Wise Reviews

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Uses Wise as their main account and has been with it for eight-plus years without an issue, keeping Revolut only for its joint account feature.

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Used Wise to move all the money for their daughter's three years at university in Amsterdam and found it the cheapest option and always very reliable.

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Has sent a lot of money from the US to Canada through Wise for a car and a house with no problems and the best exchange rates, though one final transfer had to wait a month because of a maximum within a 3-month period.

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Lived in the UK for 24 years with accounts on both sides and used Wise whenever shifting funds, finding it very fair at under 0.3% compared with over 2% at most banks.

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Was infuriated by Wise's initial account setup and quit, but eventually returned because it saved so much in fees, and uses it as a spending account with easy USD-to-euro moves.

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Says Wise closed their private and business account four weeks ago with funds still not refunded, blaming AI-triggered flags with zero transparency, and warns not to keep much money in it.

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Waited almost a month for Wise to process a transfer, only to have it cancelled and refunded for less than sent, with Wise blaming them and charging a cancellation fee.

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Finds Wise good but says that when an account goes negative from bank-to-Wise transfers, incoming transactions get extra scrutiny and money can be held in transit for up to a week.

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Has used Wise for two years without issues and finds it usually the cheapest, with transfers normally arriving within minutes, though an unusual or larger amount can take an extra day.

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Moved a large sum through Wise and paid a significant amount in fees, so would use an international broker for large transfers and Wise for small ones.

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Used Wise recently to transfer a fairly large sum in several wires, finding fees competitive and upfront and the exchange on their currency pairs streets ahead of banks and xe.com.

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Wishes they had switched to Wise sooner and finds it much cheaper after a couple of years, though US-to-Ireland transfers used to take minutes and now take a couple of days.

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Domestic ACH transfers from Wise to an external fintech account kept failing and bouncing back, and Wise customer service said it was looking into it without resolving it.

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Sent an international transfer to a friend's Wise card that Wise declined, and more than two months later the money has not returned, with no specific information on the refund status.

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Says Wise rejected their bank wire two weeks ago and will not return the money or answer where it is, just days before a house purchase.

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Says that with Wise you know the exact fees and outcome before sending, and in their experience it is the fastest and usually cheapest option compared with wire transfers.

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Typically paid around 0.6% to convert small amounts with Wise, calling the rate competitive and the fee disclosure very transparent, though wary of using it for very large transfers.

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After accidentally sending a small payment twice, Wise credited a generous amount toward fees that lasted a year.

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Funded a house purchase with several ACH transfers into Wise in 2024; each took about five days to clear but there were no issues.

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Says Wise cancelled a small personal transfer less than an hour after sending and soon emailed that the account would be closed for a policy violation, and appeals and a long phone call with customer service got nowhere.

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Wise closed their US business account because they work remotely and will not let them keep a debit card or interest, but they are still happy with it, calling the app incredible and support great.

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Says Wise repeatedly requested business documents every few months and delayed reviewing them, triggering an automatic account block for an LLC with no crypto or sanctioned exposure, and advises using a real bank.

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Has used Wise a few times a month for ten years and finds its fees generally much lower than a bank wire or Western Union, and lower than Remitly too.

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A large transfer got stuck somewhere while Wise kept saying it arrived, and after a long complaint they offered a small compensation and the money came back four months later.

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Sent a large transfer from a US account to a European bank through Wise and it worked fine, though they were nervous while waiting for it to clear.

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Finds Wise better than a credit union wire for smaller amounts, and likes being able to set up the Wise US account as an external account to move money easily.

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Has transferred large amounts through Wise without any issues.

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On an established account, moving their own money between USD and EUR with Wise rarely takes more than two minutes; says it avoids intermediary banks and shows exact amounts before sending.

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Used both Wise and a Schwab account to send money to a child's college in Ireland and found Schwab cheaper.

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Always uses Wise to move money from a US account to Ireland by wiring to a US account, exchanging in Wise, then sending euros to their Irish bank; uses Revolut mainly like Venmo.

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Opened a Wise account before moving to Spain, chose the digital card first, then ordered a cheap physical card that was mailed right away, and feels comfortable relying on it.

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Lived in Europe using Wise for its IBAN and never had to set up a local bank, keeping money in the US and using credit cards for everything but rent.

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Wise deactivated their account without explanation and, despite supplying ID, selfies, fund explanations and bank details on appeal, refused to reactivate it.

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Had run into certain limitations with Wise and found its international transfer fees higher, which is why they tried Revolut again.

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Says Wise is better than Revolut in terms of rates and usability, though it is not flashy or famous, and that neobank accounts should not be used as a primary bank.

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Has Social Security direct deposits going to Wise on the scheduled day, calls it great and flawless, and used it to send a large amount directly to a dealership for a car with zero complaints.

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Has used Wise consistently for four to five years for international transfers.

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Keeps both Wise and Revolut, and finds Wise works great for sending money to family in Canada, since Revolut does not let Canadians use its app.

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Has used Wise for six years to send money between the UK and Spain and is generally happy, though transfers occasionally go missing for a few days, which is unnerving.

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Prefers Wise to Revolut for transfers because Revolut can deduct undisclosed intermediary-bank fees along the way and charges more on weekends, while Wise is more transparent and uses local accounts to avoid those fees.

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Sends money internationally to family monthly through Wise for decades, finding it cheaper and less likely to trigger fraud flags when the transfer is initiated from the bank side.

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Used Wise to send money between their own accounts abroad and was banned after a couple of transfers, with an appeal that went nowhere and a permanent ban that still puzzles them.

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Has used Wise for business for around ten years, receiving money from around the world and paying people globally, and calls it flawless.

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Has used Wise many times for international transfers and finds its fees quite low.

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Used Wise on a trip abroad to send money to their spouse local bank account in her home country, and it worked just fine.

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Uses Wise all the time for a small business and finds it faster and cheaper than their bank.

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Has used Wise for six years for international bank transfers with no issue and says they trust it more than their own bank.

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Found that Wise charges a percentage fee even to convert between its own balances and, after a small test, felt it got expensive quickly for large transfers.

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Says their recent Wise transfers from a US account to a Dutch euro account cost less than half a percent in fees.

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Their US credit union asked many questions about a large outgoing amount, but the transfer through Wise itself worked well.

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Lives abroad and has had no issues receiving Social Security payments into Wise for three years running.

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Uses Wise in Thailand mainly to pay monthly rent and finds transfers sometimes arrive fast and sometimes take days even for the same amount to the same account, so they pay early.

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Dealing with a false 70 dollar chargeback in which Wise claims a transfer they never made, though the money from their bank cleared correctly.

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Has moved large amounts through Wise without a problem and says its rates cannot be beaten, though they split transfers into smaller ones.

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Moved a large sum through Wise in three tranches to buy an apartment with no delays, and after comparing brokers and other services found Wise the cheapest, easiest and most convenient.

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Says Wise is that much cheaper than a bank; they now have Wise pull dollars by ACH, convert to euros and send by SEPA to an IBAN, with fees about 15 cents per 10 dollars sent.

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Moved a large sum domestically through Wise into a brokerage and savings account in a few minutes, and found the international quote far cheaper than a traditional bank would have been.

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Moved a large sum from a US bank into Wise to buy an apartment in Europe; the fee and exchange rate were fair, the transfer took a few days after a source-of-funds form, and conversion was very quick.

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Says Wise is much cheaper than a bank wire and, in their experience, fast and reliable.

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Finds Wise cheaper for transfers, but their US and Canadian banks kept flagging transfers into Wise as potential fraud, so after hours on the phone they gave up on Wise.

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Uses Wise a lot, as do their in-laws, finding fees low and the exchange rate normal; once the accounts are connected they can move money from the US to the Netherlands instantly.

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Does regular transfers between the US, UK and EU with Wise and remembers only one small fee of 2 or 3 dollars; transfers from their US bank to Wise are free push transactions.

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Says a Wise transfer from the UK to the US took 6 hours and avoided the 10 dollar incoming wire fee they had paid with other services.

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Moved funds from a US bank into Wise after Revolut failed to give a gym-accepted IBAN, then used the Wise details to sign up at a Paris gym without trouble.

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Moved their Social Security direct deposit to Wise with no issues, though it arrives on the due date rather than early, and uses Remitly to send it on because it is cheaper than Wise.

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Used both for transfers and found Wise infinitely better and more reliable than Revolut, whose transfer got lost for over a week.

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Used a Wise US account overseas for years without problems, but now faces problems even for the simplest transactions in the US and says Wise has turned bad.

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Likes Wise for monthly expenses but had delays of up to four days on larger amounts, so did the house purchase by direct wire instead.

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A Wise user for years who says they jacked up their fees this year.

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Received a large transfer into their Wise account from someone else's name with no questions asked, and has used Wise for four years for both personal and business.