Wise extended the error reporting window for most transactions from 60 days to 120 days, giving customers twice as long to identify and report transaction errors. The company also reformatted its error definitions and exclusions by adding numbered lists for clarity, without changing the substantive categories of what constitutes an error or what does not. These changes make the error-reporting process more accessible by providing a longer window and clearer documentation structure.
The updated terms extend the deadline for reporting transaction errors from 60 days to 120 days for most transactions, doubling the time available to identify and report problems. The 120-day period begins from whichever occurs first: the day the error became visible in the online account history or the day Wise sent the first written statement showing the error. This change provides customers with a longer window to review transactions and report discrepancies before losing the right to dispute them.
→ Review the new 120-day error reporting deadline and note it in your records for future reference
→ If you have pending transaction disputes, verify they fall within the 120-day window from when the error became visible or when Wise sent the first statement showing the error
Extended from 60 days to 120 days for all transactions except Send Money transfers
Reformatted error categories and exclusions with numbered lists for clarity without changing substantive definitions
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
Wording edits to this record that do not change what it claims. Changes to a claim are published as corrections.
Wise has extended its error-reporting window from 60 to 120 days for non-Send Money transactions, aligning with or exceeding protections under Regulation E (which requires 60 days for unauthorized transactions but permits longer periods for …
Regulatory exposure, obligation change, escalation trigger, board-ready language, and recommended action for legal and compliance teams.
Unlock the full institutional analysis — InsightConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-X-004009.
Wise updated its Terms of Use to disclose that customer accounts may receive funds via the FedNow instant payment service. …
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