Wise expanded its error-reporting deadline for non-Send Money transactions from 60 days to 120 days, measured from when the error became visible in the account or when a statement was first sent. The company also reformatted error definitions and exclusion categories with numerical lists for clarity. These changes expand the window consumers have to report account discrepancies before the error-reporting period closes.
The updated terms extend the deadline for reporting transaction errors from 60 days to 120 days for all transactions except Send Money transfers. The 120-day period begins either from the first day you could see the error in your online account history or the day Wise sent the first written statement showing the error, whichever comes first. This change gives account holders twice as long to identify and report discrepancies before losing the right to dispute them.
The extended 120-day error-reporting window gives account holders significantly more time to identify transaction discrepancies before the dispute window closes. Under Wise's prior terms, an error discovered after 60 days would be outside the reporting period; under the revised terms, the same error reported within 120 days can be escalated to Wise Support.
→ Transaction errors reported more than 120 days after they first appeared in your account or on a statement will fall outside Wise's error-reporting window and cannot be disputed under this process.
Extended from 60 days to 120 days for non-Send Money transactions, measured from when error visibility occurs in the account or first statement is sent.
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
You now have twice as long to tell Wise about a transaction problem before you lose the right to dispute it.
Wise extended the error-reporting window from 60 to 120 days for most account transactions, aligning with dispute timeframes in certain regulatory frameworks. The change likely reflects compliance considerations under regulations like Regulation E (Electronic Fund Transfers Act), which establishes error-reporting deadlines for financial institutions. Organizations using Wise for business payments or settlement should note this extended window when documenting transaction review procedures, though the change generally favors consumer protection by providing more time to identify errors.
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-004009.
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