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
How other platforms handle this
If you fail to add funds to your SoFi Checking or Savings account, SoFi reserves the right to terminate your SoFi Plus benefits.
If we have reason to suspect, in our sole discretion, that your account has previously been terminated, we reserve the right to terminate any new accounts you have registered without any notice to you...
Where appropriate, you may appeal the decisions you think were made in error.
"Wise may audit, suspend, or terminate access to the ACH services for any breach of the Rules, this Agreement, or any origination agreement.Excerpt from Wise's US Customer Agreement
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: “Wise may audit, suspend, or terminate access to the ACH services for any breach of the Rules, this Agreement, or any origination agreement.”
ConductAtlas has identified this type of provision across 269 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Wise.