Our agreements with you

1. Your Location

If you live in	The following agreements will apply to you
the United Kingdom or a jurisdiction other than the ones listed below	When 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 Account Information Services Account Information Service Supplement When you use our card payments processing services: Card Payments Processing Agreement (Business)
the European Economic Area	Customer Agreement, (German version, Greek version) Wise Card Supplement, (German version, Greek version) Acceptable Use Policy, (German version) Cookie Policy, (German version) When you use our Assets feature Assets Customer Agreement & Key Documents Assets Customer Agreement (Stocks+Interest) When you use our card payments processing services: Card Payments Processing Agreement (Business)
the US states and territories listed here	Customer Agreement Acceptable Use Policy Consumer Privacy Notice Electronic Communications Policy US Cardholder Agreement - Mastercard US Cardholder Agreement - Visa US Cardholder Agreement - Visa (for cards issued after 10/23) US Cardholder Agreement - Visa - Business customers (for cards issued after 10/23) Short Form Disclosure Long Form Disclosure CFSB Privacy Policy Mastercard Guide to Benefits Wise Balance+ Program Agreement (Interest Feature)
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
Brazil	When you send, hold, spend, or receive Brazilian Real with Wise Brasil Termos de Uso dos Serviços Termos de Uso da Conta Wise Adendo do Cartão Wise Política de Uso Aceitável 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)
Canada	Customer Agreement, (French Version) Wise Card Supplement
China	When you remit your income within China overseas Customer Agreement
Hong Kong	Customer Agreement, 客戶協議 Acceptable Use Policy, (Chinese Version)
India	Customer Agreement Terms of Use for Receiving Indian Rupees
Indonesia	Customer Agreement, (Bahasa Indonesia Version)
Israel	Customer Agreement
Japan (日本)	利用規約 , Terms of Use マルチカレンシー口座利用規約, Multi-Currency Account Terms of Use 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
New Zealand	Customer Agreement Wise Card Supplement Acceptable Use Policy Cookie Policy
the Philippines	Terms and Conditions , (Filipino Version) Wise Card Supplement, (Filipino Version)
Singapore	When you send, hold, spend, or receive money with Wise Customer Agreement Wise Card Supplement Acceptable Use Policy Cookie Policy When you use our Assets feature Assets Customer Agreement
Turkey	Customer Agreement, (Turkish version)

2. Additional activities

Location	If you perform the following activities:	The following agreements will apply to you:
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)
Global	If you consent to the processing of your biometric data for identity verification purpose	Facial Scan Privacy Notice

3. Privacy policy

For more information please find our Privacy Policy here