1. What is the Consumer Data Right?

The Consumer Data Right (CDR) is a law which allows you to safely share specific data (CDR data) related to you or your business with organisations accredited by the Australian Competition and Consumer Commission (ACCC).

2. About this policy

At Wise, we care about your data and aim to ensure appropriate access and control. This CDR Policy is designed to help you understand how we handle your CDR data. It also explains how you can make a complaint about how we handle your CDR Data.

This CDR Policy is issued by Wise Australia Pty Ltd (“Wise”, “we”, “us”) ACN 616 463 855. Wise holds an AFSL (number 513764) which allows us to offer non-cash payment products and foreign currency (FX) contracts (referred to as Wise products).

It's important to note that in addition to this CDR Policy, there may be other notices that apply to you based on whether you interact with us as an individual consumer or a business customer.

For instance, we encourage you to also read our Privacy Policy. Our Privacy Policy provides more information about how Wise manages your personal information. By reviewing both policies, you will gain a deeper insight into our approach to protecting your data and maintaining your privacy.

3. CDR Data

As a designated data holder under the CDR legislation, the information Wise holds relates to foreign currency account (referred to as Wise Account in the Customer Agreement) you hold with us. Product and consumer data for Foreign Currency Accounts are classified as voluntary CDR data from 4 March 2025.

Wise does not accept or process new requests to disclose voluntary CDR data. For customers who authorised data sharing with an Accredited Data Recipient (ADR) prior to 18 September 2026, Wise will continue to facilitate those existing disclosures until 31 October 2026, or until the authorisation expires or is withdrawn by the customer, whichever occurs first.

4. Complaints

If you have any concerns about how we handle your CDR data or you would like to file a complaint, please contact us at:

• ● Online: https://wise.com/help/contact
• ● Phone: +61 8 7948 5948
• ● Post: Wise Australia Pty Ltd ℅- TMF Corporate Services (Aust) Pty Ltd, Suite 1, Level 11, 66 Goulburn St, Sydney NSW 2000 Australia

Please share with us:

• ● Your customer details (such as your name and customer profile ID)
• ● Your contact details
• ● Information relating to your complaint or concern, including details on how we have handled your CDR data, and what you’d like us to do

Wise will endeavour to acknowledge receipt of your CDR complaint within 24 hours of receiving it or as soon as practical, and provide you with a response within 30 calendar days.

If you are unhappy with our response or how we have handled your complaint, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). They can be contacted at:

• ● Online: www.afca.org.au
• ● Email: info@afca.org.au
• ● Phone: 1800 931 678
• ● Post: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

If your complaint is about your privacy or how we handle your CDR data, you can contact the Office of the Australian Information Commissioner. They can be contacted at:

• ● Online: www.oaic.gov.au
• ● Email: enquiries@oaic.gov.au
• ● Phone: 1300 363 992
• ● Post: GPO Box 5218, Sydney NSW 2001