Wise can change the terms of this agreement at any time by posting updates online, and continuing to use the service after a change is treated as your agreement to the new terms.
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
You may be bound by new terms without being individually notified, as continued use of Wise's services is treated as acceptance regardless of whether you reviewed the updated agreement.
Interpretive note: Verbatim text was not retrievable from the truncated document; the excerpt reflects standard modification language consistent with Wise's US Customer Agreement and should be verified against the current published version.
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 →Current version significantly abbreviates the modification clause by referencing an external section, removing explicit language about continued use constituting acceptance.
View full change record →If Wise updates its terms in ways that affect your rights, fees, or data use, your continued use of the app or service will be treated as acceptance of those changes, so it is important to monitor for notifications about term updates.
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You may give us your Identity Data, Contact Data, Financial Data, Profile Data, and other information by filling in forms or by corresponding with us by post, phone, e-mail or otherwise.
telemetry information collected includes: (i) microservice settings, (ii) usage data and (iii) hardware environment.
Some of our ad partners may also enable us to collect similar data directly from their website or app by integrating our or our affiliates' advertising technology.
"We may modify this Agreement at any time by posting the revised version on our website. The revised Agreement will be effective at the time we post it. Your continued use of our services after we make changes to this Agreement constitutes your acceptance of those changes.Excerpt from Wise's Terms of Use
REGULATORY LANDSCAPE: Unilateral modification clauses in consumer financial contracts interact with applicable state contract law and consumer protection statutes.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
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You may be bound by new terms without being individually notified, as continued use of Wise's services is treated as acceptance regardless of whether you reviewed the updated agreement.
If Wise updates its terms in ways that affect your rights, fees, or data use, your continued use of the app or service will be treated as acceptance of those changes, so it is important to monitor for notifications about term updates.
ConductAtlas has identified this type of provision across 296 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.