| March 19, 2026 15:03 UTC | April 16, 2026 06:05 UTC | ||||
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| 51 | Sign up | 51 | Sign up | ||
| 52 | Customer Agreement | 52 | Customer Agreement | ||
| 53 | Wise US Inc. | 53 | Wise US Inc. | ||
| n | 54 | Last updated: 4 February 2026 - Version 1.0 | n | 54 | Last updated: 14 April 2026 - Version 1.1 |
| 55 | Go backIf you are a business, please see our Business Customer Agreement. | 55 | Go backIf you are a business, please see our Business Customer Agreement. | ||
| 56 | Welcome to Wise | 56 | Welcome to Wise | ||
| 57 | This Customer Agreement applies to our products and Services. It describes the r | 57 | This Customer Agreement applies to our products and Services. It describes the r | ||
| > | ights and obligations of you and us and forms a legally binding contract between | > | ights and obligations of you and us and forms a legally binding contract between | ||
| > | you and Wise when you register and use our services such as sending money to yo | > | you and Wise when you register and use our services such as sending money to yo | ||
| > | ur friends and family or holding a balance with us. | > | ur friends and family or holding a balance with us. | ||
| 82 | 11. Currency Conversion | 82 | 11. Currency Conversion | ||
| 83 | 12. Information About Your Wise Account | 83 | 12. Information About Your Wise Account | ||
| 84 | 13. Withdrawing Funds From Your Wise Account | 84 | 13. Withdrawing Funds From Your Wise Account | ||
| n | 85 | 14. Reversals and Chargebacks | n | 85 | 14. Reversals, Chargebacks, Unauthorized Transactions and Error Resolution |
| 86 | 15. Maintaining Your Wise Account | 86 | 15. Maintaining Your Wise Account | ||
| 87 | 16. Jars | 87 | 16. Jars | ||
| 88 | 17. Using or Spending Funds in Your Wise Account via Direct Debits | 88 | 17. Using or Spending Funds in Your Wise Account via Direct Debits | ||
| 128 | Reversal means the funds received by you are reversed, returned, or clawed back | 128 | Reversal means the funds received by you are reversed, returned, or clawed back | ||
| > | for any reason. For example, due to insufficient funds or account closure. | > | for any reason. For example, due to insufficient funds or account closure. | ||
| 129 | Services means all products, services, content, features, technologies, or funct | 129 | Services means all products, services, content, features, technologies, or funct | ||
| > | ions offered by us and all related websites, applications (including the App), a | > | ions offered by us and all related websites, applications (including the App), a | ||
| > | nd service models (including the Website and via an API Partner), and including | > | nd service models (including the Website and via an API Partner), and including | ||
| > | the Wise Account, the currency conversion, and Money Transfer offerings. | > | the Wise Account, the currency conversion, and Money Transfer offerings. | ||
| 130 | Website means any Wise webpage, including but not limited to www.wise.com, where | 130 | Website means any Wise webpage, including but not limited to www.wise.com, where | ||
| > | we provide the Services to you. | > | we provide the Services to you. | ||
| n | 131 | Wise Account means a business multi-currency account held by customers at Wise, | n | 131 | Wise Account means a multi-currency account held by customers at Wise, which may |
| > | which may include a Jar. | > | include a Jar. | ||
| 132 | 3. Who We Are and How To Contact Us? | 132 | 3. Who We Are and How To Contact Us? | ||
| 133 | 3.1 Company Information. Wise US Inc. is a company incorporated under the laws o | 133 | 3.1 Company Information. Wise US Inc. is a company incorporated under the laws o | ||
| > | f Delaware. Our registered office is located at 30 W 26th Street, Floor 6, New Y | > | f Delaware. Our registered office is located at 30 W 26th Street, Floor 6, New Y | ||
| > | ork, NY 10010. This office is for Wise employees only and is not publicly open t | > | ork, NY 10010. This office is for Wise employees only and is not publicly open t | ||
| > | o you or any other customers or members of the public. | > | o you or any other customers or members of the public. | ||
| 134 | 3.2 Licensing. In the United States, we are licensed as a money transmitter in t | 134 | 3.2 Licensing. In the United States, we are licensed as a money transmitter in t | ||
| > | he states listed here. We only offer our Services in the states in which we are | > | he states listed here. We only offer our Services in the states in which we are | ||
| > | licensed or in the states that do not currently require us to be licensed to pro | > | licensed or in the states that do not currently require us to be licensed to pro | ||
| > | vide our Services. In other US states, we only offer services in conjunction wit | > | vide our Services. In other US states, we only offer services in conjunction wit | ||
| > | h our partner financial institution(s). The terms and conditions governing those | > | h our partner financial institution(s). The terms and conditions governing those | ||
| > | services are located here. | > | services are located here. | ||
| n | 135 | 3.4 How to Contact Us. You can contact us by email, web chat, by calling 1-844-9 | n | 135 | 3.3 How to Contact Us. You can contact us by email, web chat, by calling 1-844-9 |
| > | 26-4389, by logging into your Wise Account, or through our Help Center. | > | 26-4389, by logging into your Wise Account, or through our Help Center. | ||
| 136 | USING OUR SERVICES | 136 | USING OUR SERVICES | ||
| 137 | 4. Our Services Under This Agreement | 137 | 4. Our Services Under This Agreement | ||
| 138 | 4.1 Overview. Each of our Services works slightly differently, here we provide a | 138 | 4.1 Overview. Each of our Services works slightly differently, here we provide a | ||
| > | n overview of the services covered by this Agreement and the terms that apply to | > | n overview of the services covered by this Agreement and the terms that apply to | ||
| > | all the Services under this Agreement. You should carefully read the section of | > | all the Services under this Agreement. You should carefully read the section of | ||
| > | the Service you intend to use: | > | the Service you intend to use: | ||
| 228 | 9.6 You Are Responsible For Your Wise Account After Closure. You agree that you | 228 | 9.6 You Are Responsible For Your Wise Account After Closure. You agree that you | ||
| > | will continue to be responsible for all obligations related to your Wise Account | > | will continue to be responsible for all obligations related to your Wise Account | ||
| > | and your use of our Services, even after it is closed, or you have stopped usin | > | and your use of our Services, even after it is closed, or you have stopped usin | ||
| > | g our Services. For example, if you have a negative balance with Wise, you will | > | g our Services. For example, if you have a negative balance with Wise, you will | ||
| > | remain responsible for paying us even after your Wise Account is closed and/or y | > | remain responsible for paying us even after your Wise Account is closed and/or y | ||
| > | ou have deleted your profile. For more information, see Section 24.10 “What Happ | > | ou have deleted your profile. For more information, see Section 24.10 “What Happ | ||
| > | ens if You Owe Us Money.” | > | ens if You Owe Us Money.” | ||
| 229 | 9.7 Notice Termination. We may end this Agreement by giving you notice. We may t | 229 | 9.7 Notice Termination. We may end this Agreement by giving you notice. We may t | ||
| > | erminate this Agreement and close your Wise Account or any Services associated w | > | erminate this Agreement and close your Wise Account or any Services associated w | ||
| > | ith it at any time upon notice to you. | > | ith it at any time upon notice to you. | ||
| 230 | 9.8 You Cannot Use the App if This Agreement Ends. On termination for any reason | 230 | 9.8 You Cannot Use the App if This Agreement Ends. On termination for any reason | ||
| > | all rights granted to you in connection with the App shall cease, you must imme | > | all rights granted to you in connection with the App shall cease, you must imme | ||
| > | diately delete or remove the App from your devices. | > | diately delete or remove the App from your devices. | ||
| n | 231 | 9.9 Withdrawing Consent to Receive Communications Electronically. You may withdr | n | 231 | 9.9 Withdrawing Consent to Receive Communications Electronically. You may withdr |
| > | aw your consent to receive Communications electronically at any time through our | > | aw your consent to receive Communications electronically at any time through our | ||
| > | Help Center or by writing to: Wise US Inc., 30 W 26th Street, Floor 6, New York | > | Help Center or by writing to: Wise US Inc., 30 W 26th Street, Floor 6, New York | ||
| > | , NY 10010, ATTN: Wise Compliance. Should you choose to withdraw consent to rece | > | , NY 10010, ATTN: Wise Compliance. Should you choose to withdraw consent to rece | ||
| > | ive Communications electronically, Wise will move forward with closing your acco | > | ive Communications electronically, Wise will move forward with closing your acco | ||
| > | unt, which will be closed once all funds have been dispersed from the account. A | > | unt, which will be closed once all funds have been disbursed from the account. A | ||
| > | fter consent is withdrawn, you will not be eligible to use our services. If you | > | fter consent is withdrawn, you will not be eligible to use our services. If you | ||
| > | wish to reactivate your account and consent to electronic Communications, contac | > | wish to reactivate your account and consent to electronic Communications, contac | ||
| > | t the Help Center. | > | t the Help Center. | ||
| 232 | 10. How Much Will You Pay? | 232 | 10. How Much Will You Pay? | ||
| 233 | 10.1 Fees Incurred. Registering for Wise and/or opening a personal Wise Account | 233 | 10.1 Fees Incurred. Registering for Wise and/or opening a personal Wise Account | ||
| > | is free. You may incur a fee when you use parts of our Services such as sending | > | is free. You may incur a fee when you use parts of our Services such as sending | ||
| > | money, converting currencies, getting a card, or receiving wire payments. You ca | > | money, converting currencies, getting a card, or receiving wire payments. You ca | ||
| > | n find out more information about the fees we charge on the Pricing Page. | > | n find out more information about the fees we charge on the Pricing Page. | ||
| 234 | 10.2 You Must Pay Our Fees. We may not process your transaction(s) or provide an | 234 | 10.2 You Must Pay Our Fees. We may not process your transaction(s) or provide an | ||
| > | y other Services to you until we have received the fees from you. Our fees do no | > | y other Services to you until we have received the fees from you. Our fees do no | ||
| > | t include any fees that an API Partner, your bank, the recipient’s bank or other | > | t include any fees that an API Partner, your bank, the recipient’s bank or other | ||
| > | third party may separately charge. You can find out more information about the | > | third party may separately charge. You can find out more information about the | ||
| > | fees we charge on the Pricing Page. | > | fees we charge on the Pricing Page. | ||
| 500 | 27.3 Severability. Each of the paragraphs of this Agreement operates separately. | 500 | 27.3 Severability. Each of the paragraphs of this Agreement operates separately. | ||
| > | If any court or relevant authority decides that any of them are unlawful or une | > | If any court or relevant authority decides that any of them are unlawful or une | ||
| > | nforceable, the remaining paragraphs will remain in full force and effect. | > | nforceable, the remaining paragraphs will remain in full force and effect. | ||
| 501 | 27.4 Enforcement. Even if we delay in enforcing this Agreement, we can still enf | 501 | 27.4 Enforcement. Even if we delay in enforcing this Agreement, we can still enf | ||
| > | orce it later. If we delay in asking you to do certain things or taking certain | > | orce it later. If we delay in asking you to do certain things or taking certain | ||
| > | action, it will not prevent us from taking steps against you at a later date. | > | action, it will not prevent us from taking steps against you at a later date. | ||
| 502 | 27.5 Entire Agreement. This Agreement supersedes and extinguishes all previous a | 502 | 27.5 Entire Agreement. This Agreement supersedes and extinguishes all previous a | ||
| > | greements between you and Wise, whether written or oral, relating to its subject | > | greements between you and Wise, whether written or oral, relating to its subject | ||
| > | matter. | > | matter. | ||
| t | 503 | 27.6 Copyright Infringement Claims. The Digital Millennium Copyright Act of 1998 | t | 503 | 27.6 Copyright Infringement Claims. The Digital Millennium Copyright Act of 1998 |
| > | (the “DMCA”) provides recourse for copyright owners who believe that material a | > | (the “DMCA”) provides recourse for copyright owners who believe that material a | ||
| > | ppearing on the Internet infringes their rights under U.S. copyright law. If you | > | ppearing on the Internet infringes their rights under U.S. copyright law. If you | ||
| > | believe in good faith that materials available on the Site infringe your copyri | > | believe in good faith that materials available on the Site infringe your copyri | ||
| > | ght, you (or your agent) may send to Wise a written notice by mail, e-mail or fa | > | ght, you (or your agent) may send to Wise a written notice by mail, e-mail or fa | ||
| > | x, requesting that Wise remove such material or block access to it. If you belie | > | x, requesting that Wise remove such material or block access to it. If you belie | ||
| > | ve in good faith that someone has wrongly filed a notice of copyright infringeme | > | ve in good faith that someone has wrongly filed a notice of copyright infringeme | ||
| > | nt against you, the DMCA permits you to send to Wise a counter-notice. Notices a | > | nt against you, the DMCA permits you to send to Wise a counter-notice. Notices a | ||
| > | nd counter-notices must meet the then-current statutory requirements imposed by | > | nd counter-notices must meet the then-current statutory requirements imposed by | ||
| > | the DMCA. See http://www.copyright.gov/ for details. Notices and counter-notices | > | the DMCA. See http://www.copyright.gov/ for details. Notices and counter-notices | ||
| > | must be sent in writing to Wise as follows: By mail to Wise Legal Counsel, 19 W | > | must be sent in writing to Wise as follows: By mail to Wise Legal Counsel, 30 W | ||
| > | 24th Street, New York, NY 10010; by e-mail to legal@wise.com. | > | 26th Street, Floor 6, New York, NY 10010; by e-mail to legal@wise.com. | ||
| 504 | 27.7 Unlawful internet gambling notice. Restricted transactions as defined in Fe | 504 | 27.7 Unlawful internet gambling notice. Restricted transactions as defined in Fe | ||
| > | deral Reserve Regulation GG are prohibited from being processed through your Wis | > | deral Reserve Regulation GG are prohibited from being processed through your Wis | ||
| > | e Account or your relationship with Wise. Restricted transactions generally incl | > | e Account or your relationship with Wise. Restricted transactions generally incl | ||
| > | ude, but are not limited to, transactions in which credit, electronic fund trans | > | ude, but are not limited to, transactions in which credit, electronic fund trans | ||
| > | fers, checks, or drafts are knowingly accepted by gambling Businesses in connect | > | fers, checks, or drafts are knowingly accepted by gambling Businesses in connect | ||
| > | ion with unlawful Internet gambling. | > | ion with unlawful Internet gambling. | ||
| 505 | 27.8 Export Controls. You are responsible for complying with United States expor | 505 | 27.8 Export Controls. You are responsible for complying with United States expor | ||
| > | t controls and for any violation of such controls, including any United States e | > | t controls and for any violation of such controls, including any United States e | ||
| > | mbargoes or other federal rules and regulations restricting exports. You represe | > | mbargoes or other federal rules and regulations restricting exports. You represe | ||
| > | nt, warrant and covenant that you are not (a) located in, or a resident or a nat | > | nt, warrant and covenant that you are not (a) located in, or a resident or a nat | ||
| > | ional of, any country subject to a U.S. government embargo or other restriction, | > | ional of, any country subject to a U.S. government embargo or other restriction, | ||
| > | or that has been designated by the U.S. government as a “terrorist supporting” | > | or that has been designated by the U.S. government as a “terrorist supporting” | ||
| > | country; or (b) on any of the U.S. government lists of restricted end users. | > | country; or (b) on any of the U.S. government lists of restricted end users. | ||
| 506 | 28. Dispute Resolution | 506 | 28. Dispute Resolution | ||
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