Note, the name for your 'main account' in Wise can vary based on your location. To find the exact terminology used in your region, please check the product directly.
What happened?
Your bank payment to Wise failed after we had already completed or refunded your transfer. This means we never received the money from your bank, but your recipient already has it (or you received the refund). Because of this, you still need to pay us for the transfer or return the refund.
How do I fix this?
Log in to your Wise account
Look for the red banner on your activity list or home screen
Select the banner to see instructions on how to pay the missing transfer
Why did my bank payment fail?
There are a few common reasons why a payment might fail:
You didn't have enough money in your bank account.
The bank account details you entered were incorrect.
Your bank stopped the payment for technical or security reasons.
Good to know: Payments from a connected bank account can take up to 4 working days to reach us. You'll usually see the money leave your bank account within 2–3 working days.
Why is my balance negative?
When your bank payment failed, we automatically tried to pull that amount from your Wise account to cover the cost. If you didn't have enough money in your account at the time, your balance went into the negative.
Will I be charged extra fees?
You only need to pay the original amount you owed for the transfer. However:
If your balance is negative, we may charge a small fee when you add money to fix it
Your bank might charge you their own fees for the failed payment — Wise can't reimburse these, so you’ll need to contact your bank to discuss them
What if I was scammed by my recipient?
If you think you've been scammed, please report it to us immediately from your Activity list and file a report with your local authorities.
While we’ll do our best to look into it, Wise cannot get involved in disputes between senders and recipients. Since you originally set up and authorised the transfer, we still need to ensure the amount is paid.
You can read more about this in our Terms of Use under Reversals and Chargebacks for your region.