Provision record
Wise · Wise Terms of Use (Superseded URL) · View original document ↗

Guaranteed Rate Requires Timely Funding

High severity Explicit document language Common · 298 of 352 platforms
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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

Recent Activity

This document changed recently

Medium Jul 28, 2026

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 →

How other platforms handle this

Pinterest Medium

To the extent that any provisions in the Business Terms of Service conflict with these Terms, the Business Terms of Service shall govern to the extent of the conflict.

Snapchat Medium

Regardless of who terminates these Terms, both you and Snap continue to be bound by Sections 2, 3 (to the extent any additional terms and conditions would, by their terms, survive), and 6 - 25 of the Terms.

SoFi Medium

You agree that SoFi may contact you about any matter relating to your activity with, any inquiry submitted to, or any account or product you have with SoFi.

See all platforms with this clause type →
▸ View Original Clause Language DOCUMENT RECORD
"
We must receive sufficient funds from you during the Guaranteed Period to convert your funds at the guaranteed rate.

Excerpt from Wise's Terms of Use (Superseded URL)

Provision details

Document information
Document
Wise Terms of Use (Superseded URL)
Entity
Wise
Date stated by the document
Sept. 25, 2026
As printed in Wise’s text (version CA-V-007159), not a ConductAtlas date.
Tracking information
First captured by ConductAtlas
March 19, 2026
Text quoted from version
CA-V-007159, captured Sept. 26, 2026
Record ID
CA-P-036276
Document ID
CA-D-000265
Evidence Provenance
Source URL
Wayback Machine
Archived bytes SHA-256 (version CA-V-007159)
bb68eee0fc794bdd7f1aebb7e6d94118a88e359c3e4b16ae2e7a2c5fef564df5
Analysis generated
May 21, 2026 00:40 UTC
Methodology
Evidence
✓ Excerpt found verbatim in version CA-V-007159 (checked Oct. 5, 2026)
Citation Record
Entity: Wise
Document: Wise Terms of Use (Superseded URL)
Record ID: CA-P-036276
Version: CA-V-007159
Captured: 2026-09-26 00:44:02 UTC
SHA-256: bb68eee0fc794bdd…
URL: https://conductatlas.com/platform/wise/wise-terms-of-use-superseded-url/provision/CA-P-036276/guaranteed-rate-requires-timely-funding/
Accessed: Oct. 8, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does Wise's Guaranteed Rate Requires Timely Funding clause do?

The clause states: “We must receive sufficient funds from you during the Guaranteed Period to convert your funds at the guaranteed rate.”

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 298 platforms. See the full comparison.

Is ConductAtlas affiliated with Wise?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.