Wizink card review: Advantages & disadvantages

Are you a traveller who prefers managing your finances entirely online? Then a digital bank is the choice for you. At Holafly, we bring you the WiZink card reviews so you can evaluate, with insights from experts, whether this digital financial service will be your loyal companion on your next trip.

Join us to see real testimonials about the WiZink credit card, its various products and uses, coverage and acceptance, as well as other features, advantages and drawbacks that may affect its appeal and influence your decision.

What is WiZink?

WiZink is a digital bank specialising in credit and savings products, mainly operating in Spain and Portugal. Founded in 2016, WiZink evolved from Banco Popular to offer simple and accessible financial services.

Its 100% online model allows users to manage accounts, cards, and deposits from the website or app, without visiting physical branches.

The core of WiZink’s business is its credit cards, designed to provide flexible payment options and meet diverse consumer needs.

Policies and operations

The WiZink card reviews highlight that they have no issuance or maintenance fees, and most services, such as deferred payments and transfers, are managed digitally.

WiZink cards are accepted worldwide, making them a viable option for travellers. However, it’s essential to consider that currency conversion fees may apply outside the eurozone.

Which WiZink cards are available for travellers?

WiZink offers several useful products for flexible credit payments to plan purchases during your trip. Check below to see if they suit your needs.

WiZink Click

This is an interesting option for travellers needing deferred payments. It allows splitting purchases between €85 ($92) and €1,000 ($1,080) over up to three months with no interest or fees, useful for unexpected expenses outside your travel budget.

WiZink Now

This credit card lets you choose the payment date and adjust instalments according to your needs. It includes basic insurance services, although not specialised for travel.

WiZink AliExpress

Designed for AliExpress shoppers, it offers exclusive online benefits such as platform discounts, no maintenance fees, and the ability to split large purchases into convenient instalments.

WiZink Cepsa

This card is for travellers driving in Spain, focusing on regular drivers and offering significant benefits at Cepsa service stations. However, it doesn’t provide extra benefits abroad.

What is Aplázame?

Aplázame is a flexible payment service integrated into WiZink cards, allowing purchases to be split into instalments. This service is ideal for deferring large expenses, such as flight bookings, accommodation, or major purchases during travel. However, interest applies, so it doesn’t reduce direct travel costs or remove international fees.

Comparative table of WiZink cards and services

Limitations of WiZink Cards for Travellers

Despite their benefits, the opinions on the WiZink card reflect some areas for improvement for frequent travellers:

1. Lack of travel insurance: Most competitor cards include coverage like flight cancellation or medical assistance abroad, which WiZink doesn’t offer by default.
2. Foreign currency fees: Although their rates aren’t high, it’s important to note that charges may apply when using it outside the eurozone.
3. No global loyalty programs: Although WiZink offers rewards, these are limited in scope and value compared to programs like Avios points or similar.

WiZink Card Features

As you’ve seen, WiZink cards are credit options that, while their benefits are limited, wouldn’t be a bad idea to have a “plan B” for any unforeseen event during your trip, a quick solution at the click of a button.

In general terms, these are the qualities you should keep in mind based on the opinions on the WiZink card:

1. 100% digital management: All operations are carried out via the WiZink app or website. You can control payments, limits, and transactions from anywhere.
2. No issuance or maintenance fees: WiZink cards have no costs for issuing or maintaining them.
3. Flexible payments: You can choose to pay the full balance or monthly instalments, with the option to adjust payment terms according to your needs.
4. Associated benefits: Some models, like WiZink Click, allow you to defer large payments without interest.
5. Integrated security: It includes advanced protection tools such as real-time alerts and free insurance for purchases and accidents.

WiZink Card Fees and Commissions

ATM cash withdrawal fee

With the WiZink card, you can withdraw cash without fees at a limited network of ATMs in Spain such as Banco Santander. These ATMs do not charge for cash withdrawals, but if you use other banks’ ATMs, a commission set by the ATM owner applies, usually displayed on-screen before confirming the transaction.

If you plan to use the WiZink card abroad, you should also consider currency conversion fees, usually around 3% of the amount withdrawn or spent in foreign currency.

Interest on deferred payments (APR)

The WiZink card allows deferred payment of purchases through revolving credit. This means you can split payments into monthly instalments, but these are subject to interest, known as APR (Annual Percentage Rate).

In cards like WiZink Click, it’s possible to defer smaller payments without interest, but only on specific purchases within set limits.

Currency conversion fee

When using your WiZink card in countries outside the eurozone, any transaction converting your balance in euros to another currency carries an additional fee of around 3% of the total amount.

For example, if you make a $100 (€90) purchase outside the eurozone, with an exchange rate equivalent to €90 ($100) at that time, you would pay:

• €90 ($100) for the purchase.
• An additional 3% of €90 ($100), that is, €2.70 ($3.00).

WiZink card advantages and disadvantages

Now, let’s look at the pros and cons of acquiring a WiZink service to evaluate whether it’s the best option for travel:

WiZink card advantages and disadvantages

How to Apply for a WiZink Card

Applying for a WiZink service is a task you can do from home or anywhere within reach. We explain in four simple steps how you can complete it:

1. Access the official WiZink website (or download the app): Go to WiZink.es and select the card that interests you the most.
2. Complete the online form: Once you choose a product, fill out a form with personal information such as your name, address, email, and identification number.
3. Verify your identity: During the application process, you will be asked to upload documents to verify your identity. This includes an ID document and proof of income, such as a payslip or tax declaration.
4. Wait for approval: After submitting your application and documents, the bank will review your information. If approved, you’ll receive the WiZink card at your home in a few days.

Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍

User Experience and WiZink Card Opinions

At Holafly, we’ve already discussed the features, advantages, and disadvantages of this service. Now, we show you testimonials about other users’ experiences with various aspects of this product.

According to opinions analysed on sites like Trustpilot, WiZink card reviews vary, with both positive and negative experiences.

The WiZink card reviews highlight its wide acceptance at establishments, both in Spain and abroad. Regarding cash withdrawals, despite fees, the card remains useful for emergencies and unexpected expenses.

Users also value its ease of opening an account and making credit payments, although some wish the process to increase credit limits were faster and deferred interest lower.

Regarding security, WiZink card reviews are positive thanks to real-time alerts and free insurance, although limited for certain purchases and accidents.

Alternatives to the WiZink Card

If you prefer credit cards with global acceptance and flexible payments, the WiZink card could be your travel companion. However, if you need comprehensive coverage and exclusive benefits for frequent travellers, it’s worth exploring more specialised alternatives.

N26:

A digital bank with debit cards notable for low currency exchange fees and an intuitive app. Ideal for avoiding extra costs on international payments. See the N26 card reviews here.

Wise

Specialised in international transfers and payments, Wise digital card allows currency conversion at real exchange rates with no hidden fees. It’s an excellent option for frequent travellers.Review and opinions of the YOU Card for travellers

Vivid

A card combining cashback on purchases with competitive international transaction fees. Its app also allows cryptocurrency investments, appealing to tech-savvy users.

But, wait! Don’t even think about travelling without mobile internet access to your digital bank. With our eSIM, you’ll get unlimited high-speed internet to move your money quickly and safely.

Plan your destination, choose one of our plans, activate your eSIM and stay connected in over 200 countries without worries with Holafly!

Belén Grima

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