Wise (ex TransferWise) App Negative ReviewsWise Payments Ltd

Wise (ex TransferWise) Negative Reviews

4.6788 star

Total 97 Negative Reviews

Wise (ex TransferWise) App Complaints & User Negative Comments 2024

Wise (ex TransferWise) app received 97 complaints, negative comments and reviews by users. Have you ever had a bad experience using Wise (ex TransferWise)? Can you share your negative thoughts about wise (ex transferwise)?

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Wise (ex TransferWise) for Negative User Reviews

UNACCEPTABLE !!!When you call their phone number, you get a rep in a foreign country that has very limited ability to do anything !! Basically, they’re just incompetent script readers. They’re technology doesn’t work !! I can’t even get simple “push notifications” on my phone and their own reps confirmed my notifications are set up correctly. And I have a BRAND NEW IPHONE 13 !! So it’s not like I have outdated technology or something ?? Called 3 times over a week and 1/2 requesting their I.T. department reach out to me for help and nothing !! No follow up, no email, and no phone call !! One of their reps didn’t even know that “push notifications” was an option ?!?! Seriously Wise ??? If I can’t get something as SIMPLE as a push notification to work, do you REALLY think I’m going to trust you to hold my money ?? Receive my paycheck ?? Or allow you to transfer money to my bank account overseas ??? DEAR WISE, YOU’RE A JOKE AND A SCAM !!! And no, I’m not going to reach out for help on the app or social media…. I tried that 3 times and YOU FAILED !!! I’m closing my account and making sure that NOBODY opens an account with you !!! 😡😡 You should NOT be in business !!! You need to be shut down !!!.Version: 7.46.1

So badI have been waiting for the transfers I have made from the bank for months to be transferred to my Wise account. I reported the problem by email but they did not solve the problem and they closed my account. This place is definitely not safe..Version: 7.71

About customer serviceCostumer service is bad. When you run into trouble, don't expect costumer service to help you with your problem. It has been almost a month since I got into a loop with them - they blocked my money transfers, and ask me to confirm the old address, which cannot be changed in the application settings and where I dont live for a long time. Numerous calls to the costumer service don’t work. They apparently didn’t open the documents, confirming the current address, because the next day after I sent them my utility bills I received an answer : this document is not on our list, send is the utility bill. this is nonsense! And after I called them a couple of times and explained that my current address has been changed, and in the app it cant be changed in the settings, they asked me to send a bank statement with a new address, and after i did that - they responded me that cant confirm my current address, because it doesn’t match with the address in my account, which os old one. Of course it cant! Besides that, the answers come in different languages - sometimes in Ukrainian, sometimes in Russian. It is also impossible to delete the account, since you must first confirm the address. Absurd!.Version: 8.20

Beware - no help from wiseI made a transfer to my transfer wife account, in which my money was supposed to transfer but due to some technical issue the last two digit of account number were recorded as 00 , and wise transfer the money in wrong account without checking the facts , I talked to there customer service dept, for 1 long month they said to me that they are looking into it but after that they said they can’t do anything to return the money, they have the pathetic customer service and also their checking system for transfer of money is pathetic, I would recommend everyone not to use wise..Version: 7.63

STAY FAR AWAY.Where do I even begin with this app? I used them for almost 3 years with no issues until recently. Somehow my information got leaked and so I asked to close my account. I was in the middle of a transfer so obviously that didn’t go through so what would you expect next? To get your money refunded back to you, however it has now been almost a week and I have not received my money. I chatted with their “customer service” multiple times, sent many different forms of Identification to prove it was me as well as the statements from my bank showing that they sent the transfer to Wise and yet it’s not enough for them? They also take forever to respond if you send them an email. Their phone service hours are impossible if you live in a different country so you can’t call them. I ask for them to call me and they can’t even give me a specific time on when they will. Absolutely horrendous customer service. I threatened to bring my lawyer into this because it’s a huge sum of money. Once I get it back I’m NEVER using this app again and I have told all my friends abroad who were using it to quit ASAP..Version: 7.28

Lack of clarityTransferring £ from my bank account to Wise card (prior to holiday abroad) left me uncertain more than once. a) an account number with Wise was not recognised by me and I hesitated and abandoned the transaction. Or so I thought. A second attempt similarly. I just closed the accounts and transactions. But later (now) found they had gone ahead. b) I could not recognise a given account number as belonging to me. It ended with 4685. Unfamiliar and could find no reference anywhere else to me. c) Now… I find 2 payments have gone through (when I thought I had abandoned them) and one other is now paused. I try to find a way to stop this 3rd transaction. d) I accept that some of this may be due to me and my lacking experience. I have not transferred/used the app/card since Christmas and tend to rely on it when travelling abroad. However… in an attempt to make transfers easy for customers it seems that the app wants to take decisions on its own. I was amazed 2 transactions had gone through when I thought I had aborted them for safety. Another transaction is paused and I do not see how I can delete it (to stop it going ahead in a kind of freelance way)..Version: 8.8

Used to be goodI am not sure what’s happening but this app used to be perfect. Three or four clicks and the money was on its way. The good old days... but now, nothing in the app is consistent. For years I transferred funds every month from my Bank of America USD account to my Australian AUD account without a hitch. Now when I try a transfer, instead of pulling the funds out of my Bank Of America account automatically (like before) I get a message telling me I must “send” funds manually (old way) from my bank to another bank account owned by TransferWise. Then, after I finish that transaction, they instruct me to go back to the TransferWise app to continue with my transfer. Holy Moly this is worse than the old way. The worse point is that the fees are increased from the previous $11 or $12 to $24 or $25 so, the process is now more cumbersome and cost twice as much. Ironically my banks now have reduced their fees (if I use their online transfer app) so the TransferWise advantage is GONE. I am sure that Sir Richard Branson (an early investor) must be very disappointed in this team !!.Version: 5.4.2

Nao pagaJá entrei em ctt enviei e-mail e nenhuma resposta.Version: 7.71

The app needs an upgradeI use the application to send money to another country and after 17h the money still has not arrived. I contacted the technical support to inform me about the status of the transfer and to fix it and they only told me that I had to wait 4 hours more for someone to be available and sort the problem. The app needs to send some notification by mail or through it informing when the transfer cannot be made. This is not a free service. It’s something that you are paying for..Version: 7.25

Slow - bewareI sent some money to my TW account from my European business in Ireland to my Australian personal account. They received the money but held the transfer and asked me a completely nonsense question: ‘what is your relationship with certain Australian politician who happens to have the same surname as me’. I replied ‘no relationship’ and explained the purpose and origin of the transfer. Also emailed them and called. At each stage I was told it will be resolved within two days. It was not. TW make is easy to set up your account and then imply that you’re good to go. In my experience you are not good to go. It seems like they only really start checking once some money comes in. This takes time and they do not seem to want to hurry even if you hassle them. If the transfer is time critical then you are screwed. I would suggest that anyone considering using this service should start with a very small amount well before they actually need to transfer anything important. Otherwise your money could be in limbo for a week or more. This has been my experience with TW. So far I still don’t have the money I remitted almost a week ago. I expect it will work out but the delay and lack of feedback is a deal breaker for me. I will be setting up a regular EUR account with my bank for future transfers..Version: 4.19.3

AndreyLow fees- Basic customer service! 3 days of back and forth emails just to get verified (again). The customer service provided link that didn’t work. A day later they sent another link which also didn’t solve the problem. Another day later, a few more emails… BOOM I was able to upload a pic of my ID. Your representatives did not take the ownership of the problem. Guys, you have a great app (theoretically), it works smoothly till it doesn’t. Maybe you should focus less on low fees and more on how to help people to solve their money problems faster? It’s not like I’m buying a fig tree online and can have a casual email conversation over days about delivery. I am in a foreign country and I’m relaying on your card. Calls from roaming can be costly, Live chat (with humans) is a must! Please, use my case as a case study and educate your people on how to respond efficiently and provide specific information that actually helps to solve the problem. Thank you!.Version: 8.13.1

Cancelled a transfer without notifying anythingThe worst experience with Wise. Needed an urgent fund transfer and wise cancelled it without notifying anything. Such an irresponsible app. Not even deserve one star. 😡😡😡.Version: 7.71

I’m a traveller, & haven’t had 1 good experience with them.It’s like I’m their first human being they’ve ever experienced travel overseas. I live between Australia, Indonesia, & now Israel. I have a different phone numbers in those countries. I’m surely not the first person to do this. Twice now I’ve submitted my photo with my ID in my hand. I’ve sent multiple emails. This has been back & forth since April. My partner uses Wise, is the only reason I’ve hounded this so relentlessly. Otherwise I’d have boycotted this business months ago for the amount of time it’s wasted. On two business deals it could have helped smooth things so easily, instead, it hindered me & made me mess around an Indonesian business partner. I literally don’t know what to do anymore other than to leave a bad review & let you all know that I wouldn’t bother with them..Version: 8.31.1

Referral Reward Is Total BSFor years, I used and recommended this app to my friends and family.. they said when you got 3 other referred ppl joining and using this app, we’ll get money reward.. but even after I got 4-5 successful referred ppl using it, nothing happened - even after months.. when I remembered about it, I asked their customer service. Not only did I get unhelpful and slow reply.. their reason for not giving the reward is very appalling and don’t make sense. They said that I’ve invited the same person more than once. Hello? Not only I never did that, and if by any chance that accidentally happened.. would it not be able to happen because you have the process of verification to make sure one person only have one account? Anyway that is totally ridiculous reason to get away from giving the rewards they said they were going to give. Rock on Transferwise, would not recommend you guys anymore to anyone with this kind of terrible customer service - no service at all 👎🏼 Sorry, I rarely gave bad reviews to anything even though I was not having a good experiences, be it for products or services - but this I think is unfair and doesn’t make any sense thus I wanna warn other ppl so they’re not getting into this referral trap of yours 🙏🏼.Version: 5.17

Buyer beware.The app works fine, but the transfers using SWIFT involve hidden costs which are deducted from the receiver’s amount. Despite the unambiguous in-app statement made twice during a recent transfer that “Mr. X will receive exactly $110,” Mr. X in fact received $81. The remainder disappeared in mysterious ‘intermediary bank fees’, which TW claims they make clear in the app. Which is not true: the statement regarding intermediary fees is vague and ambiguous, and follows the above promise, which is totally unambiguous. I can only think of one way of interpreting the statement “Mr. X will receive exactly $110,” but TW claims there is another, less salubrious interpretation. Where they studied logic, and the philosophy of language, I don’t know, but they clearly didn’t learn much of either. To be fare, all my previous dealings with TransferWise have been simple and fast, with low fees, and worked as promised. Email and phone correspondence with the company over this issue has been pitifully inadequate. BE CAREFUL, because their vague statement about intermediary fees actually means, “when we say “X will receive exactly $X,” what we mean is, he may or may not... we don’t know what we’re doing, we don’t mind breaking promises, and we take no responsibility for it. But we’ll happily take your initial transfer fees, and deduct all the extra unknown fees from the recipient. Thanks, sucker.” See you in court, TW..Version: 6.8

If you are a Canadian or someone who wants to transfer from Canada. DO NOT TRY THIS APPComplex and non-Reliable Money transferring App/method you will ever experience. Call support is only for UK business hours. Poor Instructions for Required documents. Simply Time consuming process - Local banks charge extra and they are safe and faster than TRANSFERWISE. Not recommended for CANADIAN Customers. Required documents - consist of all non related documents which is mandatory here. POOR UI in iPhone X Deleting this app for so many misleads and errors.Version: 4.15

App BUG!Not at all happy with the new app. I have sent messages twice now to “support” and they can’t fix it! There is a big problem with the new Wise App. Each time, after I complete a transfer, when I press “share with recipient” the screen freezes. There is nothing I can do except for completely close out of the Wise App and start again. With the old App, I pressed “share with recipient” and it would bring me to the screen where I could choose from email, text message, WhatsApp etc then I could choose how to share the transfer payment. But with the new upgraded App, it freezes every single time and I can’t share it that way - which is super annoying. Yes, I have made sure that I have the most updated Wise Application installed and I have turned my iPhone 11 Pro Max off and on again and it still doesn’t fix the problem. Please help!.Version: 8.4

So disappointed in WiseSo disappointed in Wise! If you had asked me for a review a couple of weeks ago it would have been 5 stars! What changed in the last week? Wise asked for additional beneficial owner details for my company and rather than clearly stating the urgency (must be done within 14 days) at the top of the email, it was a single sentence at the bottom of the email and I made the honest mistake of missing it! I missed it because we have been through the same process with HSBC and they very clearly communicated timelines with us via multiple emails and phone calls. So I know what needed to be done and that it was important, I just had no idea that they would suspend my account without a courtesy call or another follow-up email to say "Warning, your account will be frozen if you do not respond". Now I have a frozen account with hundreds of transactions that are failing, and Wise are unable to get anyone to un-freeze my account despite me sending over all the information they need! I am now 16 days into having a frozen Wise account despite emailing support, phoning support and even messaging Wise senior management on LinkedIn!.Version: 8.35.1

Problems, problems, problemsWhat is wrong with this App or Wise. I launch the app, it opens with face ID and after a couple of second reverts to the new splash page, as if it’s the first time I’ve ever used it! Then when it gives me the option to login, whether I choose Face ID or email and password I get the “WHOOPS SOMETHING WENT WRONG”. I also have a saved business contact which I used last year to pay a bill. No problem. Now when I try to use the same contact for the latest bill my payment gets rejected! I’ve checked all the banking details with the business and there hasn’t been a change since my last payment. Problems, problems, problems… Previously I had card problems - it would work in some ATMs but not in shops. They kept telling me I need to change my PIN number in an ATM, but none of the ATMs I had access to had that option. They just kept repeating the same solution - like they didn’t understand. Eventually “I” told them how to solve it: Pretend I’ve lost my card, and send me a new one!!! It worked. What rubbish support..Version: 8.14

What a scam!You have to pay $30 to activate the account, then it’s not useable until you pay another $42. This is so ridiculous for an account that is advertised as $0 No Fee..Version: 8.17

Does not workThis app is garbage and dose not work. When trying to send money it keep’s saying it’s not in your contacts. It dose not provide an option to add the person. It works on and off. It’s better to use western Union it takes less than 5 minutes to process..Version: 8.45

Improve money tracking technology.It took 10 days for my brother to send me money from Canada to Australia. After 2 days we both received email saying money has been transferred but I didn’t received it. After 7-8 days of calling them daily asking about money everyone from wise had different answers. No one really know what was happening. Someone was saying ask the bank, other was like we(Wise) have your money some checks are going on, one said send us your Id we need to verify your account and many more random things. After 10 days of stress I finally received it. I have never been so tensed in my life. I wasn’t able to work properly. I was very happy with this app before but with my last experience I am simply uninstalling the app and would just go with banks for the transfer as they can at least answer my questions and I can track my money..Version: 8.22

Don’t be fooledTransferwise advertises portraying itself as ‘different’ when in reality it’s just another currency exchange service that may save you a bit of money on the transfer but will skin you on their borderless account and will play the same tricks big banks play when transferring your money.. such as misplacing your funds for a few days so they can do the short term money market with clients funds.. Don’t be fooled! I was and I set up a withdrawal from my business borderless account on Thursday afternoon only to have the money go missing till Friday late in the afternoon.. I rang in three times to enquire and on the first time I was told ‘sorry’ it would take 20 min but an hour and a half later nothing so I rang again and was told there was a tech issue but no one could elaborate and this went in for another whole day until finally the money was ‘released’ late on a Friday but of course by then it was not going to show up until Tuesday the following week.. And this was a withdrawal of my own funds!.. At no time was I given a proper explanation of any kind - but I was left without access to said funds for 5 days.. Do yourself a favour and skip the transferwise borderless account - just like a dinosaur bank it will sting you with fees and your money will go missing for days and all you’ll get in return is a shrug of their shoulders. I gave it one star because there’s no half star rating..Version: 5.7.2

Getting worseWise used to be fast and innovative. Now it’s slow and less so. Transaction cost is still pretty good. Speed sucks. Slower than banks to bank..Version: 8.43.2

Rate alertsTransferWise is great, and the rates are amazing. However, it would be really good if it was possible to track rates over time and set up alerts within the app. I can’t work out how to do this, and keep getting pushed out to a web page that asks me to enter my email address, even though I’m logged in, and then fails to load. I’m pretty sure the old version of the app from a couple of years ago did this really well, and it’s a shame that this functionality has apparently been removed..Version: 6.8

Took money from my account LOST IT ALLI transferred from Wise to email, they did not accept the etransfer in time. MONEY IS GONE FROM MY ACCOUNT AND I DID NOT GET IT BACK!!!!!.Version: 7.70

Unreasonably ComplicatedThis app is stupidly complicated..Version: 8.45

Incompetent customer serviceThey do not provide the basic level of customer service one would expect of a financial institution. They do things like repeatedly request the same KYC over and over. You provide it, they accept it and soon thereafter they request it again. This is for the principals, for the same monthly payments, etc. It has potential but they need to fix their basic service levels. To be clear this isn’t an unwillingness or inability to provide proper documentation. It is having to provide the exact same documentation over and over and to be treated poorly each time by the their team. Until they fix these basic steps, it’s not viable as a business account. You are never confident you can receive or make payments in a reasonably timely fashion. Update: wise has opted to responded with a standard response around KYC requirements, which highlights my point of their customer service. There is no issue with requiring KYC (it’s a good thing), the issue is repeatedly requesting the same documentation over short periods of time..Version: 7.56

Shady if not illegal business.Shady if not illegal business. Absolutely terrible for transfers. Wouldn't recommend at all. I transferred rent to my housing company, the money left my account but was held by Wise because they needed to 'investigate' the transfer. This is my monthly rent. The reference has my name in it and the word rent. The amount is perfectly normal for rent. However, because the money had actually LEFT MY ACCOUNT I couldn't just repeat the transfer. This made me late paying rent which puts my whole life at risk! This happened TWICE!! Customer service is positively unhelpful informing that I have to wait 7-14 BUSINESS DAYS (!) for this 'review' to take place. I asked to speak to a manager and was put into the hold loop until a regular case worker picked up who told me managers don't take calls. What I suspect is that -because the money is off my account but also not in my housing agents account- Wise holds the money in a third virtual space and is profiting in net value from these 'random' checks. Whatever they do, the fact that MY money leaves my account, doesn't reach the destination and I have no access to it for 7-14 DAYS(!!!) is absolutely shady! Never will I use this bank again..Version: 7.62

Room for ImprovementTo be honest, I absolutely love Wise and enjoyed the service provided and the ease of the process. However, I was extremely disappointed with their lack of involvement and support when faced with troubles overseas. My friends and I, had planned an overseas trip months in advance. For months, we transferred and converted money diligently on high exchange rate days, looking forward to our travel. Upon arrival, out of the three of us, one of my friends cards did not work. When using, it kept getting declined, saying ‘contact bank’. When urgently contacted, all Wise rep said was ‘this happens, we can’t do anything’. My friend was luckily travelling with company but otherwise would’ve been stuck overseas with no money at all! I can’t hide the disappointment when something like this happens on 1/3 occasion, the team won’t do anything. Obviously besides this, the card and app has been extremely well designed and easy to use. I hope that they would be able to resolve the situation or at least have a better plan when their cards get declined overseas. I will more than happily change my review when that happens..Version: 7.71

FrustratingWise, I have a problem with funds being transferred from a standard account into WIse. I have received a message from Wise indicating the transfer cannot go ahead due to a shortage of funds. This is incorrect. The funds have left my standard account and the money now appears to have vanished. I’m sure it’s something that can be easily solved BUT you have no way to be contacted. You suggest to email yet after searching high and low I cannot locate a contact for you that works. Wise, this is beyond frustrating and your customer service appears to be non existent..Version: 7.69.1

Transferring money takes monthsI transferred money using wise. they asked for additional documentation which i provided. after 2 weeks of waiting they then cancelled the transfer with no explanation! i attempted to transfer some money again, it was again cancelled. It’s been over a week now and i’m still waiting for my refund. The helpline will not help you in these situations. At the same time i was able to do 2 other successful transfers. There is no explanation why 2 transfers were able to go through using the exact same method and accounts and 2 were cancelled. Furthermore no explanation as to why it is taking over two times the advised time frame for a refund. If you need your money transferred in under 1-2month i would not recommend this app. They will mess you around, there will be no explanation and there is no recourse..Version: 8.4

Nah. Use it just as an option.Apart from the Borderless account, mostly useless. Money sometimes takes for ever and sometimes quickly. They frustrate you with proofs and documents needed. They can complain a bank receipt showing payment also not enough proof of payment or not clear. Their customer service like I had today can’t be even be respectful. I didn’t even use one abusive word and I only shower my frustration at their stupidity and she said that she is not here to take me and I should watch my mouth. In other words, their customer service is worst and they are highly in efficient. This is why I only choose Transferwise when it’s the cheapest or hot no choice. Used to make 3 to 4 transfers a month using them but now I barely use them 3 to 4 times a year. I go with many other local options than these arrogant people..Version: 7.4

Very poor responseI sent a big sum of money on the 26th of May 2022 from Australia and until today 19 of June 2022 Transferwise hasn’t been able to assure the money has been deposited correctly to the American Bank I sent the money to, they want me to contact the bank in America to ask if the transaction has been successful? I paid a lot of money to them to do this transaction and their response has been very poor, no information provided to me while in the process of waiting or explain why they were holding my money for so long, their responses were their bank in America needed to verify some information but no being able to explain to me what information exactly..Version: 7.60

Transferwise is unreliableI have been using transferwise since January until end of March when my account was deactivated for no reason..I contacted the customer service to know reasons why but surprisingly was told they have no reason for that instead I was sent a link to appeal this decision and on the link I was told to provide my ID which I did and even asked to take a selfie with the ID which was done before submitting my appeal. Waited patiently for them to reply within 10 working days only for them to say they have decided to keep my account closed. I have requested for my funds in the account and got another email saying they are conducting further customer due diligence check on my account which will take up to 60 working days. I don’t understand what they are still conducting when they have already decided to deactivate my account for no reason. Now sending my money back becomes a problem to them. I have read so many similar reviews from different users of transferwise which goes to show there’s something fishy about transferwise. Please I want my money back as soon as possible transferwise. You have caused me so much trouble and inconvenience already. Use this Transferwise at your own risk..Version: 5.19

Change of USD account details with little noticeWe have had an Australian business account with Wise for about a year. We moved from Citibank after they closed their foreign currency accounts in Australia.

 We have just been informed by Wise that they have changed our USD account details and we have 11 business days to inform our business partners of this change, after which Wise will send back any USD sent to our old account details. 

For a small business dealing with large multinational clients this is not nearly enough notice. It will take us months to get our account details changed with our clients because we are not a priority for them, and they will continue to send USD to our old USD account in the meantime. Then we will have to chase up payments which have been sent back to them by Wise which will take many more months. 

 While all of this is happening we will be running low (or running out) of our cash balances.

 The email we received from Wise said they were sorry for the inconvenience. They have no idea of the mess they have just put us in..Version: 8.31.1

Unpredictable and unreliableI have used Wise for the past 18 months, and its utility has dropped in the past six months or so. Previously, a transfer from the United States to Thailand would be accomplished within hours, and sometimes within minutes. But now, even the most minor transfer takes days. That is so despite the fact that at each step of the transfer process, the Wise app tells me my money should arrive “in seconds.“ But when all the inputs have been made and you actually hit submit, suddenly you are advised that your money will not arrive for two or three days. It’s like a bait and switch. Moreover, for many of us living in other countries, it is important that the money be received as a “foreign funds transfer“ for immigration or visa purposes. But using wise you never know whether the money will be received as a foreign funds transfer or a domestic intra-bank transfer. For both of these reasons, I have tended to use a normal wire transfer from my American bank to send money to Thailand because I just cannot rely on Wise anymore..Version: 8.40.2

App itself 5 stars Customer Service 1 StarI do love the wise app and the transparency of the fees and conversions. But i’ve had my card info compromised in Indonesia and I am simply trying to get a new card shipped to me and I am having the hardest time getting help! I get american bank restrictions are tough but I was thinking I could hopefully work with a representative to get a new card sent to me or atleast come up with a solution like getting a new virtual card as I’ve trusted wise and put most my money into this account. But it doesn’t seem like much of an issue to come up with a solutions to the reps. I’ve emailed with 3 different people and they’re all giving me bot like answers. I have real money in this account and I want to talk to a real person about my real problem. All I need is a new card sent out to me so this person stops trying my card and so I don’t have to loose sleep freezing/unfreezing my card. I will come back and change my review if I get the simple assistance I am yearning to receive..Version: 8.21

Do not reveal whole informationI downloaded this app and started the transfer first time. I was hoping it would be immediate and it kept on saying it will take two hours for transfer to complete. However when I submitted my documents at the end of the transaction. It said we need two days to verify you. I get that you want to make sure who i am but inform me in the starting when we start the transfer process tht you are first time here and we would need two days to review your identity. Lack of transparency there to get people signed up. Not good way to build trust with customers. Cheap tactics.Version: 7.45

DisappointingI used wise for over a year, worked good for me. Until two weeks ago when I received a payment with the concept “Payment Venezuela” and they just shutted down my account and retained all my money because no transaction can be made related to Venezuela. And it’s ok that policy, I get it. But didn’t even ask me for an explanation… I am not doing business related to that country, I work as a freelancer currently living in Italy and the transfer was made from a guy in Spain that has a Instagram page about that country. So I don’t know how am I breaking the rules. But as I said, no explanation was asked. So my account was closed and didn’t even receive an email or a call… nothing. None contacted me to inform me that my balance was closed. I had to call and received the notice that was closed and that I can’t appeal to reopen the balance. At that point I just wanted my money back. But, when I tried to fulfill the file to request my money, it wouldn’t let me. So I sent my info via email two weeks ago and the costumer service lady said that the info (my bank account details) would be forwarded to the proper team and up to date nothing has happened. I’ve sent several emails and no answer has been made. I need my money back and it’s impossible….Version: 7.30

Worst security everWise is good and is really a life saver but the security and procedures are just fake. For example, I’m trying to reset the password right now in the app and it returns an error - try again later. I can’t change the password and it’s impossible to call/message the support. You can only send an email that is going to be responded in a day but they say that may be even later. Is it a joke? You don’t have an emergency service to lock/freeze card/app. All your money will be gone in seconds but Wise will respond in a couple of days. Seriously??? Moreover, anyone can steal your account and they just changing the phone and an email. Wise is only asking to upload a selfie with an id. Nonsense, you may have 2fa with security codes on your phone but thieves just photoshop your selfie+id and their support can change your email/phone in minutes. They don’t require to install the app and make a live photo on the app camera - just upload from the gallery. They don’t even require you to upload a photo with an id you have been submitting when open an account. And yes, support will treat your request as a piece of sh… no responses for weeks. They just don’t care..Version: 7.80.2

Non existent customer service and no weekend transfersI’ve been using wise for a couple of years now, which is great to send money during weekdays, however it does NOT work at weekends. So if you need to send money at a weekend, find another option because the recipient won’t get it until the Monday or the Tuesday. Additionally, they previously had a very good customer service on the phone which has now been cut out completely, obviously as a cost saving exercise. However, instead of being truthful and stating it outright, it asks you to contact the help option on their website which finally tells you that even their chat lines are closed, not even mentioning a phone option. I’m in Australia currently and my time is 0945, so how could the chat lines be closed during peak business hours on a Monday? I will now be looking at other options even if I have to spend a little more on the transaction..Version: 7.68

Slow and bad customer serviceTheir customer service is really bad until the point where the Help function is almost useless. I received money after longer than 2 weeks whereas it only took 3 days when I tried bank to bank transfer. Not good at all for urgent transactions.Version: 7.82

Rates are not as transparent as what is claimedTransferwise claims that the exchange rate you get with them is as transparent as it can get, and that one can check the rates on internet and it will match their rates. While it seemed to be true for the initial few months of their app, it doesn't seem to be the case anymore. They claimed to me that they use the Reuters mid market rate. I challenged it, and their own customer service sent screenshots showing how they were giving a rate worse than Reuters current rate. So if Transferwise rates are manually fixed, and they charge a fee on top of it anyway, why should any one use their service instead of free services that may give similar rates? Disappointed!.Version: 6.12

A little disappointedExperienced difficulties using the eftpos facility on numerous occasions in Tokyo. Tried sending a message to staff but they were too busy to respond. The only help I received was the “most common questions” section which told me that the error message would be displayed on the eftpos terminal. Since the message was in Japan this was difficult for me to resolve. Fortunately I had cash and was able to pay but otherwise it would have been very embarrassing. Interestingly my card worked to withdraw cash from the atm. So I wondered if this was a ploy to get me to withdraw from the atm and incur further fees. Next time I travel I will consider other alternatives to avoid the same problem..Version: 8.28

Hidden fees all over the placeTheir exchange rates aren’t great and there are fees all over the place. Even fees to withdraw your own money into a local bank account. Even my own bank doesn’t charge to transfer to another local bank. If you transfer from your own account in NZ to Wise then it can take 3 days to make it through. Wise have local NZ accounts - what are they doing with the money for that time? Wise used to be good value but they’re upping their fees to make more money. Let’s hope they get more competition soon..Version: 8.39.1

Almost greatThe Wise concept is awesome and they are on the way to something wonderful BUT, be prepared to ask for the bank, account, email and street address for all the people you will send money to. AND know that popular apps will NOT let you copy just the email or address part of a message. ALSO, know that your potential recipients will want to know why you are asking for this information and they will do this while you are copying their information from one app on one screen and pasting into another app on another screen. ALL of this can take an hour if you do it yourself. The recipient could do this in person in a few minutes. Once the recipient is in your app, you can send to them easily and cheaply BUT if you send too many transfers too soon, WISE will quit for several DAYS while it waits for transactions to complete, leaving you with few payment options for the duration of the timeout. WISE will send you a survey about their process. Ask them if they actually use their app on a smartphone with two thumbs..Version: 8.39.1

App quality and results have declined significantly!I’ve used this app many times over the few years to internationally send money to family- it has always been great until recently. The “mandatory form” required to sign yearly and to every new recipient is from a 3rd party “Exchange4Free,” which takes forever to actually email the form and this results in complications with the transfer, which of late, has resulted in having to cancel transfers. I don’t think these “Wise” and “Exchange4Free” are in proper communication, which makes me think that wise (to maintain its credibility) has no idea how long the forms really take to reach recipients. When contacting wise, their customer service has always been awfully bad- no real interest in assisting clients and no real help whatsoever, leaving you with no option but to cancel transactions. I really enjoyed using this app in the past and hope that major improvements are made as I am very tempted to find a different company for my international transfers. It is supposed to be a “quick and easy” way to send money but has taken weeks, which makes one consider using your actual bank- even their steep fees would be worth the hassle..Version: 7.41

Good until it’s notI’ve used Transferwise loads and generally found it to be reliable. Until one day the money just did not appear in my account instantly as it usually does. I enquires about it with the online help form and was told it could take up to two hours but could also take until the end of the business day? Which makes little sense because it should be one of the other. I then waited that out and still did not receive payment. They then told me to contact my bank which I did and they told me they had not received the funds and couldn’t see any trace of the transfer. When I told Transferwise this, they continued to blame my bank and have gone from taking an hour to respond my emails to ignoring them since the time period they told me to wait for he passed. I am still yet to receive my money that I urgently needed for a payment yesterday. I won’t be relying on them any more. It’s not worth it to potentially have hundreds of ££s go missing when you need it most..Version: 5.11.1

Problem to verify my account.So I have this account for a long time. I got married and I don’t have my marriage name on my passaport a couple monthly ago they asked me to verify that. A send my drive licenses with my my actual married name on it after that a got my account working... a couple of days ago I needed send money to my family in another country and for my surprise I couldn’t get it done because they were asking for me to verify my account again. I call them and send my marriege certificate and other documents. So they send me a email telling image quality wasn’t good enough. Ok! I call them AGAIN! and send the files, the person that was in the call told me that the files was good quality and it shouldn’t be a problem anymore. Couple of hours later I got another email saying that they could not verify my account and I should send my documents AGAIN!. Look a don’t know what is going on! It looks you guys are holding the accounts for us not to send money right now. It’s is pretty bad! I need to send money for my family that are in need because what’s going on with this Coronavirus. I don’t see this company is helping us customers go though this. I’m very disappointed..Version: 5.15

Poor and unreliable serviceI tried two transactions this month: the first appears as done but money is not in destination account after 6 days waiting and second one was cancelled for no reason. Go to Remitly... easier and cheaper.Version: 5.9

The apple app glitched and charged my first cardSo I clicked Apple Pay and the screen glitched and it literally charged my first card which was a credit card. I did notify a representative and he told me it’s possible that I could incur a fee but why should I. The fee is from a US bank but not them. I am disputing this as this wasn’t the card I wanted and it never let me scroll my cards. Charges have been incurred due to a cash advance fee. I refuse to pay the cash advance fee. I would get someone to look at the Apple app feature even thou I would never ever use it again. Other than that everything else seems to work fine. I just connect my card directly now. Now for the app and the service of TransferWise I think it’s great and even thou It started on the wrong foot, I think the idea and the service is wonderful. I spoke to Alan and he walked me through everything and made feel very comfortable. Don’t take my three stars as for the service which is 5 stars but take the 3 stars for app. The Apple Pay option made me real nervous..Version: 5.9

Transferred money that no one can trace where it wentI would never use this app again I rate it 0 I lost my money.Version: 5.40

Wise is one of the worst companies for accessing one’s acct informationThe only way you will be able to access some of your acct information is by talking to a Wise customer representative. One example: you cannot tell whether your acct is set up for monthly payments from your app site. You must contact customer service. I spoke for more than 1.5 hours with 4 reps trying to resolve this basic acct issue. You cannot assume your payment has been made without verifying the transactions every month. Because I failed to do so one month, I have had to tie up 25k for an additional nine months. Just try to figure out how to change the date you want to do a monthly transaction! Generally speaking, Wise customer reps are poorly trained. One example of that is they are not trained to SHUT UP and LISTEN when you need to interrupt their explanations. It’s not uncommon for them to continue their explanation after you’ve interrupted. It’s like they are answering from their troubleshooting manual and can’t stop until they’ve finished the manuals explanation..Version: 8.16

Zero transparency, useless money transfer serviceIf you need to send money abroad, especially to someone in Ukraine who is a war refugee and desperately needs funds to cover basic needs, do not bother to do business with this company. You input all the info, they initiate the transfer, then they decide to verify you without giving any specific reason why, instruct you to look for that info + how to fix it in an email that never arrives, give you unreliable estimates for how long it may take to verify you and then, after a few days of keeping you waiting, they simply cancel the transfer. No reason given whatsoever. Meanwhile your money has been taken out of your account and it will take several business days for it to be returned. Oh, and don’t bother calling because you will grow old waiting on the line. You may be luckier via chat but the representatives will be absolutely useless and will only give you standard answers that they probably copy and paste from some communication manual they’re given. Absolute garbage..Version: 7.47.1

Terrible Support👎🏽👎🏽👎🏽Please keep touching on this review and upvote to keep it visible to help me and the customers in the same situation. Wise has a terrible customer support. I started to use it because of low transaction costs. But if you have a problem you never find a quick help. They are not aware of what troubles they cause if they don’t solve a problem quickly. They paused my transfer which is for 6-months rent and deposit. I couldn’t get the keys from the landlord and stayed outside with my wife and luggages, a lot of stuff so on. We rented airbnb and moved our stuff there. They said that I need to upload some documents to verify my income. Okey No problem, I uploaded the documents immediately and there is no response. They didn’t remove the limitation on the transfer. You don’t get a clear answer from any support agent you talk to. And the problem still goes on and we are in a very big frustration. My advice is, think twice to work with this kind of fintech solutions. You don’t find any interlocutor when you need direct help. They should be aware of what troubles they cause in this kind of situations. Another strange thing is that they didn’t ask verification when you receive money into your account. They ask when you pay out..Version: 8.31

SCAMI’ve used Wise for 5+ years and for huge amounts of money transfers (I’ve bought two houses in two different countries). Lately they must be under new management because their service has become non-existent and they’ve adopted very “scammy” policies. I transferred many many thousands of dollars for a currency exchange and they sat and held my money for days (the transfer was supposed to be completed “within hours”). The phone numbers and chat function didn’t work and no one responded to my emails. It took over a week to fully recover my money, and in the process I incurred a lot of fees not to mention my time. Still haven’t gotten a reply from Wise. There are many other competing companies now, and I will be taking my business to one of them..Version: 8.16

Horrible app, Beware, I’ve lost money with it!I have a company and i use to sell products and offer services online. At the begining i thought this app was very useful and used it a lot to receive my payments, until the moment they suddenly blocked my account without reason and i just lost all the money i had inside it. Meanwhile, clients that had that number account kept sending money and never got it back. I’ve sent an email to them, they asked me questions and i answered but they just answered back saying that they DECIDED TO CLOSE MY ACCOUNT AND IT WAS IRREVERSIBLE. I’ve felt miserable not just for the money lost, but also because they treated me as some kind of criminal, laundering money. So beware, they can at any moment judge you unfairly and do what they want with your money putting in prejudice your neededs!! I’ve found other options after that as Azimo, Revolut or Payoneer and never more want hear about Transferwise!!.Version: 4.14

Wise is in closed loop and repeating transfersWise worked fine until a transfer was mistakenly link to an incorrect bank account. I immediately wired funds to Wise. A day later the transfer was "fixed" and I received email from Wise the transfer was fixed. I removed the link to incorrect bank account from Wise. Then a day later I received notice from my bank that Wise again attempted to debit bank account. Wise then deposited US funds to my Wise account saying since I didn't initiate transfer to my foreign euro account, they deposited funds to my Wise account. Then I received notice the transfer (the one I didn't initiate) needs to be fixed by funding the transfer. Wise put the funds into my Wise account. Customer support is missing in action. Phone line waiting is too long. Emails are answered with automated responses telling me to "fix" transfer. And around and around we go... Meanwhile I can't use Wise because the transfer I didn't initiate needs to be "fixed.".Version: 8.33

POTENTIAL CUSTOMERS BEWARE- these people will take your money and won’t return it.Nobody answers e-mails for days. put your money here at your own risk! I had to transfer money through these people only because I had to make an international transfer through Monzo (which is REALLY losing points!). The transfer appeared executed until suddenly one day - 20 days past my transaction (which was the payment of an invoice!!!) the money was sent back to my account, NO EMAIL, no notification, no phone call, no reason. My husband paid the second tranche of the same invoice only to find our money (a significant amount of money for a humble couple) stuck somewhere in the hands of these subjects. They asked us to send motivations for the transfer and then sent us this cryptic message saying “it will be up to the transfer team to decide whether and when to make the transfer at their own discretion” - ARE YOU KIDDING ME? with an invoice unpaid and us being potentially sued by our service company for not paying we have sent several requests to get our money back and NOBODY ANSWERED! If this is not scamming I don’t know what is. I’ll advise as many people as possible to stay away from this brand and anything related to it..Version: 5.2.2

Used to be Excellent, Now UnreliableI’ve been using Wise for transfers to Mexico for a couple of years and until recently have been very pleased with them. Transfer usually take a few seconds from clicking send to seeing the deposit in the the Mexican bank account. Until a month ago, I would have rated them 6 out of 5 stars, and I have recommended them to many of my colleagues and friends (a couple of them were even considerate enough to use the link I sent them so I’d get credit). Recently, however, some transfers have taken several days. I’m currently waiting for a deposit that I transferred 10 days ago. Things happen, I understand, but the customer service people at Wise, though friendly, are completely unhelpful. They give me no info on the delayed transfer, and they promise to email me soon with an update, but I never hear from them. I’m switching to a different currency exchange company..Version: 7.69.1

Service is great but app takes a step backI’ve used Wise (formerly Transferwise) for a couple of years now to help me pay bills for my online business and avoid the exorbitant foreign currency conversion fees of other services like PayPal. The service itself is great and aside from one or two hoops you have to jump through which could be better explained, it works extremely well and it’s easy to understand exactly how much a transaction will cost. However, on logging into the app today it looks like there’s been an update so the first screen you’re presented with is your recent transactions. That’s fine in the right context but there used to be a simple screen with your current balances in whichever currencies you have accounts for and now I can’t find it anywhere: Please bring back this screen and make it Centre stage again and I’ll give the app 4 stars ( which I think the service deserves)!.Version: 7.26.1

What service will degrade next month?I am getting ready to cancel my Transferwize account. as time passes the obvious corporate pressure has caused the system to succumb to degradation after degradation. it started with slowing down the transfers. Direct bank account transfers started to take extra days. wire transfers were instantaneous… then they started to slow down wire transfers but that’s not all. I was delayed additional time because they begin to add fees to US dollar to US dollar transfers. again… The corporate pressure to show increased earnings every quarter but potentially without being able to add customers. so I checked again today two days later the wire transfer has not gone through because the amount was incorrect. I sense this is because they blocked my transfer from completing because they deducted a little money from the transfer and now the transfer amount was wrong! Again this is from US dollars to US dollars. and contacting tech-support went from a breeze to almost impossible. The transfer wise glacier is starting to melt I would jump off before you jump on. with this type of customer service it’s very unlikely they will see the increasing customers needed to justify not charging something else next quarter to pad their earnings..Version: 7.77.1

Good service, horrible app!I spent hours over the weekend trying to add a new recipient. However the app would never accept the person’s street address. After trying 8 or 9 versions of the address, I finally closed the app and reopened and started all over (a very time consuming process). I finally was about to set up my new recipient. The next roadblock came when I tried to send money to that recipient. I already had a bank account linked to another recipient, but apparently you have to set up your own bank all over again with each new recipient. I did this. The transfer appeared to be underway, but was flagged. An email said that it “needed attention.” When I tried to go to that transfer, I got stuck in an endless merry-go-round in which it would say you must go to TransferWise online to solve the problem. When I did, it just sent me back where I started. After repeating this 5 or 6 times, I tried closing the app and reopening it to no avail: the merry-go-round continued. And of course THERE IS NO PHONE SUPPORT ON WEEKENDS, so you are completely out of luck. I still don’t know the status of my last attempted transfer. I don’t even know if the money was debited from my account or not! In the future I will be taking my money transfer business elsewhere. I would NOT recommend TransferWise to anyone. There are plenty of other services to choose from..Version: 6.12.1

How is this so highly rated?Maybe they bought all these reviews. This app has been nothing but a disappointment. I’ve only attempted to send money once with this app. This was two weeks ago and it still hasn’t gone through. It’s been extremely difficult to get their support to actually reply to an email and when they have they haven’t provided any info on why it’s taking so long. update: Their developer reply to my review is just as useless. They have no shame trying to shift the blame towards me. They state that they likely didn’t receive my money which is absolutely false. If they didn’t receive my money why did the app state that they had received it and my transfer finally went through three weeks later after I put them on blast on Twitter? Apparently that was the only way to get their attention. They also suggest getting in touch with their support. Which I already stated above I had tried and they took several days to reply. & I had to follow up several times to get the same useless canned replies. While my transfer finally did go through three weeks later, it seemed it was only because I complained publicly on Twitter because their support was so horrendous. I received several twitter DMs from people who said they were experiencing the same thing. I absolutely do not recommend using this app. They very clearly are having problems keeping their operations up and running smoothly..Version: 6.2

Just don’t.TransferWise would be ideal if had appropriate processes and procedures in place to ensure their debit cards actually arrived in a timely manner. I ordered mine well over a month ago; expected delivery, 8 December. No sign of it as yet. They don’t bother to provide a tracking service nor the ability to pay for expedited shipping. The only option is to order another card assuming yours has been lost in transit. So, I am left in situation where I have converted/transferred funds and have no ability to access them. I will transfer these funds back to my own bank account (and currency) at significant expense (and loss due to currency movement) and never use or recommend TransferWise again..Version: 5.5

Not the bestWas confusing. I was able to send money but couldn’t receive it back. Wasted a lot of time i won’t be using it again once I get my money out and pay all the fees.Version: 8.45

Proceed with cautionBe careful. I tried transferring funds internationally with the ach bank wire transfer option. I was repeatedly denied as it said my bank account wouldn’t allow this transfer, though I had transferred before. So, I decided to use the debit card option and the transfer went through immediately after verification with my bank. So, problem solved right? Wrong! Just got a notification today that my bank account is over drawn over $400. Hmm.. well apparently the transfer went through even though it repeatedly told me it was impossible, which is why I used the debit card option! So now there is a double transfer and I have r to wait weeks before getting my money back from over seas. I’m just lucky I trust the other person who is receiving the money, but it’s still going to take time to get my money back.. Oh but whats even better is that transferwise notified me telling me I need to cover the overdrawn balance soon because if they bank recalls the Payment from transferwise then I’m on the hook for the money from transferwise..?. Oh but at least they gave me a free transfer up to £500 on my next transfer... yeah right!! Transferwise Just really screwed up a lot of stuff with their app and really sent a lot of things I had going on now out of place and now I’m going backwards with other things because I have to cover this over drawn amount. why don’t they get their app right??? Be careful with trusting them...Version: 4.15

Not as good as it use to be.Higher charges and the changes made make it less easy to use. Cancelling a transfer use to be easy and instant, not any more. I just had a weird transfer of funds I didn’t do, before the changes I could’ve easily cancelled this as I caught it quickly, it was still pending, cancelling now is not instant anymore so by the time they read my email I now have to send the money would be transferred so I had to block my card whereas before I could just stop the transfer and even if money was paid out I’d get it back asap. Not anymore. I’ve now spent ages in my bs k trying to fix what was once an easy fix, I need to unblock my card. It was a temporary block . Much preferred the old wise set up..Version: 8.18.1

If you like to put your hard earned money where you can’t access them then choose Wise.Sending money to wise account is easy and fast but good luck with getting your money back from them. It takes days and weeks. Therefore, if you expect a way to transfer money to your bank account fast and convenient , you’re going to regret choosing this app. Their team is unprofessional and not helpful at all and they refuse to communicate with customers regards to issues with their app. I’ve rarely leave reviews online but the process of getting my money from Wise account back to my bank account is so bad and frustrating that I feel the need to warn people about them..Version: 8.30

2nd Time, Still Not The CharmTL;DR: Don’t use this app, you’ll simply waste your time. 0 stars if possible So I opened a TransferWise account a few month ago to send myself money from my USA account to my Thailand bank accounts. I made the mistake to use apple’s hide my email feature during sign up. Wise deactivate my account without sending me an email. So when I need to send money I wasn’t aware my account wasn’t working until it was too late and I ended up look like an idiot. I might be so who know. Anyways I left a comment and Wise responded saying, I should appeal my account deactivation. Which I did and they kept it shut. So months later, I’m opening an account with OpenCollective, a site where my company can publicly receive donations and contractors can request payments from set donations. Turns out that they use Wise to transfer the funds from my company account to my contractors account. I begrudgingly opened a Business account knowing how last time went…. And guess what? My business’ account has been shut down and I don’t know why and I needed to pay my contractors today. Also no email. I’ll go back to using Remitly. They have helped me for the past few months and I haven’t had any issue with them. I’m not endorsing Remitly and this is not a paid add, just look at the review on App Store, Remitly has more downloads and 5 stars, wise is slowing loosing the 5 stars. All in all I’m done, gotta go pay some hardworking men and women. Good day..Version: 7.25

Shut my multi-currency account downWise decided to shut my multi-currency account down based on assumptions, making their service completely useless to me. Gave the usual ‘the decision if final, customer service cannot help’ pile of crap. All because of notes I put on transfers to help me keep track of things, and they didn’t like the lingo. Good riddance! I’ve found better options to replace the most important services.Version: 7.71

What a bankI never write a review except on games and such but this, i had to say something. This has been the worst experience i have ever had with a mobile banking app( and i thought monzo was the worse),this takes the meaning of bad to another level. The only good thing about this app is you can reach a customer service representative when you call( not like they would help you ,as most of all your issues is not within their power) . Ranging from holding transactions sent to you for over 7 days and then reverting the money back in the name of “verification “ to deactivating your account and not notifying you AT ALL the deactivation is for reasons unknown AND the only way to is to send an appeal which would be replied to in 30 days. Not that your account would be activated, you would just get a reply after a month of unknown deactivation. And the worst part of it all is that the money in your account would not be given back while your account is deactivated and while you are waiting for a REPLY for 30 days. So, If you want a bank that is just as efficient as telling your frivolous friend to keep money for you, then by all means choose WISE. The only bank with a comically ironic name👍🏿.Version: 8.37

My Account got blocked by customer serviceI had no problems with this app at the beginning, money use to come straight into my account problem free, then uncompleted transfer start coming where some weren’t completing the payments and it was many I couldn’t do nothing about it, and then for some reason customer service blocked my Account not mention wha the real reason was I was very dependent on this app, like a life saver. When tried open a new account with them with my different email I tried 2 different email address it didn’t worked either I then contacted the customer service to see why my account got blocked and got telld to appeal when done tha I received a email telling me they not going to unblock my account not mentioned any reason apparently they can’t it’s a shame they acted lyk tha, and kept me in the dark, I’m very frustrated coz now I can’t find a different app and it’s a real struggle to find something..... the customer service didn’t act in a normal way at all, at the end of day it wasn’t my fault when the payments weren’t completed by some who were trying to send me money, it’s a disgrace customer service acted lyk tha all together, they not even worth getting any stars without a joke, not from me anyway not after they dun this to me,.Version: 6.3

Don’t Send Emergency Bulk Transfers in WiseI have been using Wise to send transfers from NZD to INR. I have verified account has transferred small amounts up to $3500 without issues. Then I had to travel to India and required a lot of money for medical expenses. I did transfer of $14k then it asked for payslip as proof of income and I have provided that and they didn’t say any delay and it was showing should arrive in 2 hours. As soon as I have transferred the amount and they received it the status of transfer changed to pending verification. I have done 10+ transfers never had this issue or they didn’t notify before transfer as there will be a delay. I had to wait 5 days to get the money released by Wise team. Not sure why they do it ? Is it for earning interest on money transferred by people ? They say it is for making it secure why this wasn’t shown 2 days back when I did other transfers. Just be mindful when you transfer lot of money for emergency needs. Otherwise wise is awesome and get you the best transfer rates..Version: 8.0.1

My account is frozenI Transferred money from my personal bank account to pay an important invoice and Wise froze my account to do security check. I appreciate it they do checks, HOWEVER!!! It is now 7 working days 9 in total and I still can’t access my money in any of my currencies. I couldn’t contact anyone so I wrote message as FAQ said 2 days to check documents. I never received an email or message to tell me my accounts has been frozen or to confirm they received my documents and I have written two emails now and finally they tell me that in 2 more days they will release my funds and refund them back into my personal accounts if they haven’t yet reviewed. No apology for the inconvenience or still no confirmation they are processing my information. I’m outraged at the lack of communication and transparency. At no point when making this important transaction did they alert me to a possible security check or acknowledge it had happened. Ridiculous customer service. I will never use them again once my money is returned I will delete and will share this review on multiple platforms so people are aware..Version: 8.27

Teething issues?My daughter in law sent money to my account, it took days to arrive. It was to pay the £20 they requested for the bank details to be opened while awaiting my debit card to arrive. Yes they ask £5 for your card and then they ask for another £20 to get the details of the bank in order to get money sent to it. They lost my money £20 first and then £5 as the £20 wasn’t enough with fees to pay what they wanted. Finally found a chat to support. No apology, no responsibility at all. The outcome was seems the money has gone to an outside account instead of mine, and yet I have emails saying to approve the money and it shows on my home page as being there. So how can it have gone to another account? So now I have to wait for an email when they sort this out but no timescale given. Sorry but a company as big as wise should have better customer service and if mistakes like this happen how do I know money on my card is safe. Customer service needs training to take responsibility and at the very least apologise for issues..Version: 7.57

So disappointed in Wise!If you had asked me for a review a couple of weeks ago it would have been 5 stars! What changed in the last week? Wise asked for additional beneficial owner details for my company and rather than clearly stating the urgency (must be done within 14 days) at the top of the email, it was a single sentence at the bottom of the email and I made the honest mistake of missing it! I missed it because we have been through the same process with HSBC and they very clearly communicated timelines with us via multiple emails and phone calls. So I know what needed to be done and that it was important, I just had no idea that they would suspend my account without a courtesy call or another follow-up email to say "Warning, your account will be frozen if you do not respond". Now I have a frozen account with hundreds of transactions that are failing, and Wise are unable to get anyone to un-freeze my account despite me sending over all the information they need! I am now 16 days into having a frozen Wise account despite emailing support, phoning support and even messaging Wise senior management on LinkedIn!.Version: 8.35

Doesn’t display current market ratesWe frequently transfer money internationally, often trying to take advantage of fluctuations in the market. To do this we need to be able to see current rates easily on one page. The problem I have with this app in the inability to that. The addition of this one feature would vastly improve the customer experience. Also, Wise has a “compare rates” function, which shows how much money you save sending with them. However, since I have several forex apps, I can actually compare rates and those shown by Wise falsely show them in a flattering light. If you simply want to transfer money this app is fine; if you want to send at the best rate, it’s not great. Also, we don’t need to receive money from foreign sources so that function not applicable to us..Version: 7.36.1

Very slow responseI sent money on Aug 4th and until today Aug 19th, the money has not arrived yet. I have been contacting Wise many times but the explanation is normative, its bank partner is doing regulatory check. I needed to send the same amount of money via a conventional bank after waiting for a long time Wise to process my transfer. I did it on 16th and the money arrived on 17th. Yes, I paid more using bank services but less headache. Now, I am waiting for Wise to finish my transaction so I can have the recipient to send my money back to me. Eventually I paid twice bank fees, once Wise fees, a very long time wait and headache and stressful. If you would like the same experience, use Wise.Version: 7.69

If only I can give it -5I processed a transaction that was supposed to be received the next day, but after I confirmed it the app said it’s going to take 10 days and there was no option to cancel it or do anything. I called them, the guy said it’s because I didn’t verify my account when I created it 2 years ago. Well Mr “wise” your system should remind US to verify our accounts and to cancel a transaction instantly if the account is not verified instead of leaving your clients like that. I didn’t even get another email from wise asking me to verify my account to proceed with the transaction. I had to call them to understand why it’s going to take 10 days and then I asked them to cancel it, the guy said I have to verify my account before I cancel it (before they issue a refund). PayPal’s Xoom is much better than this app, these guys don’t know what they’re doing and their app is as horrible as their “policies”..Version: 7.60

Cash back future blocked.I’m currently in US. I was in Walmart for grocery shopping and I decided to ask the store cashier for some cash back for tipping in restaurants. I thought this way is going to save me some trip to ATM machine. I was wrong this future is blocked and doesn’t even show up when you pay for the merchandise. I did try in two other places with same result. Please someone from support answer why the card is not allowing cash back from the stores. Thanks.Version: 8.45

Misses key functionality for bank payments in NZI’ve tried contacting support numerous times about adding support for Payee and Particulars fields next to the Reference field when sending payment to IRD to pay taxes. This is basic functionality that would take a developer a few hours to fix and ship, but instead I’m stuck paying hundreds of dollars in fees each month to pay taxes with a credit card instead because the payment page is lacking. This is basic functionality that every business or person needs in NZ in order to make bank transfers and it’s continuing to be ignored. If you’re a business looking to use Wise as your primary bank account for your business I strongly suggest looking to a traditional bank who understands your needs much better then this fast and loose startup who’s inattentive to the needs of their customers..Version: 7.69

DO NOT USEWe chose to use Wise as our primary source of access to money while overseas for 2 months. It was great until a business accidentally charged us twice for a large purchase and immediately they reversed the second charge but Wise did not release the funds back to us they have in their fine print that any pending funds must remain with them for a 30 day period before releasing the funds. Very lucky I’m a planner and had a second option to access money while overseas to continue our travels. I’ve been on the phone and written numerous emails to resolve this issue and Wise keep changing the rules each time we provide the evidence they request to have the money released. Do not use these guys or very least make sure you have another option in case this happens to you. We are still trying to get back our funds in excess of $2000 AU..Version: 8.27

Extremely slow transferI started the transfer of my USD to Euros last Monday, it is now the following week in Tuesday and I’ve been in Europe since last Thursday night without having any money in my wise bank account because it’s still in the process of transferring. Luckily I brought an extra bank card that I’m sure I’m getting absolutely destroyed in conversion fees on because I have no choice but to use it since I still can’t use my wise card. With only just a few days left in my trip I’m extremely unsatisfied with this whole process. I would’ve transferred my money a month ago had I known it would take this long and even then I would’ve been unsatisfied with the long process. I’m sure the card is nice to use when the exchange process is complete and you can see how much you’re accurately spending in Euros in each transaction but BEWARE and start your transaction currency exchange several weeks before your trip to avoid what I’m currently going through..Version: 8.27

Hiding Behind Extra Checks!After encountering this issue more than once, I have no choice but to share my personal experience. Every time you transfer funds to your wise account, from your own bank account, they put the transfer on hold. Reason: WE ARE RUNNING SOME EXTRA CHECKS. Considering its GBP TO GBP. When you contact their customer service, all you get is a scripted copy and paste reply. Our teams are tirelessly working to resolve this issue etc etc. if you have an urgent payment to make or use Wise for Business use? PLEASE LOOK ELSEWHERE, they will hold you at ransom and all you can do is just wait! They will not help you at all. And will conveniently let the clock run! Personally, this whole thing is getting worse by the day. Specially when they changed the name to Wise for whichever reason! Once my funds clear, I am closing my account with them! In today’s world, time is money, which wise and their so called customer service help desk has no idea about! Just a bunch of Robots clicking some random buttons!.Version: 7.48.1

Mistakenly entered wrong email in creating account.Hi team, I am facing a very strange situation I created Wise account and when I was signing up I missed one digit in my email and completed the whole process. The strange thing is wise don’t ask me at that moment which he had to that I had to verify the email before completing the signup process but anyhow app doesn’t required but when I was again trying to sign in on laptop with my actual email then it didn’t let me through because email address is wrong with wise perspective because I registered with wrong email at that point I realised and check in my wise app setting my email address is different and when I tried to correct it or want to change to my actual email it required verification from previous wrong email address which ofcoarse I can’t do that. So this is a bug you guys have to remove if anyone starts signing up you have to verify their email address before creating their account. Kindly help me ASAP. Thank You.Version: 7.71

Fees, Fees, Fees!Update: I had to update my review from a few weeks ago since the fees just kept coming. Apparently when you use a credit card, it’s considered a “cash advance”, so on top of the multiple Wise fees, there’s the $10 transaction fee, plus a “cash advance”. I would have saved money just doing an international wire transfer with a flat rate! (Plus it would have been more trustworthy) Please excuse me while I delete this app for good. Original: The interface is a bit weird as you can’t just select the amount you need to send the recipient. There are a lot of fees on the first page, but when you go to the next page, the method of payment will add another percentage. I chose a credit card for added security, which was the highest percentage at around 1.85%. Additionally my credit card, which is very international- friendly, charged me an additional $10 USD transaction fee for each transaction, regardless of the sent amount. I will continue to look for other methods that are not so costly in the future..Version: 8.22.1

HopelessWise and it’s functionality has been advertised extensively on Australia TV recently. It promised to be much more flexible than the app I had been using to transfer money before so I signed up. After taking all my details including copy of my drivers licence I tried a small transfer to it out. After several delays it took about four days. Hoping this was only a first off delay while they checked my details I tried again. Another relatively small transfer for a relatives medical expenses, I still encountered several delays despite the app promising the transfer in minutes. After four more days I was told that the transfer was cancelled even though wise had received my money. Then my account was deactivated, no reason given. Fortunately my money was refunded. Is this app a scam to get my personal details? I hope they have deleted my personal info. Bye bye Wise back to WorldRemit whom I have used many times previously with no problems and almost instantaneous transfers..Version: 7.76

Account closed as soon as I sent a larger sum of moneyI’ve only used Wise for about and month and my account has been deactivated without any reason for why. I was going to use Wise to exchange my GBP into EUR as I’m moving from the UK to Europe next month for university so I need EUR to fund uni and for spending while I’m living there. I sent just under £3000 from my bank to Wise to carry out the exchange but they did not accept the money for around 2 days (running security checks I believe which is normal), usually a transfer takes seconds so I assume it’s because I sent a larger sum of money. I contacted customer support and they said no money had come through, yet my bank claimed the money was accepted so I’m not sure how neither of them can not have my money. Anyway, the following day when I woke up to check if the money had come through, I’m slapped in the face with ‘account deactivated’. I’m then offered an appeal option so I can either provide evidence for why I’m not some scam artist or thief but just a student looking to send large sums of his hard earned money into his new homeland, however this appeal link did not work. They decided to indefinitely close my account without considering my appeal. Fortunately I didn’t have any money in my wise account so there’s no trouble there, and my £3000 transfer did turn up back in my original bank so Wise clearly had it. I’m just disappointed I wasn’t able to use Wise as it would greatly help me in the near future..Version: 8.11

ScamThis company took $10k USD from my account and then closed my account without any explanation and customer service does not answer anything on deactivated accounts according to their joke of a customer service line. Don’t get fooled. This is just a scam company. So now they reply to this review by saying that they will refund my money once they do their ´due diligence’. Why did they not do this due diligence before they took my money. The fact is they did do their due diligence and stole the money. Then you go to their website and it says that they can take up to 90 days to refund the money. So basically, instead of wiring my own money from my account to my other account, they get to keep my cash for three months and I am lucky if I get it back. This is what they have done to all their customers. It is a systematic way. This is the system. This company is the biggest fraud I have personally encountered and hope that people read this review and never use them. I also wish Apple would take this seriously and investigate this fraudulent company..Version: 5.31.1

Ok when it worksI have found transferwise to be very useful when it works, unfortunately this service doesn’t work all the time, often transfers are blocked and suspended for a variety of reasons and getting straight answers from the app can prove to be difficult, they are also very slow to respond with their explanations of why transfers have been suspended or blocked, furthermore, even after you meet there requirements and send whatever information they requested they still are extremely slow to free up the suspended funds and sometimes even ask for additional information. Transferwise is a good application if you plan to send money just one time but if you want to send money more frequently than this then I would not recommend this app..Version: 6.15

TransferWise Performance Drop-offEvery time I open to use now unable to calculate rate or accept transaction for no apparent reason. Very unsatisfactory. Happy to use alternatives if this continues. Right now will not process my weekly transfer as unable to handle conversion. One week later, the app makes me sign in again. Once in, on every request/function I have to sign in again and again. My full account page is gone with just a page of previous transactions and any other function I click on it make me sign in again! Finally, I discovered by clicking on any previous transaction it lets me resend that amount. Very very timewasting. And you ask me to contact support for help but the malfunctioning app app won't let me click on anything! This after a complete new download. Please advise. Completely unable to send or transfer. Having to download a new app every time and then register AGAIN via my phone. AND NO RESPONSE VIA CONTACT OR FROM THIS PAGE....THATS A MONTH OF THIS NOW,.Version: 4.8.1

They stole $8000Do not under any circumstances use this “service” We are a reputable business employing ‘22 staff in Brisbane Australia. We setup ‘wise” in November 2021 and used it to pay our suppliers, contractors, software subscriptions and social media advertising; around 80 recipients over the course of a month, with around 200 transactions. First we hit an undisclosed and unreasonable limit for the account that made the service useless as it basically froze our funds for 9 days prior to the end of the month, the limit was $50k spending in total per month. This left our suppliers waiting for payment and ceased our social media advertising until we could switch to a real bank card. Quite an administrative nightmare. Then suddenly and with no warning on 1st December 2021, this terrible excuse for a bank closed our account, withheld the statements and worst of all, only partially refunded the funds in our account. They have apparently misplaced $8000… 18 emails to customer service and they claim to still be investigating, it’s now the 2nd of January 2022, and we’re still missing $8000. You may not have a business that spends as much by credit cards as us, but consider whether you can risk losing everything in your “account”? Their customer service is by email only, nobody to call, no Australian based rules, just a seemingly completely unaccountable offshore pretend bank. Do not rely on their service for anything!.Version: 7.39

Poor, poor, very slow deceitful servicePreviously used other services which paid out to overseas recipients within one hour. Decided to try TransferWise because of their promise of also one hour transfer to the same destination and recipient. However, once transaction and payment submitted I was provided an update of 12 hours. Nearly 13 hours later I was informed transfer has been sent but will be received by the recipient in another 3 days. While at the processing stage I decided to use their cancellation option which was clearly available. I went through all the steps and at the final stage when I confirmed the cancellation, it was denied. I have screenshots to prove it. I initiated the transfer on Thursday and am now being advised the money will be paid out on Monday. Because it is desperately needed today, Friday, I have had to resend the amount via another service provider, and already received confirmation it’s ready to be picked by the recipient..Version: 5.6.4

Money transferIn the last few days I transferred money from my U.K. bank account into a Thailand account Wise said it would only take a few seconds as I used a debit card payment option i transfer money into this same account regularly through Wise but this time it’s been 3 working days and It still hasn’t gone in now it’s the weekend and they say they don’t do transfers over the weekend so come Monday the money will be out of my account for 5 days. I transferred a smaller amount into the same account yesterday and it went in within seconds. I’ve been sending Wise emails as they said they would keep me updated but they haven’t. At the moment it’s the weekend and I don’t know where my money is as it hasn’t been payed out but has been taken from my U.K. account. I don’t find the service Wise provides consistent or reliable and I’m very disappointed..Version: 8.1

Verification of Identity - policy should changeMost of the bank in the UK can electronically verify an account holder at the time of account opening. Bank uses credit history, Debit card and electoral register information to verify. Wise should be able do the same. As a customer I don’t feel comfortable providing my identification to an online based company via App. Don’t know where this will end up. I wanted send very small amount of pocket money to a family member studying abroad. Stopped when I saw I have to share my identification. Then I used my regular Bank account to send money with extra cost. Wise should have either verified me electronically with my debit card for sending small amounts and have a policy to have extra verification for user sending very large payments i.e. £5000 or more..Version: 8.16

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