Wise  Reviews 287,910

Not sure how they can charge a 1% dynamic charge for currency fluctuation when the currency has not even moved 1%. Even worse is how you cannot say I don't need a guaranteed rate, just send the money and settle it at whatever the market rate is at that moment.

Cheap prices, low-end quality at those prices. Complete trash.

I am very thankful to you

Really quick, cheaper and faster than the bank, they told you 4 hours, but in less than 1, the money is there. Great company and trustable. 100% recomendable

The fact that you have to pay for a same currency transfer from wise to your own bank account of money that you received (which already was paid for by sender) is criminal. Customer support was completely useless with this issue. Lost all my trust.

I am utterly appalled by Wise's handling of my case and would strongly warn anyone dealing with large transfers to think twice before using this service.

A transfer of USD 20,000 was sent to my account but could not be deposited due to currency restrictions in my country. Simple enough — the funds just needed to be returned to the sender in the US. Wise themselves confirmed they are holding the money in their banking system.

What followed was a nightmare. I spent hours on the phone and online, including until 6am, just trying to get this resolved. I received three completely contradictory timelines from three different agents:
- Agent Soundaraya: 1 business day
- Agent Edith (in writing): 1-2 business days
- Agent Juan (in writing): 2-10 business days

Not only are they holding USD 20,000 that does not belong to them, but they are also charging fees for a transfer that was never completed and a service that was never delivered.

This is not a complex case. The money is sitting in their system. The sender is waiting in the US. Yet Wise seems incapable of simply pressing a button to return it.

I have now escalated this to the FCA. I sincerely hope no one else has to go through this.

I already left a detailed review. This is an update. It gets worse.

Wise completed their investigation. Here is what that investigation actually consisted of: they contacted the other party, accepted their version of events, and closed my cases. That is it. No meaningful research. No due diligence. Nothing.

I reported a serious cybersecurity vulnerability that directly contributed to my situation. Wise closed the ticket without asking me for a single step to reproduce it. Not one question. Closed. Done. That vulnerability potentially affects every Wise user reading this right now. They do not know. Wise did not investigate it and did not disclose it.

I had to research the other party myself. As the victim. What I found in minutes was something Wise should have found before they ever took that person's side. That person is involved in illegal activities, has committed serious crimes against me, and is in direct and explicit violation of Wise's own Terms and Conditions. There are possibly other victims already. And there will be more, because Wise has made it abundantly clear that there are no consequences for using their platform to facilitate criminal activity. As long as you tell a convincing story, Wise will side with you. This is who Wise chose to believe over a vulnerable customer who came to them for help. I am speechless. They never looked. I did their job for them.

Wise assigned me to their Extra Care Team, putting in writing that they recognised I was a vulnerable individual. Their Complaints Team then ruled against me anyway. The Extra Care Team exists to make you feel heard. It does not exist to actually help you.
This is what Wise calls an investigation. Contact the other side. Accept their story. Close the case. Send a template. Move on.

And then leave a vulnerable person, already dealing with an extraordinarily difficult personal situation, to carry the weight of their failure. The mental toll of fighting this battle, of being dismissed, of being disbelieved, of watching a regulated financial institution defend a person who violated their own Terms and Conditions and committed serious crimes against me, is beyond anything that should be acceptable. It is not just bad service. It is inhuman. It is disgusting. And it has caused me genuine and measurable harm to my already fragile mental health.

A pattern that every Wise user needs to be aware of.

I am not alone in this experience, and not just in the way I have described above. A simple read through Wise's Trustpilot reviews reveals a deeply troubling pattern. Legitimate businesses, people with real transactions, real customers, and real livelihoods, have had their accounts closed without warning and their money withheld, sometimes for months, sometimes permanently. People denied because they did not have a website. Sole traders locked out with no recourse. Hard working individuals left without their own money whilst Wise hides behind compliance language and process.

And yet here we are. An account being used in connection with illegal activities, flagged and reported, supposedly under investigation, and nothing happens. The account remains active. The money is gone. The victim is told it is a civil dispute.
How does this happen? How can Wise close the accounts of legitimate business owners and withhold their funds, whilst simultaneously defending individuals who demonstrably violate their own Terms and Conditions and use their platform to facilitate criminal activity? What does that say about Wise's priorities? What does that say about who they actually protect?

I have six months to go to the Financial Ombudsman. I have documented everything forensically. Every email, every closed ticket, every unanswered question, every inconsistency. Nothing has been deleted.

Wise is not a bank. You have no real protection. And when something serious happens, they will do the bare minimum, dress it up as a thorough investigation, and hope you go away.

Shameful. Inhuman. Despicable.

Fast transfer

Using Wise for international transfers for the past three years and I'm quite happy with their service!

semplicity, fast

Works properly and fast

It is not easy to pay with an international credit card in India. But when it was possible it was easier than the handling with my Visa card I had with me too.

I tried to transfer my savings from my Wise account to another UK bank account, and suddenly my account was restricted and I was logged out from all devices without warning. This happened while I was on a trip, which made the situation even worse.

Because I couldn’t access my money, I ended up having to cancel my trip altogether. The lack of communication and support during that time was unacceptable.

In my experience, they have no problem receiving your money, but as soon as you try to move it elsewhere, you may run into restrictions that leave you stuck without access.

I do not trust them and would not recommend using Wise based on what happened to me.

Account is hacked more then a month ago. Hacker placed his own phone number on the account so we can not restore or even enter our own account. WISE doesn't do anything. We are a month further and we have to file lawsuits against them in London. Be wise, don't use wise.

Very easy to use, add money instantly, small commission charges.
Just so simple and convenient.

This app is hopeless. I know a number of people who have had similar issues as myself. I tried sending money to a friend in Thailand via my bank. I got notification the money was transferred and my friend got an email but then the transfer was cancelled. I checked the recipient's bank details etc were all correct and tried again, the same thing happened. A number of months have passed and I tried using the app again. When I was passed through to my bank to approve the transaction the screen froze. I didn't know if this was my banks fault so I tried using my credit card which is from a different provider. I got passed through to them and approved the transaction only to find the payment failed again. I have more than sufficient funds in my bank account and a £10,000 limit on my credit card. I was only transferring £13!! Ps I have used my credit card recently for other purchases and there is no issue with my card.

£2.10 taken from the account on 31 Jan. States authorised via online saved details???? WTF. It looks like fraud guys but nothing happens until I check some time later. Monies refunded. Great. Card canceled not great. No explanation.

You're wanting to list on the Nasdaq and I'll like too invest but transparency needs too lift. What happened?