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
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.
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This Agreement is governed by and construed in accordance with the laws of the State of New York and the laws of the United States, without giving effect to any conflict of law principles.
These Terms shall be governed by and construed in accordance with federal law and any applicable laws of the State of New York (without regard for conflicts of law principles).
For Users within the United States: The laws of the State of California.
"To the extent permitted by applicable law, this Agreement and any dispute between you and Wise is governed by federal law and the laws of the state of New York, without respect to its conflict of laws principles.Excerpt from Wise's Terms of Use (Superseded URL)
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The clause states: “To the extent permitted by applicable law, this Agreement and any dispute between you and Wise is governed by federal law and the laws of the state of New York, without respect to its conflict of laws principles.”
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