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 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.
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You will not receive any interest or other return on the funds held with us. We own the interest or other earnings on these investments.
Even if I sell my models? No, unless you're making over USD $1M of annual revenue, regardless of the source of that revenue, then the Core Models and Derivative Works thereof are free
Businesses may send you transaction, appointment, and shipping notifications; product and service updates; and marketing. For example, you may receive flight status information for upcoming travel...
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"The funds held on your Wise Account that are not opted-in to our interest feature may not earn any interest or return.— Excerpt from Wise's Wise Terms of Use
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The clause states: “The funds held on your Wise Account that are not opted-in to our interest feature may not earn any interest or return.”
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