Wise Reviews

Worked fine for quite some time but I never know what to expect. My business account was removed along with my list of payee contact info. It seems that I never know what to expect from Wise. Good concept of a money transfer app but poor execution. Disappointing.

I have been using this company for few years to send money from Canada to Croatia. It was all good, no complaints, until about 6 months ago, when I attempted 3 transfers in span of few days. ALL of them were rejected with message that “recipient account is blocked or closed." I knew this was not true, I get in touch with Wise customer service but they would keep repeating the same story and blaming the bank overseas. I then took a trip to Croatia and while I was there I personally went to bank there to check/verify that everything was in order. They checked and confirmed that everything is okay on their end….

Pros: App is fast and smooth when it works. UI is good. Information is clear. They DO support a lot of counties and currencies in theory.

What a total waste of my time. I closed my account, I would never use it again, and would not recommend these services to anyone. To go through all this trouble to register on Wise website to send a little sum of money for autoimmune medication for supply of only three months and be treated like I am buying some kind of bad drugs is just unacceptable. So disappointed with my experience.

I have been using Wise for some time. Recently initiated regular transfer to my European Vendors. But money has not arrived within expected timeframe, now Wise initiated a check. I provided them with all information requested but my money still were not transferred. Now almost 1 month passed and wise still doing the checking, not refunding my transfers. I initiated also return of money back to my account but Wise is not even sending money back to my bank account. Soon will be seeking legal advice.

I had a terrible experience with Wise. I submitted a claim regarding a scam merchant, hoping they'd help me recover my money. Instead of assisting, they closed my account without notice. All my transactions were legitimate, so their decision makes no sense. To make matters worse, their customer service was rude and unhelpful throughout the process.

How low can Wise go, obviously not low enough. Wise claims to use Plaid to check your account activity and confirm funds, so why does it take additional days and day and days for the recipient to get their money? Even when the bank took your money days and days and days ago... What a hassle! We’re paying fees for a service that should be straightforward, yet they can’t manage even that. They say they transfer money fast, they need to drop the word fast, and they’re clearly awful at it.

I used Wise to transfer a small pension payment from the UK to my account in the US. Last week they closed my account without giving any reason and locked my pension payment. An appeal was denied and they sent an email to file another appeal to get the money back. However, when trying to appeal which they list as the only way, it return me to a login screen saying the account is closed. I filed a complaint with the consumer protection agency in the US. Companies like Wise (which are not banks) should be prevented from doing business in the U.S. It appears they using this scheme to close account and to lock customer money in order to enrich themselves. Be careful of giving them your money.

I tried to use Wise in order to transfer money from my US bank account to a friend in the country of Georgia. Wise directed me to a third-party web site for "verification". This web site asked for my debit card details, which I provided--believing that this is what I should do. This third-party web site had a check block for a music subscription service. I unchecked the block and submitted all my information. Neither my credit card nor my debit card would go through---the credit card issuer had a prohibition against using the card for money transfers or money orders, but my bank that issued the debit card did NOT decline it. However, the third party went ahead and tried to charge me $39 for "contentbreeder" something or other, which is the amount that they tried to deceive me into paying for the music service.

I got my transfer suspended out of nowhere, a transfer I've made 15 times before. They keep telling me that the funds, $2000+ are stuck with their partner Bank, New York Mellon Bank. I initiated the transfer on November 2nd, today is November 29th. No funds, they blocked me from live chat, are not picking up over the phone, and they are not able to give me a date to which the issue will be resolved. I've provided every information requested. I've been lied to over and over. My money is not with Wise, and they have not been delivered to the sender. This is shocking to happen. I have used other processors, but this has never happened before. I even told them I really need the funds for medical expenses, they don't care. They don't care about their customers, period. I will never use Wise ever again. Horrible company, and horrible customer service.

I purchased the app and I was never able to use it. Every time I would login into the account it would make me purchase another plan in order to use it. At first I thought it was an issue that could be fixed but support was never able to fix it or refund the money I paid for the subscription.

Well I didn't want to reach this point, but they left me no recourse. I started a transfer from my US Bank account to my Wise account on November 3rd. It's been 21 days already and no money credited to Wise. The status says the transaction is under review. I have called, emailed, chatted, and provided them with proof of residency and and my identification. All these after I have used the service for about 2 years. They just give me canned answers and a reference to a "relevant team" that will reach out to me when the "review" is finished. There is no other recourse to escalate the matter, other than a complaint process that's also handled by them. What a joke. At this point I think I'm going to dispute the transaction with my bank to get my money back and close the Wise account

I sent a money transfer on October 17, 2024 from the Millennium Bank to the account of this Internet application and so far the money has not been credited to the account. They don't have a support service, as it seemed to me. I haven't been able to find her yet. Beware of this app.

BEWARE: Wise closed my account without notice after asking me to deposit funds to keep the application process going. They sent me an Interac e-transfer request which I used to deposit $3,000. Then they closed the account due to not meeting their community standards and kept my money. I have been fighting with them for a week trying to get the money back. Since they closed the account before returning my funds they have no record of anything and dealing with their customer support has been an absolute nightmare, have sent and received upwards of 20 emails back and forth and still don't have my funds returned. They require a bank statement showing the account name, a record of the transaction including account numbers and payment reference numbers, etc. I have given them all this numerous times now but keep getting passed around and then asked for the same things again. It's an absolute drain of my time and energy.

Horrible experience. Never use this service. Riddled with scammers and Wise didn't even care. Instead they told our bank that they would not refund. Horrible experience. Put in a ticket and all they had to say is try to not get scammed next time.

I and my wife joined Wise a few years ago. We both have long histories with bank accounts and normal bills as most people would. We moved from the US to Italy on the first of October, 2024. My 19 year old son has significant savings in a US bank. We knew we were moving and suggested he open a Wise account as he would be attending college in the EU and it appears to be an efficient way to get the most of his money overseas. When he applied and requested a Wise card, they said the issuance of Wise cards in the US was on hold. So we left the US and he applied at our new address in Italy. They sent him a card at our new Italian address and he received it in the mail. Then the problem arose.

I had just opened the account when I was scammed by ** putting through fake charges. I only had 60 dollar in the account so that was a relief but Wise agents are giving me the runaround and won't refund me. They asked me to file a police report which I did but still no help. Avoid the company. Not worth the hassle.

Wise has high fees and terrible customer service. I put money in and only roughly half came out the other end. This was my first and last time using Wise; I do not recommend it as a trustworthy option for funds transfer.

Blocked my money without any reason, customer support rude and could not explain why they blocked a European transfer from EU account to EU account between 2 EU party to pay for my daughter school. Now they refuse to return my money so I am unable to close my account.

Subject: Avoid using Wise for money transfer at All Costs: A Nightmare Experience. I recently attempted to transfer money to Spain using Wise, and my experience was nothing short of a disaster. The process was incredibly time-consuming and frustrating, and I was ultimately left waiting for my transfer with no clear explanation or resolution. After providing extensive documentation and spending hours on the phone, I was assured that the transfer would be completed within a week. However, when I followed up after a week, I was informed that the transfer had not been processed and that more information was needed. This was despite having already submitted all the required paperwork.

I wanted to send a wire transfer from the WISE app, thinking they were a legitimate platform; however, they are a SCAM. Firstly, the app required my social security number, bank username and password. My bank set up a test ACH transfer of $1.00 to ensure it was received. The next day, two separate transactions were sent to WISE. I didn't enter an amount for the transfer as I was waiting to see if the test amount was received. Someone from WISE used my credentials to access my bank account and sent two transactions to themselves for the exact same amount. Also, they set up an ACH from my account for another company, which I didn't create.

This pseudo-bank is a joke. Their customer support is nonexistent. I reported a fraud concern and the next thing I know, is that the case is closed, WITHOUT ANYONE FROM THE TEAM EVEN CONTACTING ME. I have to now reopen the case, while all my card details are still exposed and compromised. They are blatantly breaking Basic PCI compliance procedure. In short, VERY IRRESPONSIBLE PRACTICES. Do NOT bank with them.

I have filed the following complaint with CFPB about Wise.com: "On August 29 I sent $43k to my bank account in Brazil on Wise.com (membership number **). Wise informed me the transfer would take 3-5 business days. On September 5 Wise website informed my money had arrived, but I couldn't see it in my Brazilian bank account. After asking, Wise told me I needed to send proof of wealth, to share with the intermediate Brazilian bank they use (Wise did not inform me about an intermediate party before). I then sent Wise my 2023 tax return and my 2023 W2 form, which show more than enough funds to cover the amount of the transaction.

My first test international money transfer with WISE from US to Germany of $1k went smoothly within minutes. Now I wanted to transfer $30k for a home renovation. WISE wants me to use my bank to transfer the money from the US to the WISE account in Belgium before WISE can pass it on to Germany. In this case I might as well use my personal bank to send money straight to Germany since the cost for me is the same as sending it to WISE in Belgium. I contacted WISE phone help, but their service was „currently down“ (3 days same message).

They have messed up with my bank card payment. First, they lied 4 times that I was the one that cancelled the transaction. Then they admitted it was their mistake and I need to wait 10 days for a refund. After informing them my dog has an operation tomorrow they told me "sorry, we can't help you". I am completely broke, I don't have money for petrol to go to work tomorrow but most importantly my dog has an operation.

My very first transaction seemed fine at the beginning. Soon after, I discovered a typo in my email address and wanted to edit it, even before the transfer went through. The app did not allow editing. Then the nightmares began. I was required to verify myself by an endless variety of ways, including utility bills, selfies, etc. Often they were rejected and I had to repeat the process several times before they were accepted. When I explained my situation, for some inexplicable reason, my account was closed. Besides if you pay in USD, they only allow pickup in local currency, never in USD. A huge disappointment. I wouldn't recommend Wise to anyone.

Do not use this app. This is the only financial institution that will block access to your card without properly reviewing their own policy! Their customer service is the worst and is in no way comparable to real banks like Chase or Wells Fargo. They disabled my debit card because I informed them I gave it to my parents to use in Korea. Their policy clearly states that you can have authorized users, and the account holder will be fully responsible for all transactions. Knowing this, I approved my family to use the card. Even after their agent made a mistake, there was no apology, and I was threatened with blocked communication or termination of my account. As soon as I found out this company can put a block on my account for letting my parents use my funds, I pulled all my money out. There is no need to threaten me about where I can keep my money or who I can allow to use it.

I was among the earliest adopters of Wise. I recommended them to friends and associates all over the world. After a (fortunately) small recent transfer went awry I was dismayed to find out they have zero customer support. The agents you reach over the phone cannot "verify" my account and insist I must communicate with them via email. All my emails have been replied by what I must assume is an AI robot. In this particular instance I am filing a complaint with the Treasury Department and the Comptroller of the Currency in the U.S. and the Central Bank in Brazil. Hopefully, the cost of responding to these complaints will help them mend their ways or shut down completely. Meanwhile, unfortunately, Wise is no longer a trustworthy intermediary for financial transaction.

I have been using Wise for a year, and over the year it has degraded. Today, my money got stuck with wise ($800) and could not move. Tried with 2 consumer support folks, both could not help. Huge issues on their side, so beware. I am NOT going to use Wise anymore.

I have been with Wise for about 7 years and always had great service and support. However I suspect that they have changed how they provide support. Recently I moved from Europe to the US and have been trying for several days to update my billing address without success. Their support do not really understand the correct process nor what documents they need, I have several email with contradictory statements and still do not know what I need to do so have decided to just go elsewhere and close my account as this will be less stress and safer on my heart and blood pressure. Great company to work with as long as you do not need any support or have any questions.

I did one transfer to test their system, and everything went well, we get the money transfer in less than 12h. So I did a bigger transfer, It was a big error. After they received my money, they lock my account and now I have to fight with their stupid support. Very difficult to get your money back, they keep asking for unrelated document. Support is telling you what do they need to do the refund and 5 days later, I'm receiving and email asking for additional document that does not exist. Real crap. Don't send any money to this Enterprise.

They were better a few years ago. They had more payment options. Now I’m stuck paying with Sofort as the quicker option compared to a bank account payment and cheaper option compared to a credit/debit payment. SOFORT has extra more steps you basically open multiple web pages before it gets through. Their refunds are the worst. Takes up to 10 days and you’ll need to call and physically go to your bank to confirm.

I transferred my money from my RBC bank account to my Wise account and they are not willing to give me my hard earned money that I worked hard for. It is unlawful to take this money when it is mine. I keep calling/emailing them but they keep saying they will give it tomorrow but then nothing happens. What god do I have to pray to? I am now in debt because I am not able to use the money to pay my bills. Why can't I just have my money? What law allows you to take my money like that? Transfer number: #** Amount: 7,000 USD.

If there were a “0” star, I’d rate it. It’s terrible customer service and too pricey. I paid $40 for the fee of $1,000 and never got a refund though it didn’t get sent. They said something was wrong with the recipient information but I double checked and it was correct. I called them and didn’t get ẩn honestly answer. I tried to email them but never got responses. Such a terrible experience and I’ll never use it again.

My card worked well for 6 months, then it just stopped. Customer service couldn't do anything and told me to request a replacement card. The catch is they won't deliver it to Belize, which is where I'm travelling. What good is that, to have a "travel card", have that card stop working because of some defect, and then be told there would be no replacement card sent to me while travelling? The customer service reps seem to be very poorly trained. They keep having to put me on hold to try and figure something out. The solution offered to me by the Wise customer service rep? Use another debit card if you have one. They must be losing customers at an alarming rate.

Just attempted to set up a Wise account in order to get payment from a client. After a ridiculously complicated setup process, it is rejecting my ID (driver's license?) but won't let me upload a new document. I have already paid their $31 fee. The only way to contact customer service is to send an email, which they say on the site they will respond within 1 day. The auto-response to my email says that "complaints" will take more than 14 days to respond. What a waste of time. I will wait for my client to send a check or Venmo me like everyone else.

Web site very confusing as well when you call in for help. You will have no idea which account your money is coming out or where it is being sent to. It has no detail of this information. I'm done with them!

I recently had a highly disappointing experience with Wise Transfer and I strongly advise against using their service. They have proven to be extremely unreliable and their handling of customers' funds is questionable, to say the least. First and foremost, the customer support at Wise Transfer is abysmal. Whenever I reached out to inquire about the whereabouts of my funds, I received conflicting and inconsistent answers from different representatives. It is evident that there is a lack of communication and coordination within the company, which is completely unacceptable when dealing with people's hard-earned money.

I was a fairly happy user of the Wise card. It serves me well! But God forbid you should ever have your card lost or stolen! They do not provide any type of expedited service to many countries! And to some popular countries they don't offer delivery service at all!! Customer service? Don't bother! Just a bunch of robots who copy and paste the gobely goop written on the website! Better get rid of that useless expense and provide the basic services one expects in an emergency situation! Like an expedited stolen card replacement service! Anywhere in the world!

It’s been over a month since then have requested for a refund but Wise keep on sending me the same email to submit documents. I am not certain if this company would really help you for refund, as for my experience response is very slow and the same email received when following up. I’ve also used their service internationally as it says no fees when funding your account or card but I was charged multiple times. Using your very own cc is cheaper than using them as you will be charged of every use for funding your account and purchasing or withdrawal. I would never use them again for this matter.

Impossible! Non-working website, customer service agents that keep assigning blame to the previous agent, no manager on duty to escalate to. Spent 10 hours, spoke to six people, and accomplished nothing.

Wise is a shady company that seem to make money by blocking transfers for unclear reasons, essentially without a possibility to resolve an issue. Eventually, after months of silence with periods of slow communication, they just deactivate your account keeping the funds to itself. And this is, of course, according to their "Terms and Conditions".

This is the worst company to deal with. Customer service is non-existent. My husband and I initiated 6 transfers to the exact same bank account. Two out of the transfers were successful and four were returned for no valid reason. When we ask for a callback from Wise, the reps are untrained and refuse to get a manager or superior on the line to correct the issue. Totally untrained call center staff and many of them have such thick accents that you can't even understand them and have to hang up and request another callback.

This is probably the worst customer service I have ever met in my entire life in IT. Instead of helping, they cause you more stress and problems. I have been a client for many years and suddenly they decided that my bank account name is different than my company name...

If you want to do a quick transfer of money to another country, use this app and get frustrated with your transfer, especially if you are new to the app. Despite all the checks and verifications they will still frustrate your transaction.

One of the worst financial platforms. It is more than 5 days now for a simple SEPA transfer where classic s transfer takes 1 day. Their support is answering with copy/paste formulation and are helpless. This is unacceptable.

Updated on 04/30/2024: Wise's response to my review on April 30, 2024, was frustratingly familiar—a generic template that offered no real answers. They claim to require additional information but have yet to specify what is needed or why the funds are on hold. The sender and I are left guessing; days have passed since the transfer was initiated, and we're still in the dark.

More and more expensive and harder and harder to send money from the US. Also their initial screen says arrives in seconds and EVERY TIME it later changes to "This will take longer than expected" and takes many days. Used to be quick and easy, now awful.

I have transferred hundreds of thousands of Dollars with no issue. Could not be happier. Saved me thousands and I know I can always rely on them for my money to be there when I need it. Highly recommended.

I have been using Wise to send money from the U.S. to my wife in the Philippines for 2 months. They are SLOW. They always have excuses when they email you back, and they try to gaslight you and say the transfer is still within the expected time frame. I tried to send $600 to my wife on 12 APR 2024. I am already back in the Philippines now on 23 APR 2024, and the money is still not in her account. Wise took the money from my bank account 10 days ago! This is the 3rd time this has happened. I will never use Wise money transfer service again. I just hope I can get my $600 back.

Wise is not safe to use! They block your account without any notice and explanation. My 3 companies accounts and a personal account were blocked in one second. For a few weeks I am trying to get any information and reason why it happened. I get robot reply and have no possibility to take funds that are kept in wise. My reviews are deleted from Trustpilot as fake even after I submit all the proof and bank statement and the letter of ownership of the account and emails with support. Trustpilot deleted all 1 star reviews from all my companies. I am sure it is due special agreements with wise. Because Trustpilot publishes 1 star review immediately on all other businesses. It seems like wise is working hard to cover all the illegal actions taken against accounts holders.

DO NOT USE! I alerted them of fraud under my email address so they blocked my account with $10,000s in it and completely stopped communicating. It's been weeks and I have no access to my money. Every time I call they say they can't do anything, it's their internal team.

It has been the worst experience with a company I have had. It's been one month since one of my customers paid for a service and the money is lost. They keep asking to submit the same information over and over again and despite doing it they don't help at all! They also asked for my bank statements which I'm pretty sure violates any privacy policy. My client called them, I called them and no solution whatsoever. They “answered” from a customer service but after 5 emails it’s clear that it’s just a Bot. DO NOT SEND OR TRY TO RECEIVE MONEY FROM THIS APP, YOU WIL DEFINITELY LOSE YOUR MONEY.

In many ways, Wise offers a compelling and competitive service. However, their onboarding process could be clearer and more transparent, and their customer service is substandard. I decided to subscribe to their enhanced business plan which carried a fee of $31. There was a warning to the effect that paying by credit card was the most expensive method, but in the context of opening my account, I understood that to mean I should avoid doing so when transferring money, etc. Further information was scant. To my surprise, I was not paying a fee, but transferring money to my account, from which they then deducted the fee. This was treated by the credit card company as a cash advance, saving Wise a credit card transaction charge, but resulting in a cash advance fee, to me, of $10! On a $31 charge!

I have a Wise account that I receive my pension into. I have been receiving my pension for a year now no problems. Then on March 28th, my pension plan sent my pension to my Wise account and refused to accept it. They said that an email was triggered to me, but that went into my junk mail. By April 1st they had rejected my deposit and returned it to my pension company stating that I had not immediately responded to the email they had sent. They refuse to explain why they rejected the funds or how often they would do this, which makes having a bank account worthless. Now I will have to spend months trying to rectify this situation from 8 hour time difference. What a worthless bank.

I liked the article and the information within it. My comments or star count are directed at the recommendation specifically WISE. I have had Wise for 4 years and while it started out as a great company--they have changed their transfer agent and it has been a headache--holding on to funds in (?) making float on it and not paying interest not getting the funds where they are directed to go. Claiming to need more information regarding transfers but not communicating those request and once canceling the funds not returning them to tp the bank--Absolutely awful customer experience. Can not UNRECOMMEND ENOUGH!!! The last thing you need from a transfer company is lack of responsiveness and holding on to funds illegally.

If you have a problem with this company, the easiest way to deal with the problem is to file a claim with the AAA. It's like $225 for the claim, but once you file it, the ignoramuses at the company will actually work to resolve your claim. They have hyperactive fraud software. If the software flags your account, you'll be sent to like 40 different departments, basically talking to people (mostly dumb) who will not move on the account at all. They'll ask for documents endlessly, and if you cannot produce something, they'll then use that as an excuse to freeze the account.

How bad is Wise? The $31 verification fee they charge you is a "cash advance" on your credit card that costs an extra $10 in fees and can't be disputed. This company is fraudulent. It is intentional. Do not give them anything.

Several years ago, the necessity of sending payments of less than $2500 from the US to the UK led me to TransferWise. All of those payments were successfully and quickly drafted from my bank account without a hitch. However, in early Feb 2024 I needed to send a large amount to Canada. Wise instructed me to wire the money to their JP Morgan account in NY. When it showed up in my account it was $500 short, and I was instructed then to apply for a “refund” which was not a straight-forward process. The JP Morgan customer accounts seem to only be updated every 2-3 days, not on the hour, and finding info is not straight-forward, as there's no balance sheet, only your total amount. So you're in the dark much of the time.

They are holding my 40000 Canadian dollars saying that they cannot verify my account even if it s the same account I used 7 month ago and I also provided multiple proof. RIDICULOUS STAY AWAY, THEIR CUSTOMER SERVICE IS THE WORST.

Do not, I repeat DO NOT open an account with Wise. It took me 2 1/2 months and 2 card requests to get my card, it arrived 2 days before my daughter's trip. I activated it as instructed and then she messaged from Germany (I'm in Canada) to tell me it wasn't working. I thought it was a one off so I told her to try it again. She messaged from Switzerland 2 days later that it still wouldn't work. I called and got a rep that told me it might be the store. I had to ask her to check the card at which point she advised it was blocked but didn't know why. After putting me on hold she advised she couldn't unblock it and it looked like I froze it. I advised there is no way I would block it, leaving my daughter stranded halfway across the world and especially call to enquire. She advised there was nothing she could do. So there is my daughter in Europe with no access to the funds, I'm in Canada and they can't help....Do NOT use their services.

Absolutely the worst! The customer service is horrible! When an ACH did not arrive after a week, I spoke with Natalie who was very unhelpful and gave the usual runaround about she is very sorry and did nothing to resolve the situation. And they had the gall to charge me $13 when most banks charge nothing. Steer clear!!

I needed to wire transfer 500 Euros to a small, specialized school located in a mountainous village in Italy for my daughter's summer study abroad. I'd never wire transferred anything to anyone before. The Wise website walked me through the process in a clear, secure manner, gave me a favorable rate of currency exchange, and delivered the Euros with extreme rapidity. I was delighted. I would definitely recommend this service to anyone, especially for overseas wire transfers.

This company is simply unreliable and untrustworthy. They will tell you anything to get you to shut up. It seems. If you investigate and use logic you will see that they never really give solid and precise answers. I was suppose to get my transfer today. All the other FIFTEEN transfers were TRANSFERRED INSTANTLY but this one wasn't EVEN THOUGH I USED THE SAME METHOD and they will not give a solid reason why? Things don't simply happen...there is always a reason but the employees will not tell me so I am unsure if they are simply lazy or the company is too incompetent to train them properly. All they do is give vague answers ALL THE TIME. They are also blocking, deleting and hiding Comments and accounts on Social Media. When I made the transfers at 159pm EST on February 15th I received an email saying I would receive it in 3 days, then a notification saying 7 days but their website says 0 to 4 days. Ridiculous.

They Block the accounts and or payment for a millions of different and non sensical invented reasons (by their robots). Account blocked again. I have tried to resolve the problem but they answer like a robot writer. Experience date: FEBRUARY 14, 2024

On February 4th, I transferred $300 from my USA bank account to my friend's account in Dubai. I am an existing verified customer with a verified bank account. I called WISE the next day, since Feb. 4 was Sunday. The rep told me that the money should be in my friend's account either today or tomorrow at the latest. I called WISE at the EOB next day - Where is my money? Another rep told me to wait for 1 more day since they need to verify something. Wednesday. Feb. 7, I received an email from WISE asking me whom I sent money. I replied with the answer and reminded them, that I already answered that question during the transfer process.

I have tried a few, but Wise is the most competitive, reliable and fast money transfer service by far. The website is straightforward, they guide you efficiently through the steps of the transfer, give you appropriate warnings and generally, it is excellently built.

We purchased a property in Portugal and have been using Wise to wire money because the rate was better than the regular bank and it was fast. However, something changed this year, on 01/03/2024, I needed to wire &50k from our trust account (which Wise treated it as. Business acct) to t personal account. It said that they needed to verify the fund which was done when I transferred $100k from BoA to Wise couple months ago. Wise stated the money will be verified by 01/16/24 after I uploaded my BOA statement showing the transfer.

WISE replied and upon contacting the support line, the problem was identified, and completely resolved - essentially completely annulling my initial post.

Wise prides itself in being fast, easy and transparent, but it has to be the most creative lie so far. My experience using Wise has left me stunned up till now. They can deactivate your account at a moment's notice without any notifications or explanation why and they can also take your money for themselves without any explanation whatsoever. I will advice you think again before choosing Wise for your payments or savings.

I have been waiting for two weeks for my transfer to go through. Despite repeated emails and calls no reason whatsoever has been given for why it has not been sent. Customer service consists of long waits on hold, followed by the promise that my concern will be sent to "the appropriate department." But no one ever responds, from any department.

Terrible customer's service and false claims about their best rates. A total rip-off. They never ask you to justify the incoming funds for obvious reasons of course and when you are in the middle of making an outgoing wire transfer you get asked to verify the source of your funds. The typical behavior of a dishonest company wanting to desperately hold on to your money by any possible means. A real disgusting business mentality!!!

Wise reached out and resolved the issue but did take some time.

I never had an issue with Wise until it was really important. Normally transactions go through almost immediately. Now the money has left my US Bank and Wise is saying that they received it but won't release it for 3 business days. Funds are usually released within minutes. Had I known that they would change their policy, I would have used another company to transfer my money to my Mexican Bank.

No notice at all that you need to reverify your ID until AFTER someone tries sending you funds, and those funds get put on hold til you re-verify, but then after you do re-verify, they don't release the funds! Calling customer service is useless because they just tell you to get in touch with the sender of the funds, but I'm not exactly sure who it was!! Then customer service HANGS UP ON YOU when you try to get a clearer understanding of their process. ABSOLUTELY TERRIBLE and the polar opposite of 'WISE'.

They closed my accounts Oct 11 for no apparent reason. They accepted a customer's wire after that. I've been trying to get my money since. A normal bank would just reject the wire. The customer would then call and I could explain the account was closed and give new account info. As of today, they are still holding my money claiming they are "reaching out to the relevant team". They've been saying that for months. I wish they would just tell me if they are having money issues instead of making up lame excuses. I wouldn't trust them with a penny. I would tell any business to keep far away. Any positives about them? Their customer service people are nice and really try to help. Their backend systems and people are not honest Or maybe they have liquidity issues? I don't know.

I never received the physical card that I needed for my trip to Europe. The customer service is a complete disaster. They don’t care about users and don’t try to solve any issues you have with your account. Do not use it.

After further checking what information they sent. We see that the issue is that we did indeed change their bank account information, but we did not realize that Wise also changed our account number that they gave us.

They made a bad business decision that may have been in their best interest but it was not in the interest of their customers. So now here we set with a loss of over 20k and they are offering no help to recover the funds. So I added one star since it was not faulty information. But their help in correcting the mess from their bad business would have gone a long way.

Similar to an earlier review from this month, I was a very satisfied user of Wise as I work and travel globally. While in the past I used Wise mainly as a pass-through system with a few thousands in balance, a few months ago I moved a six figure balance to Wise ahead of using money on one continent to pay for a property transaction on another. Well last week, when I wanted to move the funds to pay notary and seller (a matter of seconds usually) Wise suddenly requested that I upload bank statements from investment accounts, employment contracts, tax filings, etc. A massive hassle, but afraid of my property deal falling through last minute because the funds are not the escrow account in time I provide all they requested and believing what it said in the app, "we un-pause the transaction in three hours after we reviewed your documents“.

Wise has deactivated my account, and after appealing their decision they said it can take up to 40 working days to review our appeal, this has disrupted my business as our vendors are waiting to be paid. Customer service is a mess, have been trying to reach them by phone, with no luck, Stay away!

I was transferring funds to a friend in Asia to assist him with schooling and received confirmation from Wise that I had provided all necessary documentation per their request. Then I received a follow-up e-mail saying I needed to submit missing documentation. I e-mailed them to inquire about the mixed messaging. The next thing I knew they sent a notice indicating they had permanently closed my account and indicated that they could not provide me with the reason they were closing the account. Customer service was not helpful. AVOID Wise!!

Wise works great most of time. We have been using Wise for several years and they regularly will suddenly without prior warning freeze your account and not allow you to send funds to vendors until they reverify your account. There is no warning saying "please verify this information in the next 3-5 days or your account will be locked." It is just suddenly locked without any warning until you verify your account. It is a complete mess when you have vendors that expect you to transfer funds the same day or pay cash-especially when the cash payment needs to happen in a different country (which is the whole point of Wise transfers).

DO NOT USE WISE!!! Wise have stolen my money and have not let me into my account for over 4 weeks. I have submitted a Consumer Affairs claim. They put you on hold and hang up. It's disgusting!! Avoid Avoid Avoid.

I've been using Transferwise since at least 2009 and probably longer, it used to be an easy fast way to transfer international funds when at the time there was no comparable site. However since the rebranding to Wise it has become a cumbersome process where you need to set up a Wise account (rather than direct bank transfers) which slows down the process. And on top of it they add a fee to transfer from your Wise to your bank account to which the transferred funds used to go directly. There is little support from customer services should something go wrong. So disappointed in what it has become - if you need to increase your fees go ahead but don't hit us with this slowed down, additional fees on your own money process.

If you have specific due date for the transfer, don't use Wise and look elsewhere. Wise cancels transfer at random without explanations (except "an expert in our team reviewed this transfer, and decided it was too risky to send it"), and customer support has no idea why transfer is cancelled.

Absolutely the worst! I have never used Wise services before but recently created an account to make an international money transfer. The online transfer process went smoothly and I received confirmation that the transfer was in progress. But when I went to check on the transfer the following morning, I was greeted with a message on the login page that my account was deactivated. Underneath it was a link to appeal the deactivation. When I clicked on it, I was told in so many words that upon reviewing my case they have decided to close my account.

I have been in support roles throughout my career, managed IT teams, staff and even own my own company. I have had to deal with a lot of different software solutions, CRM's and other solutions that will eventually require support. Wise is by far the most disorganized, decentralized and lackluster communication oriented support system I have ever experienced. I want to be clear, the support staff are courteous and honestly seem to do their best in helping the customer, but they are completely hamstringed to do their jobs. Want to escalate and talk to a manager/supervisor, sorry they don't have any. Want to confirm with the verification team to check status on process, sorry, they don't have the ability to do that.

Their email responses were unclear. But their phone support was good.

I tried to send a $50 dollar wedding present to a friend in Spain. Forget it! After I gave them my cell phone number for verification twice, they wanted my total income, my sources of income, and many more financial details. I gave up after 15 minutes of their **. I decided to wait until I see my friend this fall and give him the $50 dollars in person.

I've used Wise since 2018 (over 5 years) with only minor problems. Out of nowhere, they abruptly deactivated my account without explanation other than to say it's within their discretion to terminate NEW ACCOUNTS. HELLO, I've had this account for 5+ years with no issues on my part whatsoever. No accountability from this company, poor customer care and completely ridiculous. Over the years I've recommended their services to several people. But everyone I've recommended has complained and closed their accounts. DON'T USE THEM!

I used Wise in the past and it was ok. But recently Wise cancel my transfer because I did not confirm a new rate that was email to me, but I did not receive this suppose email. I had 3 phone calls, but the customer service could not solve my problem yet!

I tried to send money to my sister on her 1st time home buying for the closing. I used Wise. After 5 days I got an email saying the transaction is canceled. I called so-called customer service; he said technical issue. Why their problem should be my problem. The rate was granted, now rate is changed and I am suspected that's why.

After wasting three hours to set up an account, loading recipient and my bank information and loading driver license photos, failed to accomplish one payment to Canada as the crummy software would not load my selfie required for ID verification. Time was wasted in multiple unsuccessful attempts. Will never attempt to use the site again.

Wise's verification process seems shady to me. First, they wanted a picture of me with my passport, then connected our bank account, and only then said they needed more information and requested our company formation docs, and then, after we were "approved" and sent our money to our new consultant, they changed their mind and said they couldn't verify me because our product name and company name are different (most companies have different product names than the name of their company). They said our company name wasn't on our website (which isn't true). And cancelled our first payment.

Imagine spending 5 hours in a day taking selfies of you and your passport! Stay away this company. It is rancid poop. Stay away and stay away....I appreciate anyone who sees this review and stay away from these circus clowns! They have a ticker Wise plc (WISE.L) - Eurotrash stock market...** Wise!

I started a transfer in June 2023. Wise withdrew the funds immediately and delayed the transfer due to "verification steps with our partner bank". This was red flag #1. I went ahead and sent all the required documentation (I have used Transferwise in the past and had no issues). Three weeks later the transfer was still on hold and numerous calls to customer service went nowhere. All I got was: "we conveyed the information to our partner bank and you have to wait for them to process the transfer".

As with other reviews, the customer service team is apologetic but not at all helpful. I requested to speak with a manager or supervisor but they do not have a system in place to have a complaint escalated. Companies cannot survive with this mindset.

After using their services successfully when the company was known Transferwise, I decided to use them again for another transfer. This was a terrible mistake. They asked for some verification and that email ended up in my spam folder. By the time I saw it and sent the id they wanted, they already had cancelled my transfer.

Be extremely careful with them! Out of nowhere, they come up with a lie saying they didn’t get the money from the bank, but please pay again although everything is perfectly fine with my bank. Are they going bankrupt and trying to steal as much as they can before? Not gonna pay 1 cent on top of what I paid. Good joke! Don’t pay 2X. They apparently got hacked or are just scammers themselves!

I created this account solely to help reflect the reality of this company today. They were great at the time of Transferwise. Now, some of the transfer didn't complete, with money in limbo in customer service NOT HELPING at all. It looks like their customer support just doesn't care and will even simply ignore mails sent to them. I would certainly recommend to stay away from Wise.

Previously used Wise monthly. Sent several hundred thousand dollars in family support over many years. Transfers would take 2-3 business days at most and 4-6 hours, normally. My last 3 transfers totaling over $2,500 usd have not gone through after a week and a half. No solid reply from inquiries; only seemingly automated boilerplate. I fear my money is being held to let them collect interest. I would almost guarantee it. I expect once they've had it for an interest cycle, it will transfer. AVOID THIS COMPANY LIKE THE PLAGUE.

Wise repeatedly suspended incoming transfers from my main clients in Germany for no reason. The apologetic customer service never answered my questions. For the past five days, I've been attempting to resolve this issue by contacting customer service multiple times. However, like most customer service representatives, they only offer sympathetic phrases such as "I understand your frustration." The information I received from Wise is quite alarming. It appears that Wise utilizes artificial intelligence to identify suspicious or fraudulent transactions. Strangely enough, after five years of recurring transfers from my German client to my company in California, the system suddenly flagged something as suspicious. This is perplexing, as the transfers have always included a sequence of letters and numbers that serve as my client's accounting references.

I've been using Transferwise for 3-4 years now and it was a really great app. Fast, streamlined, uncomplicated, and had good rates. Since they changed to wise, the app is very slow, UI is convoluted. Accounts I had set up already and still are in there now need to be paired with other services I need to sign up with, the whole experience is terrible. Also the color and branding is terrible. Transferwise was much better.

A WORD TO THE WISE: DO NOT DEAL WITH THIS COMPANY. I sent them $30. to initiate opening an account and for some unknown reason was turned down. My credit score is 858 with Equifax and I don’t have a criminal record, not even any parking tickets. They have an appeal process, which is a joke. I was turned down ½ second after I pressed enter. After 5 months of back and forth useless emails with their “support staff” who, by the way, have no authority to do anything, I’m still waiting for my $30. deposit back. Go figure, they turn me down and I have to fight for my deposit back. I got approved for a similar product (CIBC-Air Canada Conversion Prepaid card) the same day I requested. Save yourself a lot of grief and look elsewhere.

My nightmare started on April 11. SCAMMERS ALERT. My nightmare started on April 11, 2023. After doing an extensive research into reviews from different Currency Converting Companies and chatting with people who have already done the currency conversion while living overseas, I decided that WISE was the company I was going to use. I set up my WISE account and linked it to my bank account. While on the WISE account since it was connected to my Bank, I decided to do the etransfer from my account to WISE.

On my first transaction abroad my account froze, with no explanation, I contact the customer service that told me to contact appeals@wise.com and they will solve my problem in 5-20 days. 27 has passed and nothing, no communication, no new password to restart the account. NOTHING, NOTHING, NOTHING! This is when people want to open a bank in a cheap way...if something happen...you just die with your problems! AWFUL!

I have been a loyal Wise customer for years and sent/received money all over the world without issue until recently. $35 that I topped up on my account was taken out of my bank and never sent to the recipient. Wise has lost this money and refuses to refund. I have spoken to multiple agents and they continue to gaslight me. I had $100 account balance, and added an extra $35 to send to Ecuador, total of $131.71 after their fees. They only sent the $96.71, but claim they sent $131.71. I have a verified and signed document from the recipient's bank showing that they never received the $131.71 I sent, they received only $96.71. From that 96.71 their bank and an intermediary bank took a total of $8.

I signed up for a Wise account and added two currency accounts. They got my account information with my bank in the US and my bank in Canada. They then immediately deactivated my account and disabled the appeal process. They never tried to contact me to clarify anything, just closed the account in the middle of the night. I don't think this is a legitimate business. I believe they are just harvesting personal and financial information.

I'm a very patient and understanding person, but after 37 days, 4 emails, 1 in-app message, and 3 phone calls resulting in 2 escalations, my measly $75 transfer was *still* pending...until I canceled it moments ago. After that experience, why should I ever use Wise again? I submitted all of the information that Wise asked for: name, address, verified my phone number, social security number, passport, verified my selfie, everything. All three customer service reps told me everything looked fine and normal (two of those reps escalated my transaction). Yet after 37 days and several hours of my time, my effort still wasn't enough for Wise to complete my tiny $75 transfer.

I used Wise to pay for a diving course in Thailand. Once we got there it was evident that the company was a fraud. We did not receive the services we paid for and they refused to pay us back. I contacted Wise to report this and Lu told me how to submit my fraud dispute. I took 3 hours to give the details required. A few days later Marco replied that once the transaction is complete there is no going back and Wise does not return money back to customers no matter the reason. Never using again

After 3 years as a business customer, they have decided to close my account for "Gambling" activities. The appeal takes 20 working days, disrupting everything in my business. I cannot believe what my eyes are seeing, it must be some sort of joke. I would not recommend Wise for anyone anymore.

I made an account to be able to make purchases with bank transfers to businesses in Japan. They said they send transfers to Japan. When I went to make my first purchase from a fashion boutique my transfer was rejected because the business name was "wrong". I wasn't able to copy/paste the Kanji lettering into the business name on the website like I was told I should be able to. When I took a screenshot of the website showing that only Latin lettering was able to be used and sent it in an e-mail they would just repeat that I can use Katakana and would give the bullet points from the FAQ about transfers to Japan.

I spent hours trying to set up an account> When it came time to take a verification photo their app simply did not work. They say it's simple to do but the results of following their online instructions doesn't match with how their site responds. If it's this bad I not sure I can trust it.

In February 2022 I made currency exchange and transferred funds between my accounts. It was conversion between canadian dollars to US dollars. Money wasn't sent to clearance bank in Europe directly but from TransferWise account in US. This was rejected by intermediary bank and funds are returned to originated account account i.e. TransferWise but not my account. It is almost a year since they are "investigating" where money is. This is fraud I can't believe can happen, but after reading so many bad comments about Wise I suggest everyone to stay away from them.

I hired a lady in the Philippines to do some consulting work. When she was done with the drawings she sent me the invoice. I told her it cost $45 each time I wired money via BofA and if she could take the money another way. She said she could take Wise. I opened a Wise account and after wanting the front and back of my driver's license and a host of other information, they process my transfer of $250 (or so I thought).

7 years being a Wise client. 7 years recommending Wise to everybody. Many many transfers from a few hundred $ to tens of thousands $, a Wise card for a few years too. Today, I closed my account. Wise decided to ruin our 50,000€ transfer. We followed the same instructions, as we always do, but this time Wise decided to block our transfer and ask for documents. We provided the documents, they asked for the same documents again and again. Their customer service is so incompetent that you are under the impression to speak with a very limited robot. They don't understand anything and they keep repeating the same stuff. They cannot understand that banks are providing monthly statements, so obviously a 3-days-old transaction doesn't show on the last statement.

It is not often I experience such obtuse behaviour. It is like they look at my comments, rationalize them, think "He didn't really mean that, he must mean this instead". Then they reply to my email with a response that has nothing to do with my last email. They have rules and terms of service but they have nothing to do with the way they respond. They still have a transfer of mine and rather than return it, since the transfer was never completed for reasons they have never disclosed, they demand more paperwork from me to prove who I am. WTF business is it of theirs? If I did not have the account, how could I possibly use it to send them money from it? Now I have to prove who I am before they send it back?

When I finally became properly identified, I found it impossible to link Wise to my bank via ACH. Frustrated, I tried Remitly. Their website is easy to use, and I was able to wire funds immediately from my bank account. I was done in 15 minutes. Wise is terrible. I recommend Remitly.

WISE Can't open a business account. Relatives opened personal accounts. Told me they are happy with wise and the setup process. NOT for business! Don't be like me and spend a week unable to open simple business account. Customer service is terrible and you are speaking with bots or employees that act like bots.

I have used Wise (Transferwise) for more than 5 years to send money to my grandson, first to Romania (where it took a few hours), and more recently to London, where it took 5 seconds for him to receive funds into his bank. Last week I needed to loan him money for rent deposit, and now he is trying to repay the loan. He has trouble on his end. I have tried to set it up from my end in US. We can't get it done. I had to deposit to an account somewhere (not disclosed) in the US for him to send to but using the same accounts in reverse does not work. He cannot figure out, even with customer service, to get the system to work, and even when it does it will take 3-5 days for it to arrive, and then I have to figure out how to get the money from wherever it is into my back account. Terrible experience.

First and last time I used Wise today. Sent 500 Euro from Germany to Turkey. Although it said, it would cost only €3.92, the receiver got -€30 Euro so the transfer was €30. I still can't believe this can happen legally. In the fine print it says something like 'intermediary banks might also charge and your receiver might receive less than what we show here' And on the next page it still shows the receiver will receive the full amount (lie.. ) I called the customer service, very unhelpful.. I had used WU before, I thought this was a cheaper alternative but unfortunately it's a legal scam..

I have an account with Wise/TransferWise 10 years and while I enjoyed the service and used it a LOT, throughout the last year or so they have become more insane with asking constant verifications, uploading of ID, financial documents and re-verification. This is too much now. They used to be a good instrument for sending money overseas and have now bent backwards to requirements of spying corporations and one must prove source of one's wealth otherwise they will deactivate your account by 17 November 2022.

Wise may be popular but it is not an honest company and should be criminally prosecuted. I tried to transfer 132 EUR but payment was suspended because my ID was illegible. I tried to cancel the transfer but it's not possible. Moreover, I was foolish enough to share my ID and lots of personal data, thankfully I used PayPal for my payment and not my bank account or credit card. MY 132 EUR are now lost. Stay away from these crooks!

I transfer 10-20K with Wise each month to my employees. I used my Wise credit card to buy a course. The course owner scammed me. I didn't receive the course. The course owner auto-bills me while it's mentioned nowhere. The course owner doesn't respond to me (messaged him 10+ times over the past month). And he doesn't fulfill the money-back promise.

On August 3rd I transferred euros from my Swiss bank account to my Wise.com (formerly TransferWise) Swiss francs account by mistake. I have contacted wise client support several times by all means available, and since then the money was still not refunded. It seems like nobody knows where the money is, and it seems that nobody cares. The only thing that the support service says is that it’s a thing that is processed manually and can take weeks. Well, it has passed already eight weeks!!! How many more weeks do they need to refund the money? If there will ever be a refund…, I think this is inadmissible.

My account was closed without explanation mid of first transfer. Fine. I looked online and saw it on their website that there are multiple reasons for this and that they should return the money in about 3 days. 3 days later, still no money. I called and asked to speak with someone that could help me, they could not. They said they would have a supervisor return my call and requested I send an email to the appeals department to get my money back. I sent the email and got an auto reply that it would be 5-10 working days. 11 working days later, no response so I sent another email. During that time, no supervisor called me.

Updated on 11/01/2022: Ok this is an update to my experience which is still under dispute under Wise. Wise did reverse my charges and promised to send a new physical card at my address. It was to be received last month. However till this day I haven't received it. And I have been following up with emails on this but there is no answer from them. Previously they were contacting me back in time but not now. Seems like they probably blocked me or something. I need to travel next month and need to load some money but I don't have the physical card yet. Let's see what happens. I will keep posting my experience.

They want all your information, your social security number, your username, password, social security number. No no do not use this company. There is no live people to talk to, if you try to talk to someone to verify you have to pay to talk to someone. This is crazy. Do not use this company. Lot of bad reviews. When you go on their website they even have a place where you can try to get buyers off of your computer from them. Don't use this company.

I have had this account for years, and use it as my primary account whilst living and working in Australia whilst taking a UK income. Wise is working under delays such that adding cash to the account cannot be done in a timely manner. Right now I have tried to add money to my account on Friday 26th August, but the money will not enter the account past checks until 5th September. I have also been told by customer service any further additions get backlogged behind that one. It's an unacceptable delay to get my income, or keep the balance of the account topped up and has essentially made the account unusable.

I wanted to transfer an amount from EU to the US. Wise accepted the money, and flagged that it could take around 10 days. The transfer didn’t go through. I waited another week and got in touch with them and they told me they are missing information, which was not something they flagged earlier. I asked for the transfer to be cancelled, because I wanted to find a quicker solution. It’s now been almost 3 weeks since I requested this and have still not gotten a refund. There’s no way to call them and they are not responding to emails.

I send a transfer to my landlord on August 3 of $1800 from the App. I received a few days later a notice that there had been a problem but I could fix it by re-submitting the transfer which I did.... Since then mayhem: first, after countless emails and phone calls Wise still refused to even acknowledge that they had receive my initial payment on the 3 of August 2022. Then it claimed that I wanted to pay twice and that I owed them money... and so on. Problem still not solved.

Wise isn't a trustful partner to work with. I've had 2 bad experiences and decided to quit them for good. 1) Wired the funds to Wise with the promise to have the funds transferred within 2 business days. That didn't happen. I kept calling them to complete the transfer and they didn't know what to do. They indicated missing documents but weren't effective to complete the transfer. At the end I've requested to be refunded and the case closed. 2) I have started the process to transfer the money again, then received a guaranteed rate for 96 hours with the deadline of Aug 8, 2022. The funds were wired on Aug 6th, then they changed the rate without notice, indicating the guaranteed was for 48 hours and deadline of Aug 5th. Shame on these people. I will never do business with them again!

I was supposed to receive money from a country within SEPA, however 5 days later even with the transfer receipt, Wise is seemingly unable to transfer my money as they used to, and on top of that when I was able to reach the customer service by phone (after sending no less than 5 emails without any reply) the guy on the phone was the "RUDEST" person ever, he even started shouting at me, and refused to continue the call...Guess what up? Until now my money is still not available in my account.

Here's my experience: I work at preply.com as a teacher and tried sending payments to Wise.com. First, it was 23$, it shows "received" but 0 came to my account. After 24 emails with wise.com and preply.com, I tried again with 10$ and it's the same story. They tell stories that I need to contact some bank which I do not know. They canceled the transfer but the money never came back. My conclusion: DON"T TRUST THEM.

First let me tell you I have used Wise in the past quite successfully and have always been pleased with their service. Well not anymore. I transferred around $2000,- to a family member's account overseas. I used all the right IBAN information as requested and the money was taken out of my bank account immediately. Then however, the money never showed up in the other person's account. I was unable to find ANY contact information for Wise and had to do a deep dive online to get their contact info.

Customer service is where it matters most, especially in circumstances like these. Wise has been good, but now that I am out of my own money due to Wise wanting more information about the account I transferred from (that I provided a week ago) they are nowhere to be seen. I can’t even call these guys. I am in another country, without money, waiting on quite a large transfer to be processed. The only reason I transferred all this money over to my Wise account is because I lost my home country bank card. So I thought, why not just move it all to my Wise account to avoid possibly losing it all. Big mistake. I won’t be using Wise in future and definitely won’t be recommending to family and friends anymore.

They haven't answered any of my emails for THREE WEEKS AND STOLE MY MONEY!! Do not use Wise. I tried transferring €4000 and they just stole the money. I lost patience after 3 weeks and canceled the transfer (and I still didn't receive anything). I think they are running a pyramid scheme where they keep your money, lend it to others, and if you're lucky, after one month they give you money stolen from other victims. Wise is not a big company. It's just a small website run by a few people, with nonexistent customer service. I have been sending about 20 emails every day since they apparently stole my money 3 weeks ago, and only have received one copy-paste answer saying "our customer service is currently receiving a lot of requests". Wise does not have a phone number.

Seems this company is into full time scam. I transferred money from INR to GBP 20 days back. Initially they started coming up with false reasons that account names does not match etc. and I patiently gave them all evidences and documents. Once they realised that these lies cannot go any further they simply stopped responding. So currently they are not doing the transfer, not allowing me to cancel, chat option has disappeared. Seems they are planning to run away with all the customer money. Can somebody suggest what the helpless people like me do?

I decided to try Wise for a global money transfer trying save money over using my bank. My bank allows Interac transfers to wise and that was the cheapest fastest option. Problem began when they did not confirm receipt of my funds for 3 days. Interac takes hours not days. Then I contacted customer support only to be told that they were holding funds for 15-16 banking days to carry out "security checks". I then asked how long it would take to get my money back if I cancel. Reply was same - transfer or cancel. Why need security checks if cancelling? So they will hold my money for 3 weeks before before even getting an answer what happens next. Will update here but at this point I feel using wise was a big mistake.

1400 EUR transfer of mine returned from receiver bank account to Wise and in application it appears to be returned and money paid out. However, it was never paid out by Wise and my money is literally disappeared. I contacted Wise. It has been over two weeks and no response yet from them. It is very disappointing. My money is lost because of Wise. I have every proof from both sides that money was not paid out but still no response from them. I do not recommend them if you care about your money.

Warning!!!! Don't use this app, this is a scam, I tried to add 1000$ to my Wise card from my bank account, the money sent to account that I don't know, I tried to call wise without any success, I chatted and explained the situation, every time with different person, they keep write me that the money sent to the wrong account which I know and explained from the beginning, this games keep going 2 weeks, don't use them, I lost the 1000$, there is no way to report them because they are international.

Wise did not transfer my money, failed to contact me about the reason why my transfer could not be done, customer service lied about emails that were not sent to me (they said they had been sent, which is absolutely not true), then they closed my account and did not refund me the 900 euros of the pending transfer. This money is mine and wise simply stole it without reason. I am speechless. I will contact my lawyer as there must be a way to get my money back. Do not use them!

It is not clear why, Wise, blocks accounts and our money? In one person and the court and the prosecutor! Or just scammers! Wise stole $650 from me. We write complaints at the place of registration of the company (Great Britain "FCA" - Registration number **).

Do not trust Wise, They are like a scam. I send money and they did not transfer my money and they are holding it. They are not completing the transfer. Also they are not sending my money back. DO NOT USE this website. You will lose your money.

Updated on 08/02/2022: BEWARE! If it hasn't happened to you now, it could happen at any time. They banned my account and just haven't responded for a month. I sent them an appeal, but no reaction. They didn't explain to me what exactly I violated, I just asked the customer support about crypto. Look at their rules if you didn't read them and think about safety of your money: «25.2 We may suspend or close your Multi Currency Account and/or Wise Account without notice in certain circumstances. We may at any time suspend or close your Multi Currency Account and/or Wise Account and/or end this Agreement without notice if: (a) you breach any provision of this Agreement or documents referred to in this Agreement;...» That is, they can ban you and not explain anything and simply stop responding as they did to me.

I initiated a transfer through Wise and it was smoothly done without any hassle but now when they already charged me in my debit card and the money was supposed to reach my receiver, they are asking for the extra documents. That does not make sense at all. If you require the paperwork, then why not ask before the transfer. Then, when I wanted to cancel the transfer, they said, customer service cannot handle it, only the higher authority can perform it. Absolutely pathetic, they are mishandling my money. Wise needs to work on their regulations and stop customers from having a bad experience.

I am having to desperately write a review given their customer support system appears to function very much so like a Facebook. No one contacted me or attempted to resolve the issues I and my company are now facing. Interestingly once your accounts are blocked you have no access to them so you are unable to access their customer support system through the app and all of your information is no longer available.

My business account has been blocked in April, they didn't even call me, just an email ended up in the junk folder asking for some details. After some time I contacted them to understand what was going on. I realized they asked me some questions. I provided the answers but several weeks later my account is still blocked and I get no answer to my emails. I won't trust this people with my money anymore.

Having been with Wise (formerly Transferwise) for over a year or so, I was pleased with their flexibility as far as money transfers were concerned. Although, as previously stated by other account holders, the 'clunkiness' of their communication system generally left a lot to be desired. This was particularly relevant when I had my account hacked twice within a period of three months (December 2021 - March 2022), which for me was a stressful and worrying experience. The explanation from Wise was that somehow somebody had hacked their official phone line and were hence ringing customers purporting to be Wise representatives. So, this happening once was bad enough, but to happen twice and understand that their telephone system was still susceptible to hacking, was too much for me.

I initiated my transfer 4 days back. They are still doing background check, especially their Indian partner banks are worst and not responding timely for verification of an Indian account. They have taken money from my Indian ICICI account but yet not replied why they haven't yet been able to transfer to Canadian account. I also called on their UK customer support and had a talk with Mr. **.. He also assured that all my verification process is complete. But still there is delay due to partner bank which is ridiculous.

Wise.com's Mishandling of my US$2000 Transfer from Paypal. I would like to report Wise.com's weird payment behavior to you as follows: My name is Minghua ** from Hangzhou, China. I have been Wise.com's client since April this year. Wise.com, formerly Transferwise.com is a payment service registered in the UK and I have conducted some investigations before becoming its client.

Wise. I've waited many days and you don't give me a solution, you are harming my household economy, you have had me for several days and you don't give me an answer if you are going to return my $12,000 because I need it. Until when do I have to wait Wise. I can't be calm.

They closed my business account for no reason, I live and operate in EU and they closed and said, "We are not here to provide reasons, we just close your business with no warning upfront to withdraw your client's money!" Maybe because of a grant we won from a startup accelerator! So Wise doesn't work with EU startups anymore? Transfer paused (#**).

Wise (TranferWise) are offering a referral program. They are not paying once they get a referral from you but only after 3 referrals are actually making transfers. During the last several years I have referred about 40-50 customers to Wise. I did get my referral fee for those referrals who started making transfers. At this time point, I have about 30 referrals who opened a bank account and still did not make any transfers. Recently, I have received a payment for my US real estate investing activity. Wise rejected receipt of the amount into my bank account. They asked for supporting documents, which I have provided. Wise suddenly surprised me with a vague message saying I no longer fit their "risk policy profile".

Wise is involded in the practice of holding customers' and clients' funds for 3-6 months after closing the account while collecting interest on these balances. On numerous occasions they will claim the funds are being sent back and that there is nothing they can do to expedite the process. The fact of the matter is Wise knows exactly where "your funds" are and are holding them in an interest bearing account collecting interest on hundreds of thousands of clients' and customers' funds. When they finally decide the make a valid attempt at returning your funds it likely been right before they legally need to provide availability of these funds or return the money and close the account. Stay away as this company is extremely shady, and uses manipulative tactics to get new users' funds into their interest bearing accounts.

Transferwise take your money, then say they don't have sufficient documents to complete the transfer and that the transfer will be delayed. This is unethical. They should confirm that they have sufficient KYC before allowing you to make a transfer and debiting your credit card.

Do not fall for the cheap rate marketing gimmick. Absolutely pathetic customer service. Took our money over a week ago and asked for more documents for verification. Provided all documents and since then, no response. The online chat is worthless and has the same recorded message that our team is looking into it and may take 5-10 working days. That time has already come and gone. A huge mistake was made by our business to go with them.

Poor service. Wanted to make a transfer for some urgent work and I was told that they were running some checks so it would be paid after 5 days. When I checked after 5 days, it is still showing as running checks. So I called to get some help and I was advised that it's a part of regulation that the check they were doing and it would take another 5-20 working days. I told them to cancel the transfer and I was advised that it will be reviewed by the review team and then the cancellation will be confirmed. What a service they provide. As a customer, I paid for this but they just provided a poor service or no service at all! Avoid.

When I send a second email asking, they said it was my bank. Useless. My money is gone. I'll never use them again.

I chose Wise because they advertise 60 min transfers. After they take your money they delay the transfer by 5 days, then two weeks and longer. I have asked for the refund on the 3rd of May. 10 days later I still have not received my money neither the recipient. Surprisingly they have glowing reviews on TrustPilot.

After making an account, I tried to transfer money from Singapore to the UK. Wise took the money and then without warning deactivated the account. After two forms of ID were sent, the account remained closed. The money has not been returned after 1 month, and I'm now told it will take up to a further 60 working days for the appeals process. I need this money to pay rent. Completely unacceptable and untrustworthy. It is unwise to use their service!

I transferred $1,250 to my family in South America (Ecuador). The money was lost. I contacted Wise three times to ask for help to find the money but was told there was nothing to do but wait. It's been 4 months.

I use Wise to receive my monthly income between the USA company and my bank account in SA. On Tuesday 3rd May I initiated the transaction to pay the money into my local account. The estimate on their system was that I would receive the money on the 4th at 7 pm. Today is Thursday 5 May and Wise still has not converted the money to ZAR nor paid it out to my bank. They have been lying that I needed to fill the form-I fill in the reserve bank's form once a year only since I receive monthly payments in $$.

We have never had this kind of problem in our 30 years of experience with banks! Even when there are payment problems (which there are not), you can still access your account and use your money. Do you accept that your bank account is blocked, that you can't consult your account or pay your charges anymore...? Well, Wise can block your account and your money for a simple administrative question and without you being in the illegality.

For no reason Wise stopped transfer from one account to another in my own name - for more than two months they have not transferred or refunded - they have no policy in relation to how long they can keep the money for and it seems that no refund will be made. AVOID - it is a PURE SCAM.

I always transfer some small amount 400 USD to Georgia, usually the middle fee is 3 or 4 USD, however I just transfer 400 USD yesterday, they charged me 12 USD besides I paid for them 8 CAD already, it is really crazy, tried to call them, the phone is always busy.

I operated a Wise account from 2018 up to April 2022 with very little issues receiving payments as I freelance working with Upwork, Paro and a few US companies. I recently decided to formalize my services (bookkeeping and accounting) to gain more business and formed a company at the end of March 2022. I needed a business account, after doing some research, I applied for a business account with WISE. They came back after reviewing my legally opened company to say they deactivated my personal account because I "violated their terms of use policy" and I can either appeal or ask for a refund. I was pissed to say the least. So I asked to have a refund of my monies, that was 4/13. I called customer service and was told on the 18 or 19th that I would receive my monies the following day via ACH payment. It's now been 12 days for a 2/3 day refund according to their initial email to me.

Despite being a long time customer since 3 out of 4 money transfers since 04/03/2022 have been held up for days/weeks for alleged 'checking' procedures. Terrible service. I am still awaiting money from transfer o

I needed to make a payment from the United States to a freelance graphic artist in the UK. I filled out the Wise application which took a good amount of time and involved documents and sensitive information only for my transfer to be denied with no explanation. I emailed the service department and was told my transaction was denied for security reasons and that I would have to use a different card. I was using a JP Morgan/Chase debit card of a valid account with an sufficient balance. If you feeling like wasting a lot of time to just be give an excuse of why they won't fulfill your transaction this service is for you.

I got married and did a name change on my account, I provided Wise with my marriage certificate and ID and they froze my account and keep asking these documents all over again. It's the 4th day waiting and customer service keeps telling me that they have my documents and it takes 1-2 working days again for someone else to email me and ask again for the same documents. They do not think it's serious that all my money has been frozen for 4 days already.

I had referred someone to Use Wise, and I was shocked just a few minutes ago. The person I have referred to, use wise, has used it for over a year for a few transactions. A few weeks back, she sent a small payment of £55 to her uncle as a gift to his oldest daughter; she put Ahmad in the reference, and guess what? The system identified that as a threat and requested the full details of Ahmad!!! The payment has stuck for weeks now, and every time they send an email saying that the other request takes four days to respond as if they are inventing something. I feel disgusted with this company's prejudice, and I use them every week. It is time to part ways and take my business to a place where equality and diversity are adopted and respected rather than dealing with racists.

I am frustrated by this service as it used to be pretty good at quickly transferring forex. Now it's in shambles, and I've had to reverse all my recent transactions as they simply take my money, find some pretext for not forwarding, and end up parking it in their account until you can finally get a human to wire it back to you. I don't know if they're dishonest or simply incompetent, but they're sort of like the Spirit Airline of the Banking World: They're cheap, they're slow, and you don't ever know if your plane will ever take off. Mine didn't three times in a row so they wasted a lot of time and goodwill with the people who were waiting for this money that never arrived.

I have been using Wise since 2018 for sending money regularly to my home country, and so far, everything was fine until last month. I made a transfer of CAD 2000, and instead of prompting me to choose which debit account I wanted to use, the transaction went successful without my acknowledgment. The next day I received noticed that Wise used my old bank account which no money inside. I immediately top up the balance to make sure there's money when Wise deduct from the bank. Wise did deduct the money, but then they returned it back and closed my account after that. I'm so confused by what they did. I contacted them and explain the issue. However, they just told me that they chose to closed my account, even though that was their fault.

Wise has been a nightmare. You setup a transfer and then it is Russian Roulette about whether the transfer will occur or whether it will be cancelled by someone in their compliance team. Wise don't flag that you have a problem with your account. They simply stop the transfers you are doing and return any monies you have received, and then they tell you there is a problem that you need to rectify. If you were receiving funds, you then have to go back to the person who provided it and ask them to do the transaction again.

I did the transfer of a big amount of money with the goal to deposit it to my EU account since we just moved here. Wise kept it for days, didn’t transfer my money, then said my bank refused the transfer, which is not true. My bank check and it was not a single sign of incoming transfer. I had to threaten them with police only then they said that their bank, Wells Fargo refused the transfer, not mine. Almost a month it took them to give me my money. THIEVES AND LIARS. DO NOT USE THIS COMPANY!!! I highly recommend you to avoid them at any cost. THE WORST. No CS, they email you back once a day, not more. You can lose your sleep while waiting on them to fix the problem they caused.

We have had a business account with Wise (TransferWise) for years and their service recently has gone completely downhill. Our clients have had 4 transfers blocked by them in the past week alone. They send an automated e-mail requesting personal information from the clients (which no other bank does) and even when they we supply Wise with the information they do nothing about it. They also refuse to discuss anything with us and simply copy and paste completely useless replies.

On March 9th, I wired money to help a friend in Ukraine get food. Wise took the money immediately out of my account, yet here, on 3/21, friend never received and now Wise is giving me a difficult time returning my money. On 3/15, I sent more money to friend using Western Union and the money arrived in 2 days with no issue. Wise is a scam. It appears they tie up people's money and collect interest for weeks and make excuses to not pay or return. Stay away from this company if you need to wire money internationally.

My company's account was blocked on the 17th of February, without any previous notifications. I was supposed to be contacted by a team for the refund of my company's money in a delay of 10 days, since I made the refund request, the 17th February. On the 01st of March, Wise changed the delay for the refund of the money, from 10 to 60 working days. I think WISE doesn't understand the gravity of the situation.

Please do not use this site as they keep your money hostage for weeks claiming they need more information. Isn't it already enough that you have to upload your Passport info? That alone should not be allowed. I just got a notification that they canceled the transfer after a week of having my money—no reason given. Now let's see how long it takes them actually to refund it. I'm disgusted by this service!

I used to transfer my money with Wise, until today. I needed $150, Wise confirmed the recipient will receive $150 charged $6. No worries there. After 3 days the recipient informed me only $116 arrived. Customer service was simply saying I didn't read the conditions. When I showed the screenshot, simply said "the bank has eaten your money". No more credibility now. I lost $40 for a simple $150 transaction.

After I wire my US$ to Wise account, they asked a lot of documents and confirmations and after four days they cancelled my transfer wasting my time and money. I called them and they said that cancellation was because the exchange rate have changed during their processing time. Why they didn't tell me?? Wise customer service is the worst I ever seen. I don't recommend this company.

Hi, I used Wise as you promised a trouble free quick transfer, not only has my transfer not been completed, now my account has been deactivated for no reason, I supplied the documentation you requested with 4hrs of receiving email. No further request has been received. My shipment has now been delayed by one week and I may have to wait even longer if I do not get payment to them in next 24hrs. When I went to appeal I got the screen below claiming the email I am sending this email from is not valid. This is despite your company receiving emails from me since last Thursday. I will have to take this up with fair trading NSW, I expect a prompt response as to the reason my account was cancelled. I should have gone with torx FX or send. At least my money would be there by now. Thank you for letting me down so completely.

I had to receive payments from an advertising partner through the Wise platform. I had no choice but to sign up if I wanted the money. The site looks great and honestly puts Paypal and others to shame in terms of UI. During the signup flow, you're required to deposit/pay $20 to set your account up. I think the first option listed is to use a credit card--with no mention of extra fees or anything. Of course, I did that. Weeks later I got smacked with a $10 transaction fee from my bank and DAILY compounding interest charges since my required payment for signup was treated as a cash advance. Seeing as how I was then able to transfer the money, it *was* a cash advance. I now see that plainly. But, why not warn me?

Updated on 01/28/2022: Wise closed my account from one day to the next and without warning me and left me without all my money, which I earned in an honest way by giving language classes. After many days without any kind of response by email, I finally got their reply but they responded only with evasions, without giving me a precise answer about when they are going to refund my money or how long they are going to take to do it. It is really a company that I do not recommend to anyone because of their lack of seriousness and what they are doing is a total scam. I demand an immediate response and my money back! They are holding $45,000.00 with no responses other than it's in review. They received the funds, but will not refund.... No Reasons for not sending funds back.

Infuriating! So time-consuming to set up the account - so many different ways to verify my identity. Put $ into account, as requested, which was supposed to take up to a day to be verified. Today I get a message that I've been deactivated - NO EXPLANATION!!! Maybe I shouldn't worry, but I'm anxious that they've stolen my information.

1. Whenever rate of a currency-pair changes rapidly, WISE-SCAM starts. If it appreciates 5% or more shortly (e.g. within the agreed period of guaranteed rate) WISE cancel your transfer, even though the rate was guaranteed. On the contrast, if rate depreciates more than 5% they will not inform you, will not cancel, because they can make extra profit. If your amount is relatively higher like 5-10K or more, Wise will deactivate your account without any info!!! Then there is no way to get the related info, even after hundred calls. Only option, you will have to appeal, because you are a criminal, you made a crime, Wise just punished you.

TransferWise deactivated my account on 18 November 2021 with $50,000 in my account. I need my money back!! TransferWise, please stop holding people's hard earned money with no tangible reasons and stop destroying lives.. #STOPTRANSFERWISESCAM STOPTRANSFERWISESCAM STOPTRANSFERWISESCAM STOPTRANSFERWISESCAM

If you need a bank account to get paid don't use Wise. I have been using wise for a few years now with no problem and decided to take advantage of the direct deposit feature.. I am working in another country and hadn't yet gotten settled and in order for my employer to pay me, I needed an IBAN, etc. Set up a wise.com account to get paid and everything was going well until SUDDENLY my account is deactivated right before payday, and right before the holidays..

Very bad experience with Wise bank, they close my wife's account without intimation & not giving refund of 1200 pound. There is more than 3 months and very frustrated, 1200 pound is very amount as Indian, specially students pls don't open account.

Before I sent the site said it will be there is 20 minutes, 10 days later no updates, they didn't ask for additional information and they do not care. Just lip service. No real reason. You are better off using a carrier pigeon.

Think twice before you use Wise to have a monthly social security check deposited. They held up my SSA monthly retirement payment (which they have received every month) for a "sanctions review". This is to "verify" my monthly payment and it came in on a Friday! Can you believe this company would withhold a monthly retirement payment when it is clear where it came from? Do NOT use this company.

Updated on 12/15/2021: Wise closed my account from one day to the next and without warning me and left me without all my money, which I earned in an honest way by giving language classes. After many days without any kind of response by email, I finally got their reply but they responded only with evasions, without giving me a precise answer about when they are going to refund my money or how long they are going to take to do it. It is really a company that I do not recommend to anyone because of their lack of seriousness and what they are doing is a total scam. I demand an immediate response and my money back!

Long story short: Wise is supposed to refund me a transfer for an important amount of money (> $25,000), but they haven't done it and more than one month has passed since the moment I made the transfer.

I opened a Business account in USD to receive client payments. One overseas client, a major oil company pays me from their London based account. Initially each payment was notified to me the day it was paid and became available after a couple of days. For the last few months however I no longer get notified and it's been taking up to a month for the money to appear. I've contacted customer service numerous times just to be told "we are carrying out checks and the money will be available shortly". Appalling customer service so I now closed my account.

I had used reliably for 2 years making near 100 transfers, and even recommended to others. But recently I made a transfer and funds not received of yet. It is more than a week since expected and funds were already taken from the sending account. The receiving bank researched and never received. Both sender and receiving bank say problem is with intermediary, "Wise". Wise only says it is "pending at receiver partner" and be patient. They do nothing but wait for this partner to reply; they don't guarantee anything nor will return funds. From customer perspective, money is just gone and they won't make things right as cost of doing business and retaining me as a customer. No way to file dispute.

This is the worst company! Please don't transfer big amounts with them. I lost $5K a month ago and these people will not do anything to recover your money. I have been on the phone with them every day, emails but nothing. Please be careful, It is better to pay more but have better protection. Don't use them.

DON'T TRUST YOUR MONEY TO THESE GUYS! I AM WARNING YOU!!! I have worked with Wise for the past year and so and never had a problem, everything seemed great. I have never had a credit card in my life as I have been fu$%^ by banks in the past. I have decided to trust Wise with my money at it seemed all very clear and low fees on transactions. I even get my salary paid there!

We used this service to pay an overseas vendor who later had to issue us a refund. Since we paid using Wise the vendor was constrained to refund using Wise. It's been two months and we still don't have our money. The vendor provided full documentation that the refunds was done in the right way. Repeated inquiries to Wise customer service yields a very unhelpful "and an update on the transfer status has not yet been advised by our partner". I'm sorry but that simply doesn't hold water after two months, in these days of instant funds transfers. Stay away.

Very bad experience with Wise. I just wasted 6 months. You do not get proper answer, you get a surprise of the year. After I set up an account (waiting/chasing for 2 months), they abruptly closed my account (citing **). They made a mistake, I got penalized. Very bad customer service. You get reply from five different people, diff opinions. Will not recommend for INR. Very very disappointed.

More and more evidence is pointing that Wise (transferwise) holds your money for months to earn interest. Do not use Wise (transferwise). Their customer service will keep telling you that they are performing financial checks or they are processing, but according to a former employee they only hold money to earn interest on it.