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 choice of New York governing law, excluding conflict of laws principles, determines which jurisdiction's substantive rules apply to disputes, potentially overriding protections available under the user's home state law.
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 →The reader's disputes with Wise will be governed by federal law and New York state law, to the extent permitted by applicable law, regardless of where the reader is located.
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This Agreement is governed by the laws of New York without reference to conflicts of law rules.
The laws of the State of New York shall govern all matters arising out of or in relation to these Terms and any transactions hereunder, including the interpretation, construction, performance and enforcement thereof.
In the EU and EEA, the choice of Texas governing law shall not apply only where a mandatory consumer protection law explicitly prohibits such choice of law provisions.
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"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 Wise Terms of Use
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The choice of New York governing law, excluding conflict of laws principles, determines which jurisdiction's substantive rules apply to disputes, potentially overriding protections available under the user's home state law.
The reader's disputes with Wise will be governed by federal law and New York state law, to the extent permitted by applicable law, regardless of where the reader is located.
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