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This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
“If we change the Agreement in a way that reduces your rights or increases your responsibilities, we will provide you twenty-one (21) days prior notice.”
“You and we agree to arbitration for all disputes or claims between you and us, regardless of legal theory, whether based on past, present, or future events, that arise out of or relate to this Agreement...”
“If you do not wish to arbitrate, you have 21 days to reject section 28.2 by sending a rejection notice to the Notice Address above.”
“you agree that you will only exercise this chargeback right if: (a) We have breached this Agreement; or (b) There was an unauthorized use of your Pay-in Method, meaning that you did not execute or authorize the payment.”
“YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL PROCEEDING.”
“In the event of loss, claims, costs, or expenses (including reasonable legal fees) arising out of your breach of this Agreement, any applicable law or regulation...you agree to defend, compensate us and our affiliates and hold us harmless.”
This document sets the rules for using Wise's personal money transfer and account services. It makes your transactions final once you request them, limits when you can dispute a charge, and requires you to resolve disagreements with Wise through arbitration rather than in court — though you have 21 days to reject that arbitration requirement in writing. Money you keep with Wise is not covered by FDIC or other deposit insurance.
This Agreement establishes the terms under which customers may access Wise's Services, restricting use to personal purposes only and prohibiting speculative or arbitrage-driven currency activity. It renders transactions final and irrevocable upon customer request, limits chargeback rights to two defined circumstances (Wise's breach or unauthorized use of a Pay-in Method), and requires customers to indemnify Wise and its affiliates for losses arising from the customer's breach of the Agreement or applicable law. The Agreement mandates binding arbitration covering all disputes regardless of legal theory, paired with mutual class action and jury trial waivers, while preserving a 21-day window for customers to opt out of arbitration. Adverse changes to the Agreement are subject to a 21-day advance notice requirement, and Wise may close accounts and terminate Services without notice or penalty in cases of misuse. Funds held with Wise carry no automatic deposit insurance protection, including FDIC coverage.
As a Wise customer, your use is restricted to personal purposes — business use violates the Agreement and can result in immediate account closure without notice. Transactions you request are final and can only be reversed in narrow circumstances set out in the Agreement or required by law, and chargebacks are available only if Wise breached the Agreement or your Pay-in Method was used without your authorization. All disputes with Wise must go through individual arbitration rather than court, and you waive both class action participation and jury trial rights; however, you can preserve your right to litigate by sending a written rejection notice to the Notice Address within 21 days of agreeing to these terms. Funds held with Wise are not automatically covered by any deposit protection scheme, including the FDIC.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
3 important changes detected
8 versions captured · Latest change detected by ConductAtlas: September 2026
Wise updated its Terms of Use on May 15, 2026 to add three new provisions governing FedNow instant payment transactions. The updated terms now state that Wise accounts can receive …
View change record →“If we change the Agreement in a way that reduces your rights or increases your responsibilities, we will provide you twenty-one (21) days prior notice.”
“You and we agree to arbitration for all disputes or claims between you and us, regardless of legal theory, whether based on past, present, or future events, that arise out of or relate to this Agreement...”
“If you do not wish to arbitrate, you have 21 days to reject section 28.2 by sending a rejection notice to the Notice Address above.”
“you agree that you will only exercise this chargeback right if: (a) We have breached this Agreement; or (b) There was an unauthorized use of your Pay-in Method, meaning that you did not execute or authorize the payment.”
“YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL PROCEEDING.”
“In the event of loss, claims, costs, or expenses (including reasonable legal fees) arising out of your breach of this Agreement, any applicable law or regulation...you agree to defend, compensate us and our affiliates and hold us harmless.”
“YOU AND WISE KNOWINGLY AND VOLUNTARILY WAIVE THE RIGHT TO TRIAL BY JURY.”
“You may only use our Services for personal purposes and not as a business account or for business purposes.”
“You agree that you will not use your Wise Account for seeking to profit from currency conversion or foreign exchange trading or other types of speculative trading, or for speculative trading purposes, conversion arbitrage...”
“closing your Wise Account and terminating your access to our Services, which means your Wise Account is deactivated and/or your profile will not be available, without notice, and without penalty to us.”
“Pay-outs, currency conversions, Card, or other transactions executed by us are final and irrevocable once you request them, unless otherwise provided in this Agreement or pursuant to applicable law.”
“Money you hold with Wise, in any currency, is not automatically insured by any deposit protection scheme, including the Federal Deposit Insurance Corporation (FDIC).”
Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
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Cross-platform context
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