Wise
What does this mean?
Grade A (high: almost everything comes from official pages read directly). 100% of 33 sources are the organization's own pages or government sites.
Get help with (5)
- Fraud or scamReport a scam through the logged-in victim report. Wise can try to recall the money but does not guarantee a refund.
- Unauthorized chargeFreeze the card or account at once, report the transaction, and use the 120-day protection window.
- Dispute with a merchant through the bankReport a transfer error in writing. International transfers over $15 have 180 days; other transactions have 120 days.
- Account frozen or closedWise can hold balances and close accounts without giving the reason. Appeal or request a refund through the appeals page.
- Refund requestCancel an unpaid transfer yourself. US remittance transfers can be cancelled within 30 minutes of payment for a full refund.
Contacts (10)
Phone
- Wise US customer support Account holder only
The number in the error-resolution section of the US Customer Agreement and in the state licensing disclosures.
Use for: Dispute with a merchant through the bank, Unauthorized charge, Fraud or scam, Refund request, Account frozen or closed, Poor service or broken promise
Source: wise.com, verified 2026-10-12
- Wise US contact and complaints line Account holder only
Use for: Poor service or broken promise, Refund request, Account frozen or closed
Source: wise.com, verified 2026-10-12
Online forms
- Contact Wise when you cannot log in
Use for: Account access, Unauthorized charge, Fraud or scam
Source: wise.com, verified 2026-10-12
Online tools and accounts
- Help Center contact (chat, email, call-back options) Sign-in required
Use for: Poor service or broken promise, Refund request, Dispute with a merchant through the bank, Account frozen or closed
Source: wise.com, verified 2026-10-12
- Report fraud or a scam (guided victim report) Sign-in required
In the app, open the transfer, tap "?" and choose "How do I report a fraudulent payment?".
Use for: Fraud or scam
Source: wise.com, verified 2026-10-12
- Dispute a Wise card payment Sign-in required
Use for: Unauthorized charge, Dispute with a merchant through the bank
Source: wise.com, verified 2026-10-12
- Appeal an account decision or request a refund after closure Sign-in required
The account owner needs access to the registered email. If the page does not work, reply to the deactivation email.
Use for: Account frozen or closed
Source: wise.com, verified 2026-10-12
- Wise Support (error and unauthorized transaction notices)
Send from the email address linked to the Wise account.
Use for: Dispute with a merchant through the bank, Unauthorized charge
Source: wise.com, verified 2026-10-12
- Wise complaints team
Use for: Poor service or broken promise, Account frozen or closed, Refund request, Dispute with a merchant through the bank
Source: wise.com, verified 2026-10-12
- Written errors and complaints, Wise ComplianceWise US Inc., ATTN Wise Compliance, 30 W 26th Street, Floor 6, New York, NY 10010
Mail only. Wise says this office is not open to customers.
Use for: Dispute with a merchant through the bank, Unauthorized charge, Poor service or broken promise
Source: wise.com, verified 2026-10-12
Escalation path
Go up one step at a time. Keep the reference numbers and dates from each contact.
Customer service
Written complaint
Wise aims to give a final response within 15 calendar days, extended to 35 calendar days if it tells you why.
Federal regulator
State agency
Your state’s financial regulator. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).Wise lists each state regulator on its state licenses page.
Arbitration
JAMS arbitration under section 28 of the US Customer Agreement. You can reject it within 21 days after the account opens.
Known blockers
- The Help Center contact options, scam report form, card dispute page and appeals page need sign-in to the Wise account.
- Appeals need a photo ID and a live photo of the account owner holding it. Only the person can supply them.
- Wise does not give the reason for an account closure, and Customer Support cannot see it.
- The phone lines need the account holder.
Scam warnings
Official domains
wise.com
Real links and emails from Wise end in one of these.
Wise will never ask you for
Wise will never ask for your password, PIN, card CVV number or one-time password (OTP) in an email, text or phone call.
Source: wise.com, verified 2026-10-12
Wise will never ask you to transfer money or approve a transaction to help with an investigation.
Source: wise.com, verified 2026-10-12
Known scams
Phishing emails copy Wise's logo and colors, say your account was deactivated or that you won a prize, and ask you to log in through a link. Wise says its real emails address you by your first name and link only to websites that start with https://wise.com, except approved research websites.
Source: wise.com, verified 2026-10-12
Scammers contact you on WhatsApp or Telegram and ask you to confirm your card details, often with references to recent reservations or deliveries.
Source: wise.com, verified 2026-10-12
Scammers impersonate your bank, the police or the IRS and create urgency, for example by saying your money is at risk, to trick you into sending money.
Source: wise.com, verified 2026-10-12
Report phishing
- Report a phishing email or site that pretends to be Wise
The form asks for the phishing site URL. It is not for customer support. If you clicked a link or shared sensitive data, contact Wise at once.
Use for: Fraud or scam
Source: wise.com, verified 2026-10-12
For the whole industry, read Payment apps and money transfer services — how complaints work.
Verification notes
US customers contract with Wise US Inc. (US Customer Agreement version 1.5, last updated 2026-09-25), NMLS ID 1351219, licensed as a money transmitter in most states. In other states Wise offers services with partner financial institutions (program sponsored by Community Federal Savings Bank) under separate terms. Wise moved its primary stock listing from London to Nasdaq in May 2026. The agreement gives two support numbers, +1-888-908-3833 and +1-844-926-4389.
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