Wise

Wise Reviews

Money transfer

Low, upfront fees and good exchange rates for international transfers; accounts blocked in reviews.

87Signal
75% positive
198reviews

How the signal works ↗Updated 5 NovCompare with Western Union

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What people mention

Often liked

Helpful support4

Common concerns

Poor support11

Topics grouped from customer reviews, with how many mention each; read the originals below.

Real customer experiences (198)

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Reddit · r/Revolut · Jun 6, 2026

Negative

Summary of a Reddit post

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

Negative

Summary of a Reddit post

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

Negative

Summary 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

Negative

Summary of a Reddit post

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

Negative

Summary of a Reddit post

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

Negative

Summary of a Reddit post

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

Negative

Summary of a Reddit post

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

Negative

Summary of a Reddit post

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

Negative

Summary of a Reddit post

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

Negative

Summary of a Reddit post

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 · Jan 16, 2026

Negative

Summary of a Reddit post

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

Reddit · r/expats · Nov 15, 2025

Negative

Summary of a Reddit post

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.

Reddit · r/expats · Sep 1, 2025

Negative

Summary of a Reddit post

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

Reddit · r/expats · Nov 20, 2024

Negative

Summary of a Reddit post

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/Revolut · Aug 31, 2025

Negative

Summary of a Reddit post

Says Wise made an issue when they withdrew a tiny test amount, leading them to deactivate their account.

Reddit · r/expats · Mar 11, 2025

Negative

Summary of a Reddit post

Canadian couple on a long-term French work visa found their Wise account (Belgium-based) was not accepted for pay either, and they were forced to open a French bank account.

Reddit · r/expats · Aug 22, 2024

Negative

Summary of a Reddit post

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

Negative

Summary 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

Negative

Summary of a Reddit post

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

Negative

Summary of a Reddit post

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

Negative

Summary of a Reddit post

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

Negative

Summary of a Reddit post

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/Revolut · Jan 25, 2024

Negative

Summary of a Reddit post

Has a UK Wise account but finds it has fees for almost everything, which is why they prefer Revolut.

Reddit · r/expats · Nov 16, 2023

Negative

Summary of a Reddit post

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

Negative

Summary 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/Revolut · May 21, 2023

Negative

Summary of a Reddit post

Found Wise quoting a high charge to convert savings to euros, far more than an Australian HSBC Visa card transfer, and does not understand the praise.

Reddit · r/expats · Nov 22, 2022

Negative

Summary of a Reddit post

Says Wise closed their account with no warning and no valid reason.

Common questions about Wise

What do customers say about Wise?

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.

Is Wise worth it?

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.

What do people like about Wise?

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.

What are the most common complaints about Wise?

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.

What does the signal score of 87 mean?

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.

What are the specs of Wise?

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.

Where do these Wise reviews come from?

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.