Raison socialeWise Payments Limited · Wise Assets UK Ltd · Wise Europe SA · Wise Asia-Pacific Pte. Ltd.
Année de création2010
Siège / pays d’immatriculationLondon, United Kingdom
Site webwise.com
Dernière vérification08.10.2026
According to its official website, Wise is a company offering international accounts and money transfers to individuals, businesses and banks; in the UK the service is provided by Wise Payments Limited, which the site says is authorised by the FCA under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN 900507). The site says 18.9 million customers, businesses and banks use Wise every day. The personal account offers more than 40 currencies, local account details (IBAN, sort code, routing number), a multi-currency debit card accepted in more than 150 countries and international transfers, most of which arrive within seconds; Wise Assets, which pays a return on balances, is offered by Wise Assets UK Ltd. Wise Business gives companies multi-currency accounts, payments and collections, company cards and accounting integrations, and Wise Platform lets banks and institutions connect to the Wise network. According to its regulation page, the group is licensed through Wise Europe SA in Belgium (NBB), Wise Assets Europe AS in Estonia, Wise Australia Pty Ltd, Wise Asia-Pacific Pte. Ltd. in Singapore and local companies in Japan, Hong Kong, India, Indonesia, Israel, Malaysia, Mexico, the Philippines, Thailand, the UAE and Brazil; in the US, Wise US Inc. is registered with FinCEN and transmits money under state licences. According to Companies House, the company was incorporated in 2010 and was formerly TransferWise Ltd. This information is the company's own statement.
Détails du compte
TYPES DE COMPTEPersonal account · Business account (Wise Business) · Enterprise integration (Wise Platform)
DÉPÔT MIN.Not stated
PLATEFORMESWebsite · Wise mobile app (iOS, Android) · API
PRODUITSMulti-currency account · International money transfer · Multi-currency debit card · Returns on balances (Wise Assets) · Business payments and API
Licences et réglementation
FCA (United Kingdom)
N° de licenceFRN 900507
Titulaire de la licenceWise Payments Limited
PérimètreListed in the FCA register as an Authorised Electronic Money Institution under Wise Payments Limited (FRN 900507) since 7 Jun 2018.
StatutVérifiée
FCA (United Kingdom)
N° de licenceFRN 839689
Titulaire de la licenceWISE ASSETS UK LTD
PérimètreListed in the FCA register under WISE ASSETS UK LTD (FRN 839689); status Authorised since 25 Feb 2020. It holds permissions for dealing and arranging deals in investments and safeguarding assets.
StatutVérifiée
ASIC (Australia)
N° de licenceAFSL 513764
Titulaire de la licenceWise Australia Pty Ltd
PérimètreThe ASIC licence dataset lists AFS licence 513764 under WISE AUSTRALIA PTY LTD (since 30 Nov 2020, Sydney), covering foreign exchange contracts and non-cash payment products for retail and wholesale clients.
StatutVérifiée
ASIC (Australia)
N° de licenceAFSL 545411
Titulaire de la licenceWise Australia Investments Pty Ltd
PérimètreThe ASIC licence dataset lists AFS licence 545411 under WISE AUSTRALIA INVESTMENTS PTY LTD (since 5 Jul 2024, Melbourne), covering general advice and dealing in interests in managed investment schemes.
StatutVérifiée
MAS (Singapore)
N° de licenceNot stated
Titulaire de la licenceWise Asia-Pacific Pte. Ltd.
PérimètreListed in the MAS Financial Institutions Directory under WISE ASIA-PACIFIC PTE. LTD. with a Major Payment Institution licence and a Capital Markets Services licence covering dealing in collective investment schemes and custodial services.
StatutVérifiée
Réclamations des utilisateurs
Les signalements d’utilisateurs trouvés en ligne sont classés par sujet. Les graphiques montrent la répartition des signalements ; ceux-ci sont compilés à partir des enregistrements publiés sur Trustpilot, WikiFX et Şikayetvar, et les enregistrements d’une même personne ne sont comptés qu’une seule fois.
Période examinée: octobre 2025 – octobre 2026
Retraits et paiements: 73
Blocages et gels de compte: 48
Autre: 8
Prêts et cartes de crédit: 6
Opérations non autorisées: 5
Frais et commissions: 4
Service client: 4
TRÈS ÉLEVÉ — NIVEAU DE RÉCLAMATIONS
< 1 % des établissements ayant des réclamations enregistrées en ont reçu davantage que celui-ci.
PAR SUJET — Retraits et paiements: Très élevé · Blocages et gels de compte: Très élevé · Autre: Élevé · Prêts et cartes de crédit: Très élevé · Opérations non autorisées: Très élevé · Frais et commissions: Élevé · Service client: Moyen
The complaint distribution is based on the latest 1-star reviews on Wise's Trustpilot page (92) and Şikayetvar (56) records as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Wise name are left out. Across the complaints, delayed, missing or unrefunded transfers and allegations of funds held in accounts closed or restricted without warning stand out.
Sources et historique des vérifications
Sources officielles de la sociétéwise.com — homepage (UK and EEA versions, incl. legal notices) and the 'How is Wise regulated in each country and region?' help article; App Store app (seller Wise Payments Ltd)
Enregistrements du régulateurFCA — Wise Payments Limited, FRN 900507 · WISE ASSETS UK LTD, FRN 839689 (register.fca.org.uk) · ASIC — WISE AUSTRALIA PTY LTD, AFSL 513764 · WISE AUSTRALIA INVESTMENTS PTY LTD, AFSL 545411 (ASIC licence dataset) · MAS — WISE ASIA-PACIFIC PTE. LTD. (eservices.mas.gov.sg/fid)
Registre des sociétésCompanies House — WISE PAYMENTS LIMITED, company no 07209813, incorporated 31 Mar 2010 (formerly TRANSFERWISE LTD, EXCHANGE SOLUTIONS LTD)
Sources d’avis des utilisateursTrustpilot · Şikayetvar · WikiFX
ForexQ.com
