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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 live inThe following agreements will apply to you
the United Kingdom or a jurisdiction other than the ones listed belowWhen 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

    • When you use our Group Spending feature:
  • Group Spending Terms and Conditions
    • 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
    • BrazilWhen 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)
    • ChinaWhen you remit your income within China overseas
  • Customer Agreement
    • Hong KongWhen 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
    • IndiaWhen 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
    • MexicoWhen 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
    • SingaporeWhen 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

    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
  • 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.