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This clause establishes Wise's operational authority to implement account controls and fund holds based on internal risk assessments, without advance notification requirements. The provision creates a framework where account suspension and fund retention occur as risk-management measures determined by the company's reasonable judgment.
The updated terms now authorize Wise to accept incoming funds via FedNow, a new instant payment service. The agreement states that FedNow transactions are processed in real time and generally cannot be canceled or reversed once completed, distinguishing them from traditional transfers that may have reversal windows. The terms also establish that Wise may decline any incoming FedNow transaction at its discretion where required for security, compliance, or operational reasons, without specifying advance notice or appeal procedures. Users receiving FedNow payments should understand that such transfers become final immediately upon completion.
View change record →Users accept that their accounts may be suspended and their funds held at Wise's discretion during periods when Wise assesses fraud or compliance risk, regardless of whether the user disputes the underlying determination. The terms do not specify a maximum hold period or require notice before suspension takes effect.
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"We may suspend or terminate your account and your access to Wise services, and/or take steps to prevent you from completing any transaction, at any time without notice if we reasonably believe: you are in breach of this Agreement; your use of the services poses a risk of fraud or financial crime to us, other users, or third parties; or we are required to do so by applicable law or regulatory order. In cases of suspension or termination, we may hold your funds for such period as we reasonably consider necessary to protect Wise against the risk of reversal, chargeback, or other financial crime.— Excerpt from Wise's Wise Terms of Use
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This clause establishes Wise's operational authority to implement account controls and fund holds based on internal risk assessments, without advance notification requirements. The provision creates a framework where account suspension and fund retention occur as risk-management measures determined by the company's reasonable judgment.
Users accept that their accounts may be suspended and their funds held at Wise's discretion during periods when Wise assesses fraud or compliance risk, regardless of whether the user disputes the underlying determination. The terms do not specify a maximum hold period or require notice before suspension takes effect.
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