Wise (formerly Transferwise) is a fintech company with a vision to make international money transfers cheap, fair, fast and simple. Since 2011, Wise has accompanied over 10 million people and businesses using their product and loving it. I am one of them.
If you have been using services like Western Union and Moneygram but are hearing about Wise for the very first time, you are in for a treat because once you start using it, you will not go looking for something else.
The amount of money you save on transaction fees alone is absolutely remarkable. On top of that, you can hold multiple currencies on your Wise account, meaning if your client from the UK wants to send you money in GBP, you will receive it instantly on your Wise account as if they are sending it locally. You just have to send them your Wise GBP account information. The client does not have to deal with hefty fees either, in most cases zero.
You can then send money to your local bank in your local currency whenever you like with a very small fee. Wise does not take cuts from exchange rates like how the other money transfers do. What you see on Google is what you get, sometimes at an even better rate.
Sending and receiving money from one Wise account to another is a breeze and the transaction speed of sending it to the local bank account is around 12- 24 hrs excluding business days.
If you deal with international payments, using Wise, is really, a very wise thing to do. You definitely should sign up.
The Wise Borderless Card Redesign:
Wise launched their borderless account card back in 2018 and introduced a bright green debit card as shown below which allows you to spend money like you normally would with any debit card.
Apple introduced the Apple Card back in 2019 with probably the most minimal design with just a name and a logo on it.
I like Apple products a lot so comparing Apple Card to o̶r̶a̶n̶g̶e̶ ̶c̶a̶r̶d̶ Wise Card was a fairly obvious thing to do for me. What got my attention was seeing the microchip on the right side of the card instead of the left.
I had limited knowledge regarding debit cards apart from knowing how to use it of course. So I did a little research and found that the position of the chip on cards is universally positioned which I had not paid attention to before.
What Apple essentially did was flip the text and the logo upside down to make the chip appear on the right side of the card instead of the traditional left.
The genius of the Apple Card is more in how it feels physically and the sense of privacy it provides.
With traditional cards, people usually only show them to limited people and hardly ever share them on social media because they would only be three digits away (CVV) from sharing their complete card information with the public.
Since there is no information other than the cardholder’s name on the Apple Card, people comparatively feel more comfortable flexing that sleek titanium sheet on social media.
I wanted to redesign the Wise Borderless Card with a modern yet clean look without going Apple-like minimal. I wanted to preserve all the information.
I started with a simple wireframe keeping the position of the chip in check and started designing around it.
I took a bit of inspiration from Glassmorphism and 3D, took references from other debit cards and used Wise’s brand guidelines for typography and color.
After spending a few hours, I came up with the following:
” But why the hell is the QR code in there? ” is one of the possible questions I could get asked, which is a fair question. It is a common behavior that people open their wallets, take out their cards then enter information manually on their phones or computers.
To eliminate the latter part of the process, I wanted the QR code to copy the 16-digit code on the clipboard. It is easy to remember dates to enter but not as much to remember 16-digit long number.
So when the QR code is scanned with an iPhone/iPad, this would not only allow them to paste on that device but also on their Macs instantly. It is no different for Androids. But for Windows or Linux users, showing the card to the webcam might do the trick.
This might make life a bit easier for most people who do not yet save their card information on a password manager.
PS: Use a password manager.