Whish Money review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Whish Money suits students and business owners who want a prepaid card with no monthly charge and no conversion fee. It ranks at the top of the 419 brands compared on monthly fee and the 259 compared on currency conversion fee, on a monthly fee of $0.
Key facts
- Best for
- Students and small business owners who want fee free spending and a virtual card.
- Monthly fee
- $0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Free ATM withdrawals
- $0 (Source, checked September 26, 2026)
- Card type
- Prepaid (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Legal entity
- WHISH MONEY SAL (Source, checked September 26, 2026)
- Support channels
- Email, Phone (Source, checked September 26, 2026)
- Features
- Virtual card, Travel
- Audience
- Students, Business
- Official website
- whish.money
Pros and cons
Pros
- A monthly fee of $0, so nothing to pay to keep the account open
- A currency conversion fee of 0%, top of the 259 brands compared on this
- A virtual card for travel, with a prepaid card in the Visa network
- Support by email and phone, both widely offered channels
- Regulated in Lebanon by Banque du Liban
Cons
- Free ATM withdrawals of $0, which leaves it at 41 of the 115 brands compared
- Support runs on email and phone only, without chat or a branch counter
- A prepaid card rather than a debit card, so the money sits with the provider until it is spent
Who it suits
- Students who want a card with no monthly charge to pay
- Business owners who keep spending in more than a single currency
- Anyone who wants a virtual card for travel spending
Who should look elsewhere
- Anyone who needs fee free cash from cash machines, because free ATM withdrawals are $0
- Travellers who want a debit card rather than a prepaid one, where CrediMax Cardy EX prepaid Visa and the JMMB prepaid card are the comparison
- Skrill users who already have a wallet account open
Where it sits among rivals
The rankings it appears in place it at the top on cost. On monthly fee it ranks at 1 of the 419 brands compared, and on currency conversion fee it ranks at 1 of the 259. Free ATM withdrawals tell a different story: it sits at 41 of the 115 brands compared, so the account is cheap to hold and cheap to spend on but thin on cash machine access. A site median of €0 for monthly fee means a fee free monthly charge is common, yet the top spot still carries weight against brands that charge a few dollars a month. The same pattern runs through the conversion fee, where the site median of 1% and an upper quartile of 2.5% leave room above a fee free rate, and through cash machine access, where the site median of €0 sits well below the €118.23 drawn by the upper end of the range.
Fees and currency costs
The monthly fee is $0 on the account, so there is no standing charge for keeping it open. The currency conversion fee is 0%, which is the figure that matters most for anyone spending away from home, since every conversion is made at the card network rate rather than a marked up rate. The cost picture is therefore flat rather than tiered: no monthly charge, no conversion markup, and no account tier that changes either. The account is a prepaid one, so there is no credit balance to carry interest, and the money on the card is the money you have put there. Against a site monthly fee median of €0 and an upper quartile of €0 across the brands listed, a fee free monthly charge is the norm, but a fee free conversion fee is where Whish Money pulls clear of the field. A Skrill wallet, by comparison, charges a monthly fee of €5, while the JMMB prepaid card and the CrediMax Cardy EX prepaid Visa both sit at a monthly fee of JMD 0 and BHD 0.
Using it abroad
Spending abroad costs 0% in currency conversion, and the card runs on the Visa network, so it is accepted wherever Visa is taken rather than on a single domestic scheme. The account also carries a virtual card, which is the feature most used by people who want to pay online or hold a card number they can cancel independently of a physical one. The gap in an abroad budget is cash. Free ATM withdrawals are $0, and a ranked position of 41 among the 115 brands compared on this leaves Whish Money well down the field for cash machine access. Travellers who plan to take money out at the destination rather than pay by card will feel that more than the conversion saving helps. Among travel focused cards the free ATM allowance median is €0 with an upper quartile of €111.75, and the currency conversion median for the same group is 0%.
How Whish Money compares
9.1 vs 9.4
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 9.2
9.1 vs 8.8
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 9.0
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 9.2
9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 9.6
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.8- 9.1 vs 8.8
- 9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.5
9.1 vs 8.3
9.1 vs 8.2
9.1 vs 8.0
9.1 vs 8.0
Where Whish Money is available
- Available
- Canada, Lebanon
- Licence in Lebanon
- Banque du Liban (19/21/22), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Whish Money cost to hold?+
The monthly fee is $0, so there is no standing charge for keeping the account open. Most cards listed on the site sit at a median of €0, so a fee free monthly charge is normal, and a fee free conversion is the part that is less usual.
Is there a currency conversion fee on Whish Money?+
The currency conversion fee is 0%, which places Whish Money at 1 of the 259 brands compared on this measure. The site median is 1% and the upper quartile is 2.5%, so most cards add something to the conversion rate.
Can I take out cash free with a Whish Money card?+
Free ATM withdrawals are $0, and that puts the card at 41 of the 115 brands compared on cash machine access. If you expect to withdraw at your destination, budget for a charge on each withdrawal.
Who regulates Whish Money?+
Whish Money operates under a licence from Banque du Liban in Lebanon, listed as licence 19/21/22. The account runs under the legal entity WHISH MONEY SAL, which is the name on the terms and conditions.
Who is the Whish Money card aimed at?+
The stated audience is student and business, so the card is built for people running a business or studying rather than for a general household account. Students and business owners make up the groups the provider names, and a virtual card is one of the listed features.
What kind of card does Whish Money issue?+
Whish Money issues a prepaid card on the visa network, with a virtual card listed among its features. A prepaid card holds money you have loaded rather than borrowing, and a Visa card is accepted wherever Visa is taken.
How do I get help from Whish Money?+
Support runs on email and phone, so you can reach the team by email or by phone. Phone support is among the more widely offered channels on the site, and the option to call matters if a card is blocked while you are abroad.
Why is a virtual card useful on Whish Money?+
A virtual card is one of the listed features, alongside travel, and it lets you hold a card number for online spending without carrying the physical card. Combined with a currency conversion fee of 0%, it suits bookings and subscriptions priced in another currency.
Sources
- whish.money/about-us checked September 26, 2026
Backs: Support channels
“EMAIL INFO@WHISH.MONEY - Landline +961 1 788 999”
- whish.money/cards checked September 26, 2026
Backs: Currency conversion fee, Card network, Licences
“No Cross Border Fees - Cross-Border Transactions (USD) Free on Whish Visa Card”
- whish.money/faq checked September 26, 2026
Backs: Audience, Features
“The Student Card lets students pay cashless at selected schools”
- whish.money/fees-commissions checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Monthly fee
“International ATM Withdrawal - 2% (min $7 - max $20) on Whish Visa Card”
- whish.money/terms-conditions checked September 26, 2026
Backs: Legal entity
“WOO CASH SAL changed its name to WHISH MONEY SAL in January 2021”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Protection.
Whish Money
Students and small business owners who want fee free spending and a virtual card.