I am a bit surprised, but once you establish a PIN, only who knows what transpires. It is hard to believe that in the same breath of requesting an ATM Card anyone would ask you for the PIN you want to use, AND would not request that once you received the card, you would have to activate. (Almost sounds like your phone had been hacked and they were monitoring your calls or your access to WISE's internet connection, at least the ones that provided them insight into your financial transaction, bank, Wise, etc.)
At least in the USA, once one requests a card, the bank sends you a separate letter with their defined PIN. Most times the PIN letter arrives before the card. Once you get the card, you have to contact the bank using the phone number (or an internet address) provided to activate the card. Then, if you want, you can change the PIN, but you have to use the original PIN they sent you for that initial access.