Wise updated its Terms of Use on April 16, 2026 with mostly minor administrative changes. The company clarified that its account definition now applies to all customers (removing specific reference to 'business' accounts), updated its section on chargebacks and reversals to include unauthorized transactions and error resolution, corrected a section numbering issue, fixed two spelling changes (dispersed to disbursed), and updated its New York legal office address from 19 W 24th Street to 30 W 26th Street, Floor 6. These changes do not materially alter consumer rights or obligations.
These changes are primarily administrative and do not materially affect your rights, data, or account management. The updated legal mailing address (now 30 W 26th Street, Floor 6, New York, NY 10010) applies only if you need to send legal notices or chargebacks to Wise. The expanded section on 'Reversals, Chargebacks, Unauthorized Transactions and Error Resolution' clarifies that Wise's existing processes for handling these issues now explicitly reference unauthorized transaction disputes alongside chargebacks, but this appears to be a clarification of existing practice rather than a new right or limitation.
If you need to send a legal notice or formal dispute to Wise, you must use the updated address (30 W 26th Street, Floor 6, New York, NY 10010). The clarification on unauthorized transactions in the dispute resolution section confirms that Wise's procedures cover not only chargebacks and reversals but also unauthorized transaction claims, which is relevant if you experience fraud or unauthorized account activity.
Wise's mailing address for legal notices and counter-notices changed from 19 W 24th Street to 30 W 26th Street, Floor 6, both in New York, NY 10010.
Section 15 now explicitly includes 'Unauthorized Transactions and Error Resolution' alongside reversals and chargebacks, clarifying the scope of dispute procedures.
The definition of 'Wise Account' was revised to remove specific reference to 'business' accounts, now describing it as a 'multi-currency account' for all customers.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
This update is administrative in nature. The primary substantive change is the expansion of Section 15 to explicitly reference 'Unauthorized Transactions' alongside 'Reversals and Chargebacks,' which clarifies but does not materially alter Wise's dispute resolution procedures. The account definition change (removing 'business' designation) and office address update are clerical. No new regulatory obligations appear to be created. Organizations using Wise in their vendor stack should update internal legal contact records to reflect the new address for regulatory correspondence, but compliance obligations remain unchanged.
Full compliance analysis
Obligation analysis, escalation trigger, board language, and recommended action.
Watcher: regulatory citations + obligations. Professional: full compliance memo.
ConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-001283.
See the full side-by-side comparison of every sentence added, removed, and modified.
🔒 Full diff — WatcherWise updated its Terms of Use on May 1, 2026, making two minor changes. The document's version number changed from …
Wise made minor updates to its Terms of Use on April 19, 2026, primarily administrative in nature. Most changes involved …
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