Wise Terms of Use

This document is the Wise US Customer Agreement governing personal account holders' use of Wise's money transfer, multi-currency account, debit card, and interest-bearing services, with the stated legal basis being a binding contractual relationship formed upon account registration. The agreement states that Wise may suspend or close accounts at its discretion, that fees are disclosed separately and subject to change, and that users authorize Wise to collect and share financial and identity data for compliance and service delivery purposes. The agreement includes a binding arbitration clause with class action waiver, limiting users' ability to pursue collective legal remedies, which is a significant but not uncommon provision in US financial services agreements; applicable law may constrain enforcement of certain waiver terms depending on jurisdiction. The agreement engages US money services business regulations administered by FinCEN, state money transmitter licensing frameworks, and consumer financial protection requirements overseen by the CFPB and FTC; compliance exposure varies by state given Wise's multi-state licensing structure and the differing protections afforded to consumers in states such as California, New York, and Texas.