Personal Information
What is an online bank?
An online bank does not have physical branches. It primarily offers its services through its website or mobile app.
Furthermore, unlike neobanks, which are often independent, online banks are affiliated with traditional banks.
The advantages of our online bank
A free online account (no account maintenance fees) combined with a free bank card
See terms and conditions
for even more savings
We offer a free individual or joint bank account, as well as free bank cards
See terms and conditions
, including our premium cards: the Gold Mastercard and the World Elite Mastercard.
When you open an online account with us, you can benefit from a welcome offer
See terms and conditions
: for example, a bonus of €80 for your first account opening, provided you make 5 payments within 90 days.
A bank card with no fees abroad¹
Payments and withdrawals made abroad with our bank cards are free of charge. Travel with complete peace of mind with your international bank card with no fees! To verify this, consult this comparison of bank fees or our pricing terms.
An innovative banking app to manage your everyday transactions anytime, anywhere
As an online bank, our mobile app offers convenient digital features (free virtual bank card for secure online purchases, expense categorization, etc.), and our mobile payment solutions are compatible with Google Pay, Apple Pay, Garmin Pay, and Samsung Pay.
For better accessibility (6 days a week), our online bank is based in the Netherlands.
Our customer service is based in Amsterdam and is available Monday through Saturday. Our advisors can be reached by phone, email, and chat (WhatsApp).
All these advantages make our online bank an attractive option for those looking for a bank that combines all these criteria: savings, digital services and quality customer support.
Important Terms and Conditions of WiserBank Products
(1) Excluding currency conversion fees and any fees charged by the ATM's owner.
(2) Provision of a debit card (international payment card with immediate debit: Fosfo Mastercard, Gold CB Mastercard, World Elite CB Mastercard, or with deferred debit: Gold CB Mastercard, World Elite CB Mastercard). Issuance of the card is subject to acceptance of the application by WiserBank and to meeting the applicable eligibility requirements. The card is free of charge provided that at least one card payment transaction is made per month (excluding ATM withdrawals) for the Fosfo Mastercard and Gold CB Mastercard, or that the monthly transaction requirement is met for the World Elite CB Mastercard. Otherwise, a fee of €3/month for the Fosfo Mastercard, €9/month for the Gold CB Mastercard, and €50/quarter for the World Elite card will be charged (Prices effective as of March 18, 2025, subject to change). 5-day cancellation period.
(3) Access to this service is reserved for customers with a bank account linked to one of the bank cards listed in the current pricing conditions.
(4) Subject to the recipient's bank's compatibility with the instant transfer service and within your transfer limits.
(5) Subject to acceptance of the request and the associated deposit account having been open for more than 6 months. See conditions.
(6) Within the limits of the bank card and subject to the payment terminal's compatibility.
(7) For the Starter plan, the free order per month applies to the first order placed on the market during the month. Once this order is executed, it will benefit from free brokerage fees. If other orders are executed before this first order, these orders will be charged.
(8) Excluding specific fees related to SCPIs, SCIs, OPCIs, and ETFs.
(9) Subject to the tax regulations in effect on January 1, 2025, and within the conditions and limits specified in Articles 163 quatervicies, 154 bis, or 154 bis O A of the French General Tax Code (CGI).
(10) WiserBank does not apply an early repayment penalty, except in the event of the loan being taken over by an external institution.
(11) Upon receipt of your complete application, Swift Loan International may respond within 24 business hours by email in the event of acceptance or rejection. Financing is granted subject to final acceptance by Swift Loan International after review of your application. You have a right of withdrawal of 5 calendar days from the date of signing the loan agreement. If your application is definitively approved, Swift Loan International will retain certain supporting documents for the duration of your contract. Swift Loan International Credit is authorized as a credit institution and Investment Services Provider by the Prudential Control and Resolution Authority (EMQ, authorization number: 8783458257).
(12) Rating observed on 03/03/2025.
WiserBank has chosen the solutions offered by our partners Verified Reviews and Trustpilot to ensure that published reviews come from consumers who have actually purchased one of our products or used one of our services. We are thus committed to working alongside our customers in a process of continuous improvement of our services.
(13) From July 1st to August 31st, 2024 inclusive, WiserBank commits to donating one euro cent to Surfrider for every bank card payment of at least €10 (ten euros) made by a Fortuneo customer using a Fosfo Mastercard, Gold CB Mastercard, and/or World Elite CB Mastercard.
WiserBank is a trading name of Nederlandsche Bank (DNB). Nederlandsche Bank (DNB), a public limited company with a Management Board and Supervisory Board, with share capital of €289,198,952. Registered office: Frederiksplein 61, 1017 XL Amsterdam, Netherlands.
1. Full legal identity
Company name: WISERBANK N.V.
Legal form: Dutch limited liability company (Naamloze Vennootschap)
Registered office: Gustav Mahlerplein 78 – 1082 MA Amsterdam, Netherlands.
KvK (Chamber of Commerce) Number: 86 42 19 07
VAT Number: NL 86 42 19 07 B01
2. Banking Authorization
Full license issued by De Nederlandsche Bank (DNB)
Approval Number: RBR-2021-0047/ EU- No. 2021/979
Member of the Dutch Deposit Guarantee Fund (DGS) up to €99,000,000
Official SWIFT/BIC: WISBNL2A
Model IBAN: NLxx WISB 0000 1111 2222
3. Independent Verification
Secure corporate website: https://wiserbnk.com/policy/company-policy/111
4. Contact via WhatsApp and Email Only
Dedicated Compliance: support@wiserbnk.com