Money transfer
Low, upfront fees and good exchange rates for international transfers; accounts blocked in reviews.
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 20 reviews mentioning poor support Show all
Reddit · r/Revolut · Jun 6, 2026
NegativeSummary of a Reddit comment
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.
Reddit · r/expats · May 7, 2026
NegativeSummary of a Reddit comment
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.
Reddit · r/personalfinance · Oct 19, 2025
NegativeSummary of a Reddit post
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.
Reddit · r/expats · Oct 17, 2025
NegativeSummary of a Reddit comment
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.
Reddit · r/expats · Oct 10, 2025
NegativeSummary of a Reddit comment
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.
Reddit · r/expats · Jul 2, 2025
NegativeSummary of a Reddit comment
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.
Reddit · r/expats · Apr 22, 2025
NegativeSummary of a Reddit comment
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.
Reddit · r/Revolut · Oct 20, 2026
NegativeSummary of a Reddit comment
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.
Reddit · r/expats · Jul 16, 2026
NegativeSummary of a Reddit comment
Wise deactivated their account without explanation and, despite supplying ID, selfies, fund explanations and bank details on appeal, refused to reactivate it.
Reddit · r/personalfinance · Mar 27, 2026
NegativeSummary of a Reddit comment
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.
Reddit · r/expats · Nov 20, 2024
NegativeSummary of a Reddit comment
Says Wise sucks in their experience, with a missing-money situation unresolved after two weeks and no explanation or response from senior management.
Reddit · r/expats · Aug 22, 2024
NegativeSummary of a Reddit comment
Tried to send a large sum with Wise and describes a nightmare, with hours on the phone and all documentation rejected, still without a refund.
Reddit · r/Revolut · Apr 16, 2024
NegativeSummary of a Reddit post
Longtime Wise user whose regular YouTube payment was rejected after Wise's bank change with a demand for identity verification, and the verification screening glitched.
Reddit · r/expats · Feb 15, 2024
NegativeSummary of a Reddit comment
Calls Wise a borderline scam after a transfer arrived short of its advertised no-hidden-fees promise and Wise blamed an intermediary bank rather than refund the difference.
Reddit · r/personalfinance · Dec 4, 2023
NegativeSummary of a Reddit comment
After a failed Wise transfer the money still had not bounced back after 20 working days, with support and the sending bank each pointing at the other, calling it a nightmare.
Reddit · r/personalfinance · Nov 30, 2023
NegativeSummary of a Reddit comment
Used Wise for fast local-account transfers but found the service glitchy and support terrible, comparing it to a budget airline, and will not use it for anything important.
Reddit · r/expats · Aug 14, 2023
NegativeSummary of a Reddit comment
Used Transferwise, now Wise, and would not recommend it: when their bank erroneously sent a paper check that Wise cashed, it took months to sort out and Wise was awful about it.
Reddit · r/expats · Nov 16, 2023
NegativeSummary of a Reddit comment
Describes a horror story with Wise over a payment sent to closed account details, with weeks passing and only a repeated contact-us-in-10-business-days answer despite a recall attempt through their bank.
Reddit · r/expats · Oct 12, 2023
NegativeSummary of a Reddit post
Long-time Wise advocate whose years of loyalty were undone by a broken re-verification process, with days of back-and-forth with customer service that felt like gaslighting.
Reddit · r/expats · Nov 22, 2022
NegativeSummary of a Reddit comment
Says Wise closed their account with no warning and no valid reason.
Most customers use it for international transfers and like the low, upfront fees, good exchange rates and reliability, including for large sums. The main complaints are accounts blocked or transfers held, cancelled or delayed during reviews, with support hard to reach. A few found bank wires cheaper for very large amounts.
Of the 198 reviews with a clear verdict, 75% are positive, 11% mixed and 14% negative. The praise mentioned most is helpful support. The most common complaint is poor support.
The praise reviewers mention most: helpful support (4 reviews). For example: After accidentally sending a small payment twice, Wise credited a generous amount toward fees that lasted a year.
The complaints reviewers mention most: poor support (11 reviews). For example: 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.
It's how well reviewed Wise is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Money transfer. Type: International transfers and multi-currency account. Fees: Mid-market exchange rate plus a fee shown upfront. Rates & rewards: Live mid-market exchange rate with no markup; transfer fee quoted upfront.
198 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.