CA-C-001105
Wise — Wise Terms of Use
Entity
Date detected
April 19, 2026
Effective date
April 19, 2026
Severity
Low
Direction
Neutral
Affected users
all users
Changes
6 sentences modified
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Event Summary

Wise made minor updates to its Terms of Use on April 19, 2026, primarily administrative in nature. Most changes involved updating section numbering, clarifying terminology (removing the word "business" from the account definition), fixing a spelling error ("dispersed" to "disbursed"), and updating their New York office address. These changes do not materially alter consumer rights, obligations, or protections.

LOW

Consumer Impact

These updates are primarily administrative and do not materially affect consumer rights, data handling, fees, or account protections. The changes include updating Wise's New York office mailing address, adjusting section numbers, and clarifying that Wise Accounts are multi-currency accounts (removing a reference that had previously specified them as business accounts). Consumers may need to note the updated address if they need to send legal notices by mail to Wise.

Governance Analysis

The updated address ensures that legal notices and formal correspondence reach Wise at the correct location. The clarified account definition removes any ambiguity about whether standard Wise Accounts apply only to business customers, though this appears to be a clarification of existing practice rather than a substantive policy change.

Key Clauses Affected

Contact and Legal Notice Address

Updated from 19 W 24th Street to 30 W 26th Street, Floor 6, New York, NY 10010 for legal notices and correspondence.

Wise Account Definition

Removed the word 'business' to clarify that the account applies to both individual and business customers.

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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

Evidence Verification

✓ Verified
Previous Version
c4c9457dfd8557d19125b5e64b04967942757a776f411f0c05be7f760141ff44
March 19, 2026 15:03 UTC
✓ Verified
Current Version
354484aa4da6921d5b740f817925755952c2195d6ca2779af69e0383bc37d994
April 19, 2026 06:24 UTC
✓ Verified
Change Detected
April 19, 2026 06:24 UTC
Analysis Methodology
✓ Verified
Source Document
https://wise.com/us/legal/terms-of-use
Citation Record
Entity: Wise
Document: Wise Terms of Use
Record ID: CA-C-001105
Captured: 2026-04-19 06:24:35 UTC
URL: https://conductatlas.com/change/2026-04-19-wise-wise-terms-of-use-1105/
Accessed: May 13, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
For legal and compliance teams

Institutional Analysis

Assessment

Wise updated its Terms of Use with administrative and organizational changes on April 19, 2026. The modifications include updating the company's legal address, renumbering sections, removing the word "business" from the standard account definition, and correcting a spelling error. These changes do not alter compliance obligations, data processing authority, or dispute resolution mechanisms. No regulatory exposure is created by these updates. Organizations with Wise in their vendor stack may update internal reference documents accordingly, but no material changes to data processing agreements, privacy notices, or vendor contracts are triggered.

Full compliance analysis

Obligation analysis, escalation trigger, board language, and recommended action.

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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-001105.

Full Changes

See the full side-by-side comparison of every sentence added, removed, and modified.

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Document Context

Version history → Policy drift analysis → Document page →
Document
Wise Terms of Use
Entity
Wise
Captured
April 19, 2026
Source URL
https://wise.com/us/legal/terms-of-use
Other changes to Wise Terms of Use
Previous change Apr 16, 2026
Wise updated its Terms of Use on April 16, 2026 with mostly minor administrative changes. The company clarified that its …
Low Neutral
Next change May 1, 2026
Wise updated its Terms of Use on May 1, 2026, making two minor changes. The document's version number changed from …
Low Positive
View full version history →
More from Wise
May 1, 2026 Low
Wise Terms of Use

Wise updated its Terms of Use on May 1, 2026, making two minor changes. The document's version number changed from …

Apr 16, 2026 Low
Wise Terms of Use

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