Wise updated their Terms of Use on April 16, 2026, making several small but meaningful changes. The section on payment disputes was renamed to include 'Unauthorized Transactions and Error Resolution,' the definition of a Wise Account was broadened to include all customers (not just business ones), a typo was corrected ('dispersed' changed to 'disbursed'), and their legal mailing address in New York was updated. These changes are mostly administrative but clarify your rights around disputed transactions and ensure contact information is accurate.
The explicit addition of 'Unauthorized Transactions and Error Resolution' to the dispute section clarifies your rights if a payment is made without your authorization. The corrected legal address ensures any formal notices you send to Wise reach the right location.
Wise expanded its dispute section to explicitly cover unauthorized transactions and error resolution, which may strengthen clarity around how payment disputes are handled. The correction from 'dispersed' to 'disbursed' removes ambiguity about how your funds are handled if you close your account. The legal mailing address for sending notices has changed, so if you need to contact Wise's legal team by post, you should use the new address: 30 W 26th Street, Floor 6, New York, NY 10010.
Wise updated its consumer Terms of Use on April 16, 2026 (v1.0 → v1.1). Changes include: renaming the chargebacks section to explicitly reference unauthorized transactions and error resolution (touching Regulation E obligations for US electronic fund transfers), broadening the Wise Account definition from 'business' to 'all' customers, correcting 'dispersed' to 'disbursed' in the account closure clause, renumbering a contact section (3.4 → 3.3), and updating the legal mailing address. No significant new obligations are created, but the expanded dispute resolution heading aligns the ToS more clearly with Reg E language. Low urgency — routine update with no material policy shift.
1. Regulation E (12 CFR Part 1005) — The renaming of the dispute section to include 'Unauthorized Transactions and Error Resolution' more closely mirrors Reg E's error resolution requirements under 12 CFR §1005.11. This is a labeling alignment rather than a substantive change, but it signals Wise's intent to bring consumer-facing language into closer conformity with federal electronic fund transfer rules.
Compliance intelligence locked
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-000493.
ConductAtlas Policy Archive Entity: Wise | Document: Wise Terms of Use | Record: CA-C-000493 Captured: 2026-04-16 06:05:52 UTC URL: https://conductatlas.com/change/2026-04-16-wise-wise-terms-of-use-493/ Accessed: April 19, 2026
Wise made a minor structural update to their Terms of Use on March 20, 2026. The document was reorganized or …
Subscribe to Watcher for $9.99/mo to get email alerts the moment Wise updates their policies. Or try Professional free for 14 days.