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.
View change record →How other platforms handle this
We may request identifying documentation or information from you as part of your Account creation (or at any time thereafter)...if we have a reasonable suspicion of fraud, illegal activity, that your Account may have been compromised...
Use another user's account or share your account with another person;
Keep usernames and passwords secure and confidential, and protect them from misuse or being stolen.
"A written history of your account transactions will be provided promptly in response to an oral or written request that covers at least twenty-four (24) months preceding the date Wise receives your request.Excerpt from Wise's Terms of Use
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
The clause states: “A written history of your account transactions will be provided promptly in response to an oral or written request that covers at least twenty-four (24) months preceding the date Wise receives your request.”
ConductAtlas has identified this type of provision across 265 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.