Wise
ABN: 38616463855764 reviews
My wife and I got cards for a trip to the UK, they worked well. The problem was after we returned. There were some transactions in and out of my account which i did not do, nor authorise. They looked like money laundering. Wise locked my account. They said they sent me an email, but i have no record of it. It took months to sort out and they… Read more
finally unlocked my account. Now i have difficulty opening it due to their security hurdles. None of it works and i keep getting told to reset a password. I do that and it send me around the loop again. I have another trip coming up but i have no confidence in Wise and fear they will lock everything up again while we are away. Its a shame as they were OK but they seem to have become very poor.
Customer service is alive and well at Wise. I was pleasantly surprised that Wise were able to assist me with my enquiry in a prompt and efficient manner when I had issues with my newly opened account. A customer service representative phoned me to ascertain the issue and responded with detailed instructions on how to resolve my problem. My bank of… Read more
more than 50 years has never been able to provide this level of service. As a result of my experience with Wise, I will never again be subjected to the 3.5% surcharge on Foreign Currency transactions and extortionate exchange rate charged by my old bank.
My experience with Wise was absolutely terrible I have to say that my experience with Wise was extremely disappointing. Although customer support was available, no one seemed to have any answers or solutions to my problems. While I was overseas, Wise locked my account, and both my digital card and physical card were locked. This left me… Read more
effectively stranded without access to my money.
Thankfully, I had a backup means of accessing money. If I had been relying solely on Wise, I could have been in a very serious situation.
The experience was incredibly stressful. I was spending around an hour every day on my phone trying to get the problem resolved, with no satisfactory answers.
Unfortunately, the problems haven’t ended there. I recently transferred $1,500 from my Wise account back to my Australian bank account on 22 August, and I’m still waiting for the money to arrive, more than a week later.
After everything I’ve experienced, I will not be using Wise again. What should have been a convenient way to access my money overseas turned into a nightmare.
Based on my personal experience, I would strongly recommend having an alternative payment method and backup funds if you choose to use Wise. I certainly won’t be relying on Wise again.
Very disappointing experience.
Reviews with attachments
- +4
Wise transfer scammers – 31.05.2022 financial company "Wise", registration (Great Britain "FCA" - Registration number 900507). Closed my account - Account number 9600002340938596 Routing number 084009519. My Wise account is [Email Address Removed] At the time of closing the account, there was an amount of $ 650 on the account, as of 30.06.2022. Wise did not refund my… Read more
money, and did not provide my account statements, as of closing date 31.05.2022. Transactions for which Wise did not provide statements (these are internal transfers (receipt to the account) made in Wise): Sell 20.00 USD 30582.580000 Wise (TransferWise) 2022-05-30T14:18:54+03:00 B6kZJ4cyCSG WAk4fZM7Kiw Successful
Sell $21.60 30660.480000 Wise (TransferWise) 2022-05-30T14:42:28+03:00 dxcSvbFZ8zm WAk4fZM7Kiw Successful
Sell 349.00USD 30688.760000 Wise (TransferWise) 2022-05-30T17:32:40+03:00 xSDKXfT4K2C WAk4fZM7Kiw Successful
Sell 100.00 USD 30346.560000 Wise (TransferWise) 2022-05-30T16:40:49+03:00 b2CUo1qtaZ1 WAk4fZM7Kiw Successful
Sell 160.00USD 30360.760000 Wise (TransferWise) 2022-05-30T16:28:58+03:00 5gE8UhYeUbx WAk4fZM7Kiw Successful There is also a video from the screen, my account on the day the account was closed. Statements for these transactions, for which these transfers were made to me, through the Wise financial company and statements from the Wise company itself until the account was closed. At the time of closing the account, there was an amount of $ 650 on the account, as of 30.06.2022. Wise did not refund my money, and did not provide my account statements, as of closing date 31.05.2022. Complaints are posted here: https://wealthwatchs.com/about-us/ https://www.ic3.gov/Home/ComplaintChoice https://payback-ltd.com/ https://www.consumerfinance.gov/ https://cyberpolice.gov.ua/ticket/ https://www.ema.com.ua/about/ https://www.financial-ombudsman.org.uk/contact-us/complain-online https://dfpi.ca.gov/file-a-complaint/
- +4
Wise used to be an app focused on international currency transfers and conversions. But now their app devotes huge parts of the screen to up-selling you on a large number of features with hidden costs, privacy impacts, and risks. If you use it, ignore all the persistent pop-ups and buttons demanding you do more. From other reviews, I see they're… Read more
still having issues with ID verification. Years ago, I complained about it, and submitted a bug report with detailed reproduction steps. Seems like all the effort is going into shiny new features, rather than getting basic functionality working well.
Warning - do not use WISE. My brother has learning difficulties. They just locked my brother out of his account, took his money and closed his account. They did not provide any information, or reason. We tried to appeal, but they did not want to have any dialogue or communication. Such a shame that WISE did not attempt to help him or support… Read more
him. What ever happened to customer service? Or being solution focussed?. Shame on WISE - you should be ashamde of yourselves.
I WAS SCAMMED BY WISE I opened an account to send money overseas, the first transaction worked OK but there was obviously a fraudster working there as there was another unauthorized transfer of money from my bank to a metals company I've never heard of, after research I found it is a scam. I tried to resolve issue with no luck and got ripped off for $272, I had to cancel my bank card attached to my wise account
P94740658 I would not touch them with a 10 foot large pole first they sounded great then I’ve been to transferred $200,000 Aud into 140,000 US > They requested me to provide sales proof Of the property and then they allow the transaction to go ahead. I transferred a few thousand dollars to my account and next thing they Constantly bombarded me… Read more
for request for ID and bank statement, even though it’s provided And I continue in interrogate me to the point. I’ve had a gut full of I’m receiving message at 123 o’clock in the morning asking me non stop for information that I have fully provided to the point I have even gone to AFCA and ASIC I would find other alternative services than this one. My membership number is up there so they’ll know who this is. No one deserves to be treated like this and I am looking at filing a lawsuit against them.!
I’m writing because Wise has held my money since 14 November, after closing my account, and despite nearly a month of communication and providing all requested information multiple times, I still have not received my refund. I have no way to access my account, no clear explanation, and the delay is causing serious issues for my business. My name… Read more
is Juan, a former Wise customer, and this is the only way I have left to reach someone who can actually resolve this. Below is a concise timeline of everything that has happened.
Timeline of Events 14 November
I made a payment intended for an import company in Colombia.
15 November
Wise requested additional information. I provided it immediately.
16 November
Wise closed my account without a clear explanation. I submitted an appeal in the app.
17 November
My appeal was denied. I was told my refund would be issued within 2–3 days via bank transfer.
20 November
No refund was received. Because my account was closed, I had no access to the “Contact” button and could not reach support.
24 November
I created a second Wise account solely to contact support and request the refund.
1 December
Support said they were unable to refund to the original account and asked me to provide an alternative.
3 December
After finding the email in my junk folder, I provided alternative bank details immediately.
5 December
A support agent asked me to confirm details already provided. Another agent then said the refund details did not match the original sender name, even though I had already supplied both personal accounts under my name and business account details.
I sent all possible accounts again to avoid any further delays.
6 December
Another agent requested the same bank details again. I resent everything once more.
At this point I began lodging a formal complaint with VCAT in Australia, as the situation appeared unresolved and unreasonable.
7–9 December
Multiple agents replied saying my request had been “forwarded,” but no refund was processed.
10 December
I received an email saying “Get your refund,” which links to a login page — but since Wise closed my account, I cannot log in to retrieve anything.
Current Situation
Wise has held my funds since 14 November
I have provided every requested document and bank detail repeatedly
I cannot access my account
Multiple support agents have responded without progress
This is severely disrupting business imports and obligations to my associates
Never ever use this app. Worst customer service. Take ages to transfer money. Worst service. Please dont use this app and loose your money. Maybe its a scam.
I recently transferred money through TransferWise (Wise), and the experience was extremely disappointing. They displayed a higher exchange rate before I transferred the funds, but immediately after sending the money, the rate dropped and I ended up receiving less than what was shown earlier. This feels like a very cheap and misleading tactic.… Read more
Customers expect transparency, but this experience was far from honest. I will not be using their service again and cannot recommend it to anyone looking for a reliable and trustworthy money transfer platform.
I transfered my first installment of my tuition (100 000 SEK to AUD) using Wise and have used them before for smaller sums, without any issue. I transfer the money immediately but since I am in Australia with a time difference to Sweden my bank did not open until the next day. However, I was going to be within the hours approved for a locked rate.… Read more
I made a second payment for a significant lesser sum at the same time, which reached my friend with no issue. I get approval from Wise that they have received my money, and monitor my uni website to see it reaches them as well.
It took a couple of days (over the weekend as well) but then one day I see it made its way but that I still owe 35 AUD. Not a lot, but I don't understand how it happened. I think I made a typo, but I go to check and I have not. The app says nothing about the sum I sent not having reached my recipient (which is their own words, "type in the sum and the recipient will receive exactly that"). Thank God I had transfered with a margin to my university's deadline, and I write to Wise to fix the issue.
They then claim I sent in the money too late. I transferred it immediately! And the other transfer had gone through without any issues. Wise demands proof of my transfer. My screenshots were not sufficient "because they can easily be edited", so the ask me to get a Proof of Payment. At first they are reluctant to even share how many hours the rate was locked for, and it can't be found on any receipts from them or in their app, but finally they confirm it was locked for 18h46min. I remembered it saying 23h but I didn't know I had to screenshot it (just sheer luck/old habit that I screenshotted the confirmation of transfer, even though they did not accept it) and have no way of proving it now.
Following their instructions, I contact my bank and they say that it is something they can only provide me with for a fee. I write to Wise to ask that if I pay for this, will they be able to transfer the remaining sum to my school, but they take back the confirmed hours saying it was actually shorter and claims I missed it and "initiated the payment" a time that my bank is willing to provide proof for that I did not (it was transfered as soon as my bank opened and my customer service chat corroborates that, not to mention me fully willing to pay for the official "letter" from the bank to prove this). This is after a week of back and forth.
They finish their last email with "Let us know if you have any more questions", which I do and I reply, to then receive a "We don’t monitor this email address". I am so disappointed, I feel taken advantage of and disrespected and I will never use Wise again, and would like to warn everyone that they are not an honest company.
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Latest follow-ups
Be very careful with Wise. I was using Wise to transfer money to my partner of 2 years and her children in the Philippines. I am the breadwinner for the family. Wise closed my account without warning and I have no access to the funds in the account.… Read more
There, of course, was no explanation or reason given, but I believe it was because my partner, at my insistence, moved into a new house and I sent larger sums of money to pay for new furniture and appliances. As I said, the account was closed without warning or reason given and I have been given no access to the money that was in that account.
Follow-up · Wise did refund the money though they never communicated with me as to how or when it would happen. My partner in Manila and her family suffered terribly from the recent floods there, because of Wises shutting my account without warning it severely restricted my ability to help them through this disaster.
Good experience when sending money to myself – I think Wise is a great company for transferring money between countries and currency to yourself. They might be better companies out there, but Wise (Previously known as TransferWise) has been good to me. I do not use them as a credit card, bank… Read more
or payment service. I only use them to transfer money to myself, so there is no risk of disputes over the payment. This could explain why I have avoided the bad experiences that some other people have had.
Follow-up · The transfers are very fast. From what I remember, it used to take a few days. My last 2 transfers was completed in hours. Admittedly, I was not sending huge sums of money. It was only a few thousand USD. As far as I know the exchange rates are competitive. The fixed fees are great when compared to most regular banks that charge a percentage of… Read more
After using Transferwise, now Wise for almost 10 years with no issues I received ‚Confirm Your Identity’ message in the app. The app does not work to confirm my identity (will not accept a selfie photo no matter what). Close to 10 phone calls to… Read more
resolve it, close to 7 hours on the phone, multiple emails, every time I call I describe the issue to another person that keeps me on hold, asks for information that I provide, a promise is made that it will be resolved in a day or two, and nothing happens. I can call again, and do it over again. Will not use their service to transfer any money, will look for an alternative as they no longer can be trusted.
Follow-up · Wise eventually organised a video call and manually verified my identity (all up from start to finish it took about 6 weeks and I spent about 8 hrs on the phone - multiple phone calls and one video call). They apologised for the trouble they caused and paid me $AU300 compensation for the time wasted, however, they followed up with an email saying… Read more
Positive reviews
Used Wise for the first time. It was a large amount and I was very cautious, and diligent in learning their software and process. Their chat was exceptionally clear and helpful. I made sure i provided all documentation on both sides of the… Read more
transaction and was prepared for any issues. The whole experience was seamless, their UI very easy to navigate. I never write reviews but I am very impressed with this company. This is not a paid endorsement, and NOT AI generated.
Follow-up · Transfer speed was fast. As in instantaneous. The relevant fees are available on their site. The rate was infinitely better than the scam that is the institutional banks.
My experience with Wise has been good so far. Travelled to HKG and Vietnam, without problem. Really liked the feature of sharing money with other account holders that can be limited by currency. Nice touch. Also transaction cost transperancy is very good. And did not have a problem with delays between account transfers after the initial transfer… Read more
was done. I never had to contact CS, so that may account for my 5-stars. Reading the review seems that some user's problems are self-inflicted (would you not clear your account before closing it?). Even with 5 star rating, I would NEVER leave home with just the Wise card in my pocket. I have an ANZ Visa backup that is alow working very well for me
On a recent visit to Hanoi, an atm malfunction left me $275 out of pocket when using my Wise Card for a cash withdrawal. Having supplied as much information as I could, concerning the Vietnamese bank and the atm in question, I waited as The Wise Card team attempted to resolve this issue. To my pleasant surprise I received an email from Wise Card… Read more
confirming that their efforts had been successful and full refund had been credited to my account. This outcome was not expected. I commend the Wise Card team and I am very appreciative of this outcome.
Negative reviews
After trying to take a selfie for 30minutes and getting please retry, I decided it was a waste of my time and uninstalled it. Frustrating!! No way you get new customers to use your app!
$5,309 lost to misrepresentation scam via Wise. CanadaGMC claimed to be licensed CICC consultants - confirmed not licensed by CICC. Wise denied dispute as unauthorized fraud when it was misrepresentation. I authorized transfer because I was deceived. After dispute, I received harassing calls from +1 343 Ottawa and recovery scam phishing email… Read more
asking to sign Conflict Resolution Form. AFCA case 12-26-455365 ongoing. "St George offered $1,988 partial under wrong code which I rejected as it doesn't cover full $5,309 loss" Wise survey asking if email was useful while I wait for AFCA shows no understanding of customer harm. Poor fraud coding and no due diligence on merchant.
they are very intrusive. if you are worried about identity theft do not use this platform. the amount of personal information you need to provide to an unknown platform is pathetic. even for a small amount of money.
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Recent reviews
They are asking for income proof documents and they are refusing each one of them. They are refusing Gevernment-issued documents! No explanation at all, they have me on a loop and I can't add money to my account. I want to close my account because of their malicious behaviour...and they don't allow me to remove the funds that are already in the… Read more
account. This is a nightmare, they don'T want to help. I have spent hours in their chat trying to have this issue solved and they just give polite answers just to basically say "yes, we are keeping your funds."
Don't ever use Wise. After 8 years being a client, they sent me an email asking for proof of why I sent money from EU to AU. Sold my house and trasferred money in 4-5 installments. In a week they closed my account. Appeal is handled by a bot in 10 milliseconds. This is a joke of a financial service.
Hello, I would like to state my review with my recent experience with Wise. I've been trying to submit different documents to further expedite the verification process of my account as I needed my funds urgently but their bot keeps rejecting my document submitted as a result my fund was held back from me for a long hours and it's frustrating to me… Read more
as this is my only sources of funds. I'd like to comment that they shouldn't do this to users that previously migrated to their app. These requirements shouldn't hold my money hostage. If they want documents I will comply as needed but how am i supposed to process when ALL MY MONEY was held hostage. Please do better WISE.
Worse customer service so far… Opened account. Trasnferred funds into it anc have to wait 30hours to clear.worse then the big banks. Payhetic servicr and the chatlady did not give me any confidence.
I have been trying to get a Wise Travel Card for over 3 months ... it accepts both sides of my driver's licence, then it asks for a selfie, I do that and it sends it right back to the beginning of the verification process, I cannot tell you have many times I have tried to do this. Customer Service sends me links to what I have already tried to do… Read more
including reinstall the app, clear caches etc etc, to no avail. Apparently its a security thing ... how is anyone going to get into my account when I cant even register it as being my account because both the online process and the app does not work? All I am trying to do is put $4k cash on this card - not attached to a bank account, not attached to a credit card, not attached to a savings account - none of that. Customer service tells me that the photos need to be in "real time", I am taking photos of my license and a selfie as I am speaking with customer service and forwarding them on - how is that no "real time"? And even if anyone got into my bank account, they cant do anything with it, nor can they do anything with my license number or email address ... it really should not be this hard ... if you looked at my licence photo, of which I have had a licence for over 48 years, why would you want to look like me? So frustrating ..... Privacy? Not sure about that
Wants customers to use the service but reluctant to pay out the referral bonus Pretty poor service and unprofessional too. Doesn’t want to pay out 3x $145 referral after all my referrals have met the conditions. Did not even provide and update on why they weren’t paying out, had to go through customer support myself. Customer service just… Read more
provided me the terms and conditions but doesn’t have a clue either. Tried to cheer up by saying, good news, you can still use the service . What’s good about that ?? Terms and conditions doesn’t lay out anything of my query either. Better companies out there, and will be moving out from this unprofessional + scam company.
Without any prior warning, my business account was deactivated. I only became aware of the issue after noticing account changes myself and contacting customer support. During multiple conversations, I repeatedly asked for clarification regarding the reason for the decision and whether there was anything I could do to address the issue. The… Read more
response was always the same: Wise could not provide any specific information.
I immediately submitted an appeal, despite not knowing what policy, activity, or concern I was supposedly appealing. The appeal was later denied, again without any meaningful explanation. Instead, I was directed to a generic page listing possible reasons accounts may be closed.
To make matters worse, I then received notice that my personal account will also be closed on September 15, 2026. Once again, customer support was unable to explain why the decision was made or what factors contributed to it.
My primary concern is not simply the account closure itself—it is the complete lack of transparency. As someone who relies on international financial services for both personal and professional purposes, I depended on Wise to help manage cross-border payments. Having both business and personal accounts terminated without a clear explanation creates significant disruption and leaves customers with no meaningful opportunity to respond, provide context, or correct potential misunderstandings.
I understand that financial institutions must manage risk and comply with regulations. However, customers deserve clear communication, transparency, and a fair process when decisions this significant are made.
At a minimum, I would like Wise to reconsider the closure of my personal account and improve its communication practices so that other customers are not left in the same position—confused, unsupported, and unable to understand why they are losing access to a service they have depended on.
Based on this experience, I cannot recommend Wise to other customers who rely on transparency, accountability, and predictable customer support.
Terrible service. Terrible support. I tried transferring a significant amount of money through this platform and it disappeared without a trace never to be seen again. Use at your own risk!
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