,000 INR per month
  
• Japan: 1,000,000 JPY per transaction
  
• Singapore: 100,000 SGD per rolling year
  
• US: separate daily, monthly, and per-type caps
  

These restrictions can limit usage when traveling or making large purchases.

8. Custody and Technology

Bleap is a non-custodial MPC wallet. Users own their assets, and no seed phrase is required. This improves security and gives full control of funds.

Wise is a traditional custodial service. Funds are held and managed centrally by the company.

For users moving toward Web3 or valuing asset control, this distinction is important.

9. Which One Should You Choose?

Choose Bleap if you want:

• 0% FX fees
  
• 2% cashback on every card purchase
  
• Higher ATM limits
  
• A global Mastercard
  
• Self-custody and Web3 compatibility
  
• Predictable and transparent costs
  
  

Choose Wise if you need:

• International bank transfers
  
• Multi-currency receiving accounts
  

Some users pair them: Wise for transfers, Bleap for spending.

Conclusion

Wise remains one of the best tools for global transfers, but its card comes with multiple fee layers that affect everyday spending. Bleap offers a cleaner, cheaper model built for daily payments, travel, and digital asset control. With 0% FX, higher limits, and 2% cashback, it provides stronger value for most card users.

Start experiencing 0% FX and 2% cashback, get started with Bleap.

FAQ

What is the best card to travel abroad in 2025?

Bleap is the better travel card because it offers:

• 0% FX fees on every payment
  
• 2% cashback on all purchases
  
• 400 EUR/month free ATM withdrawals
  
• No volatility fees, no markups, and no hidden spreads
  

Wise charges conversion fees, fixed fees, card-funding fees, and volatility surcharges up to 10%, which makes it more expensive during trips.

What card has the lowest FX fees?

Bleap has 0% FX fees, with no spreads, no volatility surcharges, and no fixed conversion costs.

Wise applies:

• 0.02%–4.67% variable FX fee
  
• Up to 13.81 EUR fixed fee
  
• Up to 10% volatility fee
  
• Occasional same-currency fees
  

For pure spending, Bleap is consistently the cheapest.

Which card gives the best cashback in 2025?

Bleap offers 2% cashback in USDC, applied instantly and with no limits.

Wise does not offer cashback on any spending category.

Which card is better for ATM withdrawals?

Bleap offers 400 EUR/month in free ATM withdrawals.

Wise offers:

• 2 free withdrawals
  
• Up to 200 EUR free per month
  
• After that: 1.75% + 0.50 EUR per withdrawal
  

If you travel often or use cash frequently, Bleap provides a significantly larger allowance.

What is the best card for online shopping abroad?

Bleap is better for international online shopping because it charges:

• 0% FX
  
• 0% conversion markup
  
• No DCC exposure
  
• Instant cashback
  

Wise applies multiple fees depending on payment method, currency, and volatility.

Does Wise charge hidden fees?

Wise is transparent, but many users are unaware of all its fee layers, including:

• Fixed FX fees up to 13.81 EUR
  
• Card-funding fees up to 8.24%
  
• Volatility surcharge up to 10%
  
• Same-currency fees up to 10.13 EUR
  
• 2% e-wallet top-up fee
  

None of these fees exist with Bleap.

Does Bleap have FX fees or spreads?

No. Bleap uses on-chain stablecoin conversion at real market prices, with 0% FX fees and no spreads.

This makes total costs predictable for travel and everyday spending.

Is Bleap safer than Wise?

Bleap is non-custodial, meaning users control their assets through MPC cryptography.

Wise is custodial, meaning Wise holds your funds on your behalf.

Both are safe, but the models are different:

• Bleap = user-owned funds
  
• Wise = fintech-owned funds
  

Which card is better for everyday spending?

Bleap is generally better for daily spending because:

• No FX fees
  
• Cashback on all purchases
  
• No card-funding fees
  
• Less costly e-wallet interactions
  
• Simple global pricing
  

Wise becomes expensive when top-ups, conversions, and volatility fees add up.

Which service is better for receiving money?

Wise is the stronger option for receiving international payments thanks to its global bank account details (USD, GBP, EUR, AUD, etc.).

Bleap is built for spending, saving, and holding stablecoins, not for receiving bank transfers.

Which card should I use for crypto-related transactions?

Bleap is designed for Web3-native usage, connecting a non-custodial wallet to a Mastercard.

Wise charges:

• 2% e-wallet top-up fees
  
  
• High card-funding fees
  
  
• Possible rejection of crypto-related merchants
  
  

If you operate in crypto ecosystems, Bleap is the more compatible and cost-effective choice.

Can I use Bleap and Wise together?

Yes. Many users do:

• Use Wise to receive or send money internationally
  
  
• Use Bleap to spend, travel, and earn cashback at the lowest possible cost
  
  

This combination reduces fees dramatically compared to using Wise alone.

Which card is better overall in 2025?

For transfers → Wise

For spending, travel, and payments → Bleap

Bleap offers cheaper FX, higher ATM limits, cashback, and a non-custodial wallet design. Wise is best for sending money to bank accounts globally.