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Wise GBP to NGN 0-Fees Promotion Terms & Conditions

Please read these terms carefully. By participating in this promotion, you agree to be bound by these Wise GBP to NGN 0-Fees Promotion Terms and Conditions (“Terms”) and our Customer Agreement.

This promotion is offered by Wise Payments Limited ("Wise," "we," "us") and is a limited-time offer.

1. Eligibility

This promotion is exclusively for new, first-time Wise customers who:

  • Are legal residents of the United Kingdom;
  • Are at least eighteen (18) years of age;
  • Are an individual opening and using a Wise account for personal use, not for business or commercial purposes;
  • Sign up for a Wise Account during the promotion period; and
  • Have never completed any cross-currency transaction with Wise before in any currency.

Important: Existing Wise customers are not eligible for this promotion. This offer cannot be combined with any other Wise promotion.

2. The Promotion

The promotion provides a one-time waiver of the transfer fees on your first successful Great British Pound (GBP) to Nigerian Naira (NGN) transfer or conversion within your balance (a “Qualifying Transfer or Conversion”) during the promotion period, up to a maximum transfer amount of £1000 GBP (the “Promotion”).

  • The fee waiver will be automatically applied to your Qualifying Transfer or Conversion and can only be used once.
  • Qualifying Transfers or Conversions exceeding the £1000 GBP threshold will have the standard fee applied to the amount over the threshold.
  • This Promotion only applies to Qualifying Transfers paid with a domestic debit card, connected bank account or from an existing balance in the customer’s Wise account.
  • This Promotion does not apply to any Qualifying Transfers paid for with a credit card, international debit/credit card, business debit/credit card or wire transfer.
  • This Promotion does not apply to scheduled Qualifying Transfers.
  • This Promotion has no cash value and is non-transferable.

3. Promotion Period

The promotion period consists of two distinct timeframes:

  • Promotion Sign-Up Period: The Promotion is open for new customer sign-ups from December 3, 2025 at 14:00 GMT and ends on January 3, 2026 at 23:59 GMT.

  • Individual Transaction Period: An eligible customer that signs up within the Promotion Sign-Up Period must complete their first Qualifying Transfer within thirty (30) days of their sign-up date.

Qualifying Transfers submitted after the respective deadlines will not be eligible.

4. Important Conditions

  • Successfully Completed Qualifying Transfer or Conversion: A Qualifying Transfer or Conversion is considered "successfully completed" once the funds are deposited into your designated recipient's account or the conversion is fully processed within your Wise account. Qualifying Transfers that are later declined or charged back are not considered successful.

  • Wise’s Discretionary Rights: Nothing in these Terms shall be construed as a waiver of Wise’s rights or obligations under its Customer Agreement or applicable laws and regulations. Wise reserves the right, in its sole discretion, to reject, refuse, or limit any transaction or conversion for any reason, including but not limited to, legal, security, or regulatory concerns. If a transaction or conversion is refused or limited for any reason, it will not be considered a Qualifying Transaction, and the customer will not be eligible for the Promotion.

  • Abuse and Disqualification: Wise reserves the right to disqualify (in its sole and absolute discretion) any eligible customer or Qualifying Transfer or Conversion that appears fraudulent, abusive, or non-compliant with these Terms or Wise’s Customer Agreement. Any attempt to abuse this Promotion by using multiple identities or accounts will result in disqualification at our sole discretion.

  • Right to Modify or Cancel: Wise reserves the right to unilaterally amend, cancel, modify, or suspend this Promotion and/or the Terms fully or partially, at any time, with or without notice.

5. Representations and Warranties

You represent and warrant that you:

(i) participate in the Promotion in good faith and for lawful purposes;

(ii) are not under the age of 18 by the date Promotion starts;

(iii) are eligible to take part in Promotions as set under these Terms;

(iv) are the person named as owner of your Wise Account and you take part in the Promotion solely for and on behalf of yourself and not directly or indirectly, in whole or in part, for or on behalf of any other person or legal entity; and

(v) confirm that you have complied with all applicable laws, statutes or regulations in connection with the Promotion, as well as with these Terms, and Wise will not infringe any laws as a result of your participation in this Promotion.

6. General Terms

  • Limitation of Liability: To the fullest extent permitted by law, Wise, its directors, officers, and employees are not liable for any claims, losses, or damages related to your participation in this Promotion.

  • Governing Law: These Terms are governed by English Law. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

  • Data Protection: Any personal data collected during this Promotion will be processed in accordance with Wise’s Privacy Policy.