Wise

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 resolve it, close to 7 hours on the phone, multiple emails, every time I call I describe the issue to… Read more

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.

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.

Wish could give negative stars. Difficult to setup account. Easy to deposit funds into. Then they closed the account, with no reason given. Have to appeal to get money back. When submit appeal need to re-supply all ID documentation again.… Read more

Originally said 2 days, then said 5 days. Money not back after 11 days. Submit complaint now saying 15 days to get money back. Do not deal with them

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

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.

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.

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!

Terrible. Will close my Wise account. DO NOT deal with Wise. Impossible to get acceptable help from customer service. I was asked to provide bank statements, Tax Returns, screen shots of my online banking, letters for a personal family loan to get x1 amount of $2650 AUD transferred to another Wise account. Then I couldn't get my own Wise account… Read more

money transferred back to my own bank and was required to complete even more red tape. Still not resolved. Worst experience ever with a financial institution.

Wise started good,sent a test 100euro from Belgium account to Aussie account, then 3000euro to Aussie account, no problems. On the third attempt i tried another 3000euro but was blocked awaiting "verification documents" sent a couple of tax returns but they wanted payslips (i am self employed) 3 months of banking details,3 months of customer… Read more

invoices, and lots more information. I bought my house with less paperwork. A ridiculous waste of time why did the first transactions work? the amount of documentation they asked scared me, I cancelled the account and asked that my drivers licence, tax returns and selfie be wiped from their computers. Who knows if they will do that!! good luck!

I have used Wise for many years; however, significant customer service issues have caused serious disruption and miscommunication for my business. Previously, I closed a Wise Business account due to inactivity. Years later, upon restarting my business operations, I opened a new Wise Business account and completed all required verification steps.… Read more

Although the account was initially approved, Wise closed it shortly thereafter and refunded my funds without providing a clear explanation.

When I contacted support, I was instructed to reactivate my original account instead. I complied, reactivating the old account and undergoing the full verification process again. Wise subsequently confirmed that the account was ready for use. However, I was unable to create an AUD account to receive deposits. This issue persisted for weeks, resulting in unnecessary delays and frustration.

After multiple exchanges with support, I was informed that my account was “not verified,” despite having already completed their verification requirements. Eventually, I was permitted to create an AUD account, and I initiated a fund transfer. This transfer was subsequently cancelled. Wise stated the failure was due to the funds not being transferred within 24 hours; however, Commbank places mandatory holds on transfers to new accounts, a factor outside my control.

I then contacted Wise support by phone and completed the transfer process while on the line. Although Wise received the funds, they still refused to approve the transfer, citing a need for further verification.

This experience caused significant delays, confusion, and unnecessary business disruption. Most concerning is Wise’s ability to approve an account, later restrict it, demand repeated verification, cancel transfers, and leave customers without reliable access to their funds or services.

Reliability and trust are essential for any business. In my experience, Wise failed to deliver on both. If your business depends on smooth cash flow, timely transfers, and clear communication, be aware of these potential risks. I spoke with several agents and was prepared to close my account permanently. However, after a final call in which an agent provided a proper explanation, the matter was eventually resolved after three weeks. Overall, the communication and service were poor, ultimately eroding trust in their banking services.

Anyone reading this - joined wise and transferred the $30 to set up and went through immediately. Sent another $500 the same day and nothing, 3 days later still nothing. Back and forth with the morons running the show and nothing. 7 days later still nothing and wanting more and more details. Extremely unprofessional to the point of almost… Read more

fraudulent actions. I will share this experience on as many posts and platforms for wise as I can to try and stop others from making the same mistake. They are not interested in getting resolved, instead make excuses around timeframes.

Years ago I 'enrolled' with Wise then didn't go any further after reading the reviews here - which are generally not great. Many others in other forums are better though so why the difference I wonder? Anyhow on the basis of those good reviews a week or 2 ago I got back into their site, paid the requisite $30 deposit to activate my account,… Read more

applied for a physical card (have already received a digital card) and was preparing to deposit more money so that I could use the card while travelling in out of the way places where currency is less straight forward. So it was all organised - I thought. Then today I got an email telling me my $30 transfer was cancelled so they were refunding it, no explanation. The funds left my bank account 8 days ago so what transfer was cancelled? I didn't want to cancel the account and I would like an explanation but they are deliberately uncontactable except for robots (we know about that) so I provided copious details and was then asked to provide a 'transfer' number and by the time I got back with it the chat had closed and disappeared - deleted after 5 minutes - and all my previous info was gone. I've searched for ways to contact them - it's difficult to what advantage? I've managed in out of the way places before.

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.

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.

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.

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… Read more

company. Lost small amount but it was the start. Wisecard launched a review, agreed with me about the 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!!