个人账户（国内）办理不了虚拟卡，消费特别不方便，充进去的钱只能用高昂手续费体现。
企业账户（国外）不敢办理虚拟卡怕被封号，而且需要先充值20英镑进去才行，这谁敢呀，冲进去就封号就尴尬了。
国外账户能扫码消费，但是我的钱也不敢转国外账户怕被封号只能硬着头皮体现。
想方设法搞张银行卡上去提现才降下去，人民币账户提现手续费50多左右，英镑提现0.33英镑，港币必须是香港银行卡，目前不敢提现我的卡是国内银联的。
If you deposit funds using RMB, the fees are the highest, but if you go through some foreign European banks, there’s basically no fee at all. If you have a Hong Kong card, you can also deposit, and the fees are very low. Domestic accounts are mainly used for withdrawing funds elsewhere, and then you can exchange them into Hong Kong dollars for spending.
我没有国外的卡，包括港卡
为了拿卡开wise的就别开了
吸取经验 
确实入金和提现手续费确实很高
涨知识了
别人都是用来走资的，没人用来消费的。
这个卡最大的用处是换汇
很到位
wise开户审核要多久? 我好几天了还没过
Some Hong Kong-issued Visa cards are actually pretty easy to open; you can check them out on YouTube.
No passport, no chance to go to Hong Kong, and even ZhongAn requires an entry and exit ticket.
There was a time when I really wanted to open this type of card, but then I looked into all the pitfalls.
After learning more about the downsides, I gave up right away. I think using a domestic Visa card is good enough—it’s not like you need a foreign card for everything.
Wise is pretty good—it tells you in advance about anything you’re applying for.
Wise is mainly valuable as an account, with convenient currency conversion.
If you’re only getting it to get things for free, I still wouldn’t recommend it. Everyone places a lot of importance on this account.
A £20 top-up is just way too much — if the account gets banned after I load it, that’s a major loss.