Version history

Wise changed the text of its Wise Terms of Use (Superseded URL), which now states its date as September 25, 2026.

Wise expanded its error-reporting deadline for non-Send Money transactions from 60 days to 120 days, measured from when the error became visible in the account or when a statement was first sent. The company also reformatted error definitions and exclusion categories with numerical lists for clarity. These changes expand the window consumers have to report account discrepancies before the error-reporting period closes.

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 funds via FedNow, that FedNow transactions are processed in real time and generally cannot be canceled or reversed once completed, and that Wise may decline incoming FedNow transactions at its discretion for security, compliance, or operational reasons. Sending payments via FedNow is not currently available. These additions establish operational and procedural boundaries for a specific payment method without modifying broader settlement finality language.