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Our agreements with you


1. Your Location


If you move abroad/change location, your Wise Service provider might change as well and, as a consequence, you will be subject to the Agreements with the respective other Wise entity, as described here.

If you live inThe following agreements will apply to you
the United Kingdom or a jurisdiction other than the ones listed belowWhen 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 Group Spending feature
  • UK Group Spending Terms and Conditions

  • When you use our Account Information Services
  • Account Information Service Supplement

  • When you use our card Payments Processing Services:
  • Customer Terms for Acquiring Payments Services

  • When you use our Payment Information Services:
  • Open Banking Terms and Conditions
  • the European Economic Area
  • Customer Agreement (Personal), Hungarian version, German version
  • Customer Agreement (Business)
  • Wise Card Supplement, German version
  • Acceptable Use Policy, German version
  • Cookie Policy, German version

  • The translations are for convenience only and the English version shall prevail.

  • Leaflet - your rights in payments in EU

  • When you use our Assets feature
  • Assets Customer Agreement & Key Documents
  • Assets Customer Agreement (Stocks+Interest)

  • When you use our Group Spending feature
  • EU Group Spending Terms and Conditions

  • When you use our card Payments Processing Services:
  • Customer Terms for Acquiring Payments Services
  • the US states and territories listed here
  • Customer Agreement
  • Acceptable Use Policy
  • Consumer Privacy Notice
  • Electronic Communications Policy
  • US Cardholder Agreement - Mastercard
  • US Personal cardholder agreement - Visa
  • 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

  • When you use Yield:
  • Assets Customer Agreement
  • BrazilWhen you send, hold, spend, or receive Brazilian Real with Wise Brasil
  • Termos de Uso dos Serviços
  • Termos de Uso de Perfil Empresarial
  • 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)
  • Termos de Uso Perfil Empresarial - Wise Account - Portuguese version
  • Canada
  • Customer Agreement, (French Version)
  • Wise Card Supplement
  • ChinaWhen you remit your income within China overseas
  • Customer Agreement
  • Hong KongWhen you send Hong Kong Dollars
  • Customer Agreement, 客戶協議
  • Acceptable Use Policy, (Chinese Version)

  • When you receive Hong Kong Dollars
  • Customer Agreement
  • IndiaWhen you send Indian Rupees
  • Customer Agreement - If you set up your Wise profile before 9 May 2023
  • Customer Agreement - If you set up your Wise profile after 9 May 2023

  • When you receive Indian Rupees
  • Customer Agreement
  • Indonesia
  • Customer Agreement, (Bahasa Indonesia Version)
  • Israel
  • Customer Agreement
  • Japan (日本)
  • 利用規約(個人), Terms of Use (Personal)
  • 利用規約(法人), Terms of Use (Business)
  • 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
  • License Information
  • Product Disclosure Sheet (PDS)
  • MexicoWhen you send Mexican pesos with Wise Mexico:
  • Acuerdo de Cliente Wise
  • New Zealand
  • Customer Agreement
  • Wise Card Supplement
  • Acceptable Use Policy
  • Cookie Policy
  • the Philippines
  • Terms and Conditions , (Filipino Version)
  • Wise Card Supplement, (Filipino Version)
  • SingaporeWhen 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
  • Turkey
  • Customer Agreement, (Turkish version)
  • 2. Additional activities

    LocationIf 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