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 live in	The following agreements will apply to you
the United Kingdom or a jurisdiction other than the ones listed below	When you send, hold, spend, or receive money with Wise Customer Agreement (Personal) Customer Agreement (Business) Wise Card Supplement Acceptable Use Policy Cookie Policy When you use our Assets feature Assets Customer Agreement & Key Documents Assets Customer Agreement (Stocks) Assets Customer Agreement (Interest) When you use our Group Spending feature Group Spending Terms and Conditions When you use our Young Explorer service Young Explorer Terms and Conditions When you use our Account Information Services Account Information Service Supplement When you use our card Payments Processing Services: Customer Terms for Acquiring Payments Services When you use our Payment Information Services: Open Banking Terms and Conditions
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 **The translations are for convenience only and the English version shall prevail.
the US states and territories listed here	Customer Agreement Acceptable Use Policy Consumer Privacy Notice Electronic Communications Policy Wise Interest Feature Program Agreement Short Form Disclosure Long Form Disclosure Cardholder Agreements: US Cardholder Agreement - CFSB (Mastercard) US Personal Cardholder Agreement - CFSB (Visa) CFSB Privacy Policy US Personal Cardholder Agreement - Lead US Business Cardholder Agreement - Lead Lead Privacy Policy Mastercard Guide to Benefits When you use our card Payments Processing Services: Customer Terms for Acquiring Payments Services
American Samoa, Mariana Islands, or Nevada	Customer Agreement
Australia	Customer Agreement - Personal Customer Agreement - Business Wise Card Supplement Acceptable Use Policy Cookie Policy Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) Target Market Determination Consumer Data Right Policy When you use our Group Spending feature: Group Spending Terms and Conditions When you use Interest: Assets Customer Agreement Assets Customer Agreement & Key Documents When you use our card Payments Processing Services: Customer Terms for Acquiring Payments Services
Brazil	When you send, hold, spend, or receive Brazilian Real with Wise Brasil Termos de Uso dos Serviços Termos de Uso de Perfil Empresarial Termos de Uso da Conta Wise Adendo do Cartão Wise Política de Uso Aceitável Termos e Condições do recurso de saldo compartilhado When you use our Assets feature (Rende+) Termos de Uso Rende+ para Residentes do Brasil - Portuguese Version When you send, hold, spend, or receive money with Wise in currencies other than Brazilian Real Customer Agreement, (Termos de Uso Wise Account - Portuguese Version) Termos de Uso Perfil Empresarial - Wise Account - Portuguese version Termos e Condições do recurso de saldo compartilhado
Canada	Customer Agreement, (French Version) Wise Card Supplement , (French Version) Acceptable Use Policy, (French version)
China	When you remit your income within China overseas Customer Agreement
Hong Kong	When you send Hong Kong Dollars Personal Customer Agreement, 個人客戶協議 Business Customer Agreement, 商業客戶協議 Acceptable Use Policy, 可接受使用政策 When you use our card Payments Processing Services: Customer Terms for Acquiring Payment Services, 收款服務客戶條款
India	When you send Indian Rupees Customer Agreement When you receive Indian Rupees Terms of Use for Receiving Indian Rupees
Indonesia	Customer Agreement, (Bahasa Indonesia Version)
Israel	Customer Agreement, Hebrew version
Japan (日本)	利用規約（個人）, Terms of Use (Personal) 利用規約（法人）, Terms of Use (Business) 利用規定, Acceptable Use Policy カードサービスに関する特約, Special Provisions for Card Services 補償方針, Compensation Policy
Malaysia	Customer Agreement Wise Card Supplement License Information Product Disclosure Sheet (PDS) Customer Charter When you use our Group Spending feature: Group Spending Terms and Conditions
Mexico	When you send Mexican pesos with Wise Mexico: Acuerdo de Cliente Wise
New Zealand	Customer Agreement Wise Card Supplement Acceptable Use Policy Cookie Policy When you use our Group Spending feature NZ Group Spending Terms and Conditions When you use our card Payments Processing Services: Customer Terms for Acquiring Payments Services
the Philippines	Customer Agreement (Personal) Customer Agreement (Business) Wise Card Supplement
Singapore	When you send, hold, spend, or receive money with Wise Customer Agreement (Personal) Customer Agreement (Business) Wise Card Supplement PayNow QR Supplement Acceptable Use Policy Cookie Policy When you use our Assets feature Assets Customer Agreement When you use our Group Spending feature: Group Spending Terms and Conditions When you use our card Payments Processing Services: Customer Terms for Acquiring Payments Services
Turkey	Customer Agreement, (Turkish version)

2. Additional activities

Location	If 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)
Global	If you consent to the processing of your biometric data for identity verification purpose	Facial Scan Privacy Notice

3. Privacy Notices

(Global) Personal Customers - Privacy Notice

(Global) Business Customers - Privacy Notice

4. Important Documents

Entity	Document name	Published date	Download
2025
Wise Assets Europe AS	Wise Assets Europe AS Disclosures	31 July 2025	Download
Wise Assets Europe AS	Profit Distribution	15 July 2025	Download
Wise Assets Europe AS	Annual Report	15 July 2025	Download
Wise Assets Europe AS	Interim Annual Report	31 May 2025	Download
Wise Assets Europe AS	HY FY25 Interim Annual report	6 November 2024	Download
For previous years, you can find these documents on our Results, Reports & Presentations page.