Wise can change this agreement at any time, will post updates on its website and may email you about important changes, and if you keep using Wise after the change takes effect, you are considered to have accepted the new terms.
This analysis describes what Wise's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Your rights and obligations under this agreement can change without your explicit consent, and continued use of Wise after a change is treated as acceptance of new terms, even if you did not actively review them.
Interpretive note: The definition of what constitutes a 'material' change requiring email notice, versus a non-material change that only requires website posting, is not specified in the available excerpt, creating ambiguity about when consumers will receive proactive notification.
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.
View change record →Dramatically reduced the specificity of modification procedures by removing email/app notification requirements and implied consent mechanism, now simply referencing an external section.
View full change record →Added requirement to notify of 'material changes' specifically via email or app where legally required, and added Wise app as notification channel, providing somewhat more stringent notice procedures.
View full change record →If Wise updates its terms in ways that are less favorable to you, your only option to avoid the new terms is to stop using Wise and close your account before the new terms take effect, as continued use constitutes acceptance.
How other platforms handle this
Use another user's account or share your account with another person;
Keep usernames and passwords secure and confidential, and protect them from misuse or being stolen.
Set up multiple accounts for any person or entity in order to send similar content, unless you're part of a franchise or agency.
"We may update or modify this Agreement at any time. We will notify you of any material changes by posting the updated Agreement on our website and, where required by applicable law, by sending you notice via email or through the Wise app. Your continued use of our services after the effective date of any changes constitutes your acceptance of the updated Agreement.Excerpt from Wise's Terms of Use (Superseded URL)
1) REGULATORY LANDSCAPE: Unilateral modification clauses in consumer financial services agreements may require evaluation under the FTC Act's prohibition on unfair or deceptive acts or practices, particularly where material changes are not prominently disclosed.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
Your rights and obligations under this agreement can change without your explicit consent, and continued use of Wise after a change is treated as acceptance of new terms, even if you did not actively review them.
If Wise updates its terms in ways that are less favorable to you, your only option to avoid the new terms is to stop using Wise and close your account before the new terms take effect, as continued use constitutes acceptance.
ConductAtlas has identified this type of provision across 265 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.