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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Where appropriate, you may appeal the decisions you think were made in error.
Your account has been inactive for more than two years.
If you think we should not have banned or suspended your account, or restricted your access to features of the Platform, you may submit an appeal through the functionalities provided...
"We may suspend your Profile or Wise Account, or restrict its functionality if we have reasonable concerns about: (a) the security of your Wise Account or your profile. (b) suspected unauthorized or fraudulent use...Excerpt from Wise's Terms of Use (Superseded URL)
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The clause states: “We may suspend your Profile or Wise Account, or restrict its functionality if we have reasonable concerns about: (a) the security of your Wise Account or your profile. (b) suspected unauthorized or fraudulent use...”
ConductAtlas has identified this type of provision across 277 platforms. See the full comparison.
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