Wise  Reviews 287,916

We spend a few months in Australia every year and are currently on a road trip in the Deep South, USA and wouldn’t go anywhere without Wise. No rip off exchange rates and so easy to keep track of spending. The card is set up for Apple Pay which makes all transactions in local currency with monies you’ve already exchanged. We both love our Wise cards and find them problem free.

I'm very happy with Wise, they make it so easy to bank online and they offer interest for checking which is a plus!

It’s very efficient and convenient, I use it often and also recommend to my friends

Wise transfers have been easy and fast. Never a problem.

Closed my account. Kept my money. No explanation.

I'll give Wise credit on one thing — the onboarding is smooth. Signing up is quick, the app looks clean, everything feels modern. That is where it ends.

My account was closed with zero explanation. No warning, no reason, no chance to respond to whatever concern they had. The $39 account opening fee I paid? Gone. No refund. No acknowledgment. Just silence.

And here's the part nobody tells you until it's too late: once Wise closes your account, you are done with them. FOREVER. You cannot open another account. You are blacklisted internally with no way to appeal, no way to explain yourself, no way back in. One silent decision on their end and the door is permanently shut.

I did nothing wrong. I complied with every request they ever made. It didn't matter. Wise can close your account whenever they feel like it, hold whatever funds are in there, refuse to tell you why, and make sure you never come back. You have essentially no recourse.

If you are running a real business, please hear me: Wise cannot be trusted. Never make them your only provider. Imagine this happening to you when your operating capital is sitting in that account — your business could be wiped out overnight, through no fault of your own.

Revolut is a far better option. Better product, better protections for business users, and a track record that does not include mass silent account closures the way Wise has become infamous for. If you need a global money platform for your business, start there, not here.

Use Wise for small transfers if you absolutely must. Do not trust them with anything you cannot afford to lose access to, and do not make them your only safety net. Always have a second and a third account elsewhere. You have been warned.

Money taken from my account without authorization. Apparently I agree to a website terms and conditions with stipulated that they take money from my account as a reoccurring subscription (The small print) obviously this is why any bank has and authorization procedure. Wise do not except this as fraud. I have had enough. Moving to a new bank. Don’t expect help from wise if you have money fraudulently taken from your account.

so easy to send money to friends and family abroad

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