Wise for Business is not your best option for Australians. They make the process of signing up a complicated one. Pay good attention between your legal entity, your company name and your ABN. They don't seem to understand the difference between an ABN/ACN. Their customer services from the Chat and from the email support are not connected, they… Read more
don't reach each others chats and every time you connect again you need to go through all of our past conversations over and over again.
They struggle with international transfers from banks in APAC other than the well known jurisdictions like Australia, Singapore, etc. They reject transfers for st^pid reasons, like not adding the "pty ltd" at the end of the account name, even when the account number and the company name is still exactly the same.
Randomly locked our account (business account for an Australian accounting firm) this morning without warning or communication. When I called they couldn't tell me why and could only say someone will get back to me. Very poor customer service
Unfortunately it's not possible to give zero stars for this company. Do yourself a favour and don't waste your time. Much better options available. If you don't experience any issues I imagine you'll be ok but if you do, be prepared to be passed along a parade of randoms who never read case notes, that's assuming there are any. And don't ever assume you'll be given a reason for any decisions that are made.
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/
AVOID!!! Absolute nightmare to deal with and have no regard for Australian Financial Services Laws or Consumer Rights. In short, opened personal account with view to transferring $AUD1000 to a sick relative. Everything was easy and looked good so I used Wise's supplied PayID to deposit the money from my Australian bank account. Seemed to go… Read more
fine, the funding should be instant. But when I went to log back in to my Wise account it stated that my account had been deactivated and my funds would be returned. This was bizarre as I had done all the ID checks and set up additional security on my account as I do not normally transfer money internationally. I appealed this with Wise (a process they said can take up to 30 days!) provind them with a selfie holding my ID to my face, my Australian drivers licence (front and back!) and the transfer receipt from my Australian bank, thinking surely this was just a glitch in their systems. Nope - they replied back that they were keeping my account closed and this was final. My money would be returned after they did their 'due diligence'? Despite their 24/7 customer service claims their chat has been non-functional for 2 days, their phone number does not work and emails get cut & pasted responses where they claim that they cannot tell you anything(they literally claim they cannot tell you ANYTHING about why your account is closed!). The arrogance and lack of consumer support is appalling - they are literally in breach of all kinds of Australian Financial Services practices - I would urge people who are new to transferring money to use another provider as there is no focus on customer satisfaction or common sense with this disgusting company.
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.
Tried sending money to my Wise account using PayID email. My bank refused the transfer as the PayID was unusable. Spent 30 minutes on the phone to Wise to be told their system had supplied an incorrect PayID email address and there was nothing they could do about it. I asked them to confirm the PayID address, but they refused. I asked them to… Read more
supply a new PayID email address, and they said they couldn't as it is unique to my wise account. See email below. The email says use PayID...which I have already told them doesn't work. What a stupid unintelligible response. If they can't rectify simple problems like this, then what happens if your money goes "missing"? What a bunch of amateurs. I'll be closing my account and using a professional company in future.
Latest follow-ups
I am so frustrated with Wise. I have been struggling for almost 3 months just to get an old account working again. Apparently my old account was closed for a reason unknown to me. The email that was linked to my phone number is not in use any… Read more
longer. I found a link to enable the account again but you have to fill in and supply an insane amount of info. It takes so long that the process times out every time. I then tried the process of linking my phone number to a new emails. Thats does not work either because at step 2 they send you a 6 digit number. None of the option on how to receive the number works. On the help page I found a place to click to "Contact us" That takes me to a page that want my email and password again. Back to step one.
Follow-up · Feedback to questions I have been asked on the review. 1. The keep on sending me links to log on. The issue is with my log on. The process to follow in the standard links they sent me is not working due old emails linked to my wise account and at the same time lost log in info associated to the wise account. 2. A validations code that is… Read more
What a trash service, took hours to enter all my personal details and document, made a transfer and paid the funds to wise and they cancelled my transfer and have not refunded my money or allowed me to send money to the recipient. Avoid, absolute scammers
Follow-up · Standard KYC, all provided, then business details, have I ever issues in my business, no, all business details, registration, bank statement, copy of bill being paid, source of funds, reason for transfer, all provided, recipients details, all provided, how I know recipient, had we ever met in person, all provided. It took a week after depositing… Read more
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Trip to Sth Africa, Zimbabwe and Botswana last month. Applied for a Wise card, no issue. First time I used the card it was blocked. 2nd and 3rd time blocked. Reason on the email was Politically Exposed Person....what does that mean???? After… Read more
numerous emails to Wise asking what happened and what PEP meant, I got an email after I got home to say my account was reactivated!!! Really!!!! Still no reason from Wise as to why I was blocked! Lucky I had a credit card backup. Not happy at all with Wise! Never use them again and never recommend them to anyone. If my family wasn't with me on my trip, I would have been in deep financial trouble!
I've been back at home for 2 weeks now and I STILL do not know why I couldn't access MY money. Appalling customer service
Follow-up · Zero response from Wise - obviously DON'T CARE. Customer service does not exist in this company!
Positive reviews
Your face recognition software failed for me multiple times. Now I have $30 in my wise account without any way of getting it back. Terrible experience. I have used wise in the past to send money, but receiving money is a nightmare. Not even your feedback form works. I have sent the screenshot of the failure to your chat team. Edit: The issue was… Read more
eventually resolved and now that I use wise it's a great service. I have updated my review from 1 to 4 stars. The sign up was still very cumbersome and didn't work well for me.
Used it last year for overseas travel in Italy and just got back from Japan. Best travel card I have ever used, not a single problem on either trip. Very happy with speed of adding funds and exchange rate. Will use it again when I travel.
Recently used & set up my Wise card for the first time on an Classic European 19 day tour. Easy to set up on line, absolutely easy to use in 9 countries. My only hic up was when I hadn't noticed a scan on the side & tried to tap. Did not know my pin number. Another person on the tour had Wise & told me how to retrieve my pin. After that definitely no problems. Will use for my next travels. Soooo easy
Negative reviews
Wise have bordered on the verge of negligence. I reported a fraudulent transaction on Dec 11th. It was straightforward transaction to another Australian bank. I waited for them to credit the fraudulent transaction to my account. After seven weeks, I contacted them and they told me that they hadn't even investigated the fraud. They suddenly… Read more
thought that we'd better do sonething. They half heartedly got back to me and incredibly said that I'd made the transfer. Needless to say, they made an excuse that they couldn't get it back. Incredibly poor and amateurish customer service. I refuse to use this company now.
I signed up, giving all my details. the last step was to add money, which I thought that I would first recieve the card and then just prior to travel, load it up, so I just backed out of the window that was requesting my bank details. I then waited for more than a week for the card to arrive. When it didn't, I logged back in, to see where the… Read more
card is, as I am travellilng OS in a few days. Wise had not sent the card. They wont send my card until I have loaded it up and they have all my bank details. VERY DODGY.... Looks like we will use our normal cards when OS. Wise, now have all my details #WiseTravelCard #Dodgy
I wanted to use Wise payment system on my trip overseas. Before I left for Vietnam I have sent small amount of $25 to my lady friend in the Philippines that I have sent funds before. When I was in Vietnam I got email from Wise asking for additional information due to regulations asking for payment reason and who is the person and my relationship… Read more
to the recipient. I told them that I am not a criminal as I am just sending small amount to my friend in the Philippines and I will be going there soon. Is it AI doing it?Don't you have enough people with brains that can do the job? While in Vietnam I have sent $27 to another friend in the Philippines. I received email from Wise asking what kind of transferes I make and the reason for it. They asked for bank statement my card is attached to. Must be from the account I receive income. They must show transactions from the past 3 months. The latest date on the statement must be today or yesterday. I told them that is violation of my privacy and harassment. They advised me that my account will be closed on 1 July 2026 for violating their policy where they don't support illegal services including Adult Content. I asked what am I being accused of? They did not explain. I asked to put me in contact with the management and who is the fool running this company? I said if I have to provide so much information to send a small amount that is inefficient, that is not Wise that is st^pid. I advise everyone to stay away from this company that invades your privacy and makes unsubstantiated accusations.
Recent reviews
Is I started using wisecard when travelling overseas. Worked well as debit card.. Returned to australia and then my card got checked by several companies in USA. Wisecard alerted me to suspicious transactions, and then bang was debited by USA company. Lost small amount but it was the start. Wisecard launched a review, agreed with me about the… Read more
hack, but also claimed they couldn't return the money. So if you get hacked WISECARD wont support you in any way>>>Look elsewhere to aust company. Luckily the amount was small, but the lesson was BIG!!
We have spent an hour trying to sign up. First theres no confirmation email sent, tried numerous times so another family member tried, straight through. Then trying to do the photo verification and verification, what a joke! Then onto chat to get help another joke now the has timed out and expired. What’s the alternative to Wise? We’ve wasted enough of our life span trying to figure out how to join they can get stuffed!
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Been 6 weeks now and my money is still not returned. They said I ID issue, thats why I cant access my account and provided my ID then my account got reinstated, then tried to transfer my funds back to me, I had issue with my Laptop that I used. Then i had to download malware and send them a screen shot etc etc. Email trail has been going back and… Read more
front about the malware etc etc. I just need my funds back and I will be closing and NEVER USE WISE AGAIN. If Wise is reading this.. JUST SEND MY MONEY BACK
The company are usuing false claims to gain maximum transfer rates. I tried to transfer money to my own account overseas. The amount was small but "Guaranteed to arrive in seconds." I was then told a technical glitch at my bank and the transfer will take 4 days. I repeated the transaction on Remitly and the money was in my account in 4 minutes.… Read more
Wise are holding funds until they deem higher exchange for them. a FRADULENT PRACTICE as there was no technical glitch with my bank at all.This isnt the first time that Wise has withheld funds, Also i tried to cancel the transfer, but Wise have taken the money.
I have used my wise card through Europe, Indonesia and Australia. Great concept however it without reason randomly declines payments including at businesses where it had previously worked. Wise card is UNRELIABLE and you must have a back up option to pay otherwise you will have a lot of grief. Contact with the help centre simply tells me it is not their issue. AVOID AT ALL COST. Show details
Worst Customer services !!! I have got multiple queries with Wise, none resolved. In each case they have to investigate the matter further & that's the end of the matter. 27 emails later & matter is still unresolved.
Wise do not have functional problem resolution and are only contacted by chat. Email and phone contact is blocked! I'm currently travelling in Brazil. Wise blocked a transfer i made to top up my account. 2 days now and I cannot use my account! I tried Chat for 2 days, but no progress! This is the second time in 3 weeks they have done this! Show details
If I could give negative stats I would!! Your money is not safe with wise. I was tipped off by a vendor almost $2000 and because the ve for disputed my claim they upheld the charge on my account!! Terrible customer service and a nightmare to communicate with! STAY AWAY FROM WISE!!!!!!
I was an early adopter of Wise and it was fantastic, one of the lowest fees offering in the industry. Over the years I've noticed that the fees, and the exchange rates have increased with aggressive frequency. In my latest trip abroad I did a side by side test, withdrawing the same amount of the local currency from the same ATM using my Wise and… Read more
my ING cards. The funds taken out of my account were $39 dollars more from Wise than ING
Guess which bank lost a customer today?
Hi WISE WISE DO NOT USE FOR OVERSEA TRANSACTIONS AS ALLOW SCAMS TO GO UNDETECTED I found the customer service extremely poor when dealing with a suspected fraud situation. • There was no real-time fraud detection or warning before large unexpected charges were processed. • The dispute process was slow, rigid and heavily document-driven, with… Read more
very little practical assistance offered. • Support responses felt scripted and procedural rather than focused on resolving the issue. • I was effectively left to gather evidence and pursue the merchant myself, despite the transaction being disputed. • Communication was limited and lacked urgency, which is frustrating when your own funds are at risk.
While Wise is generally competitive on exchange rates and transfer costs, the experience highlighted a key weakness: When something goes wrong, the level of protection and hands-on support can fall well short of what you might expect from a major financial provider.
Other customer feedback online also notes delayed responses and difficulty getting meaningful help in fraud cases or account issues, even though many users still rate the platform highly for low fees and fast transfers. 
Overall: Good for everyday travel spending and transfers. Not ideal if you value strong fraud intervention, fast dispute resolution, and proactive customer support.
Subject: Re: Wise Card Dispute – Travelgrouppay
• The website displayed a USD $20 button to obtain the Thailand arrival card. • I clicked the $20 option to proceed. • At no point did I agree to pay USD $79.99 per person. • The additional USD $79.99 × 2 was not clearly disclosed to me before payment.
I only became aware of the two USD $79.99 charges when I checked my Wise account after the transaction was processed.
After attempting to revisit the website, it could not be reached. I also attempted to contact the merchant via the email provided, but the email address returns an error stating it does not exist.
I did not receive any proper receipt or invoice showing the higher amount prior to payment. The only amount presented to me at the time of clicking was USD $20.
To clarify regarding services: • I submitted details for a Thailand arrival card application. • However, the dispute relates to misrepresentation of the price charged, not simply the availability of a cheaper official site. • The amount debited was materially different from the amount presented when I clicked to proceed.
Please proceed with the chargeback under misrepresentation of services and undisclosed charges.
I have attached all screenshots available, including: • The $20 application page • Proof of the Wise charges • Email bounce-back responses • The website being unreachable
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