The money is in the account when I tried to take money in sri lanka I put my card in ATM machines it asking which account do you want money from saving, credit or credit card. While Wise card doesnt have this things .I tried all of them but it was declining declining. I tried many different banks but result was the same. Unfortunately I have use my own bank card.I suggest forget about WISE card its not working out of EU. You have go from one ATM to another which one might work if lucky.