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Our agreements with you


1. Your Location


If you move abroad/change location, your Wise Service provider might change as well and, as a consequence, you will be subject to the Agreements with the respective other Wise entity, as described here. If you are looking for non-EEA terms and conditions, click here.

If you live inThe following agreements will apply to you
the European Economic Area
  • Customer Agreement (Personal), (Hungarian version), (German version)
  • Customer Agreement (Business)
  • Wise Card Supplement, (German version)
  • Acceptable Use Policy, (German version), (French version)
  • Cookie Policy, German version
  • Leaflet - your rights in payments in EU

    • When you use our Assets feature
  • Assets Customer Agreement & Key Documents
  • Assets Customer Agreement (Stocks+Interest)

    • When you use our card Payments Processing Services:
  • Customer Terms for Acquiring Payments Services

    • When you use our Group Spending feature
  • Group Spending Terms and Conditions (Personal)
  • Group Spending Terms and Conditions (Business)

    • **The translations are for convenience only and the English version shall prevail.

    2. Additional activities

    LocationIf you perform the following activities:The following agreements will apply to you:
    Global
  • If you use Wise Assistant
  • Wise Assistant Terms of Use (English Speaking)
    • Global
  • If you use our rate tracking service
  • Rate Tracker Terms
    • Global
  • If you participate in our “refer a friend” program
  • Referral Terms, (German version)
    •

    3. Privacy Notices

    LocationDocument name:The following notices will apply to you:
    Global
  • Personal Customers
  • Privacy Notice
    • Global
  • Business Customers
  • Privacy Notice
    • Global
  • Young Explorer
  • Young Explorer Privacy Notice
    • Global
  • If you consent to the processing of your biometric data
  • Biometric Data Processing Notice

    • 4. Important Documents

    EntityDocument namePublished dateDownload
    2025
    Wise Assets Europe ASWise Assets Europe AS Disclosures31 July 2025Download
    Wise Assets Europe ASProfit Distribution15 July 2025Download
    Wise Assets Europe ASAnnual Report15 July 2025Download
    Wise Assets Europe ASInterim Annual Report31 May 2025Download
    Wise Assets Europe ASHY FY25 Interim Annual report6 November 2024Download
    For previous years, you can find these documents on our Results, Reports & Presentations page.