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
This provision establishes that Delaware law governs the agreement and that any non-arbitrated disputes must be litigated in Delaware courts, which may create practical barriers for users located in other states.
Interpretive note: The enforceability of the Delaware governing law clause against consumers in states with mandatory consumer protection statutes may vary by jurisdiction and claim type.
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 →The specific court jurisdiction clause was removed and replaced with mandatory arbitration under AAA rules, eliminating users' right to pursue litigation in New York courts.
View full change record →Under this clause, disputes not covered by the arbitration provision are subject to Delaware law and must be brought in Delaware state or federal courts, regardless of the user's state of residence.
How other platforms handle this
In the EU and EEA, the choice of Texas governing law shall not apply only where a mandatory consumer protection law explicitly prohibits such choice of law provisions.
For any claims that are not subject to arbitration...U.S. Residents: Delaware law; venue exclusively in the state or federal courts in New Castle County, Delaware
These Terms are governed by the laws of the State of California and the United States without regard to conflicts of laws provisions
"This Agreement is governed by the laws of the State of Delaware, without regard to its conflict of law provisions. Subject to the arbitration provisions above, you agree to submit to the personal jurisdiction of the state and federal courts located in Delaware for the resolution of any disputes not subject to arbitration.Excerpt from Wise's Terms of Use (Superseded URL)
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This provision establishes that Delaware law governs the agreement and that any non-arbitrated disputes must be litigated in Delaware courts, which may create practical barriers for users located in other states.
Under this clause, disputes not covered by the arbitration provision are subject to Delaware law and must be brought in Delaware state or federal courts, regardless of the user's state of residence.
ConductAtlas has identified this type of provision across 267 platforms. See the full comparison.
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