Can I Buy USDT with Wise?

No, you cannot buy USDT (Tether) directly through Wise. Its Acceptable Use Policy prohibits sending money to exchanges, funding crypto wallets, or using accounts for digital asset transactions. This applies to both personal and business users, and attempts may result in blocked payments or account closure.

The one exception is the Wise debit card, which can be used to make purchases on exchanges that accept card payments, provided the transaction is legal in your country. This does not mean Wise supports crypto; it only processes the payment like any other card purchase.

If you want to buy USDT, you’ll need to use regulated exchanges that support alternative payment methods such as bank transfers, debit or credit cards, and peer-to-peer (P2P) trading.

How to Buy Tether (USDT) with Wise

Based on our testing, the most effective way to buy USDT with Wise is by using the Wise debit card on Bybit, one of the largest regulated exchanges serving 160+ countries. 

Bybit lists more than 2,000 cryptocurrencies, including USDT, and provides yield opportunities for stablecoin holders, making it a strong choice for investors who want liquidity and additional earning options.

Step-by-step guide to buying USDT with Wise on Bybit:

1. Create an Account: Sign up on Bybit and complete KYC verification to unlock trading and deposits.
2. Enter Amount and Currency: On the One-Click Buy page, choose your local currency (USD, EUR, GBP, etc.) and the amount you want to spend. Bybit will display the USDT equivalent.
3. Select Payment Method: Choose debit card and enter your Wise card details.
4. Confirm Purchase: Review the order and confirm. The purchased USDT is credited to your Bybit wallet instantly.

Wise’s USDT Policies

Wise does not support direct transfers to buy or sell USDT, but its debit card can process payments on exchanges that meet regulatory standards. Whether a transaction succeeds often depends on the exchange’s licensing and compliance framework rather than Wise itself.

In the European Union, this typically means operating under the upcoming MiCA regime overseen by the European Securities and Markets Authority (ESMA). In the United States, exchanges require a FinCEN Money Services Business (MSB) registration. In the United Kingdom, authorization from the Financial Conduct Authority (FCA) is key.

For Wise users, this means card purchases of Tether are only viable on platforms that enforce identity verification, anti-money laundering checks, and lawful use of funds. Licensed exchanges that meet these conditions are the ones most likely to accept Wise payments.

Best Alternative Exchanges for Buying USDT with Wise

If Bybit isn’t available or doesn’t meet your needs, these regulated exchanges also support debit card payments for USDT purchases with Wise:

• Binance: Lists USDT alongside 400+ cryptocurrencies with deep liquidity and fees from 0.1%. Supports multiple payment options, including debit/credit cards, bank transfers, and P2P trading, making it accessible for Wise users.
• OKX: Offers USDT with 300+ assets and spot fees of 0.08%–0.1%. Features advanced trading tools, a simple interface, and strong custody protections. Accepts deposits through debit cards, bank transfers, and other local methods.
• BloFin: A no-KYC exchange, allowing users to trade USDT with more privacy. Lists 450+ cryptocurrencies and futures up to 150x leverage. Maintains 1:1 proof-of-reserves and transparent audits. Accepts debit card payments, with spot fees at 0.1% and futures at 0.02% maker / 0.06% taker.

Compare fees, payment methods, supported assets, and security features to choose the most efficient exchange for buying USDT with Wise.

Wise to USDT Fees

When using Wise to buy USDT on Bybit or another exchange, it’s important to consider all costs. Based on our testing, here’s the breakdown:

• Deposit Fees: Bybit does not charge for debit card deposits, but Wise card payments are processed as standard card transactions, usually adding a 2–3% processing fee.
• Withdrawal Fees: Fiat withdrawals from Bybit are free. USDT withdrawals to external wallets incur a blockchain network fee that varies depending on the chain (Ethereum, Tron, BNB Chain, etc.).
• Trading Fees: Instant buy orders for USDT carry a 1% fee. Standard spot trades involving USDT are 0.1%.

Bybit’s fee structure remains competitive, with trading costs lower than many exchanges where charges can exceed 2% before adding card processing fees.

Wise Deposit Limits for USDT

When buying USDT with Wise, the restriction comes from Wise’s card payment limits rather than the exchange. Wise caps debit and credit card payments at $2,000 per transaction, with a daily limit of $2,000 and a weekly cap of $8,000.

Most exchanges allow much higher daily deposits, often $10,000 or more. For larger USDT purchases, Wise users must split transactions across several days or use multiple exchanges that accept Wise cards.

Higher-value transfers through ACH, SWIFT, or wire are supported by Wise, but these cannot be used for crypto because of Wise’s policy. For buying Tether, only card payments apply.

About Wise

Wise is a London-based fintech serving more than 16 million customers worldwide. It is best known for low-cost international transfers, a multi-currency account that supports over 40 currencies, and a debit card that works in 150+ countries. 

Customers can also receive local bank details in major currencies like USD, GBP, EUR and AUD, making it easier to get paid globally. For businesses, Wise offers bulk payouts and dedicated accounts, positioning itself as a practical alternative to traditional banks for cross-border payments.

Final Thoughts

Wise does not directly support cryptocurrency, but its debit card offers a practical way to buy USDT on licensed exchanges like Bybit, Binance, OKX, or BloFin. 

The key for investors is to factor in card limits, fees, and compliance requirements when planning purchases. If you need larger allocations, splitting transactions or using multiple exchanges may be necessary. 

Always choose platforms that are regulated in your region to ensure secure access to Tether.