Cookies and Similar Technologies Policy
Last Updated: 18 February 2021
Version Number: 2.2
Wise uses small files (known as cookies) to see how you use our site and products. We put them on your computer when you visit our site, and use them to recognise you and store information in between visits.
With cookies we can give you a better browsing experience, improve the quality of our products, and keep our marketing costs down. They let us make it easier to log in, and they show us where you might be having trouble with our products. Without them, we’d have no way to remember anything about you, such as whether you’re logged in.
- Strictly necessary cookies. We need these cookies to run our website — they let us save your cookie preferences, and keep the site secure. They’re always on.
- Cookies that give you a better browsing experience. These let us tailor the site to your needs, like displaying it in the same language as your web browser. We’ll sometimes refer to them as functionality cookies.
- Cookies that help us improve our products. These let us use tools that show us how you interact with our products — Mixpanel, for example. They help us find and fix problems for our customers, and they’re also known as analytical or performance cookies.
- Cookies that keep our marketing costs down. These improve our marketing — helping us to spend less on sites like Google and Facebook, and more on charging as little as we can. When our costs go down, so do our prices. We share this information in aggregate form with third parties, for the purpose of advertising.
You can see each cookie we use and our reasons for using them below.
|Technology||Purpose||Session or Persistent||Lifespan||Third Parties||Privacy information|
|STRICTLY NECESSARY COOKIES|
|Cloudflare||We use the __cfduid cookie to identify individual clients behind a shared IP address and apply security settings. This helps us to stop malicious traffic and spam across our site.|
We also use the __cfruid cookie for our rate-limiting policies.
Cloudflare provides web optimisation and security services that we use to improve and protect our websites, including a reverse proxy, pass-through security service, and a content distribution network.
|gid||This cookie helps us identify users for our own internal purposes. By recognising unique browsers, we can more accurately measure the total number of users visiting our site from different locations on the web.||Persistent||1 year||No third parties involved|
|gid_tmp||This cookie helps us identify users for our own internal purposes. By recognising unique browsers, we can more accurately measure the total number of users visiting our site from different locations on the web.||Persistent||1 year||No third parties involved|
|JSESSIONID||The jsessionid cookie helps us to monitor the reliability of our service and manage login sessions by preserving user states across page requests.||Session||New relic||https://newrelic.com/termsandconditions/privacy|
|Oauth||The userToken, oauthToken cookies let us to authenticate each subsequent login request to our site by a customer.||Session||24 hours||No third parties involved|
|rc::c||We use the rc::c cookie to help us distinguish between humans and bots.||Session|
|twCookieConsent||This is essential for letting us remember your choice of cookie consent.||Persistent||6 months||No third parties involved|
|twCookieConsentGTM||This is essential for letting us remember your choice of cookie consent.||Persistent||6 months||No third parties involved|
|selectedProfileID||We use the selectedProfileId/= cookie to store the selected profile on your device. |
Both frontend and backend services use the information stored in this cookie to determine which account is being used (if you have multiple accounts).
|Persistent||1 year||No third parties involves|
|_mp_opt_in_out#||The _mp_out_in_out# localStorage item is essential for remembering your choice of cookie consent, specifically for Mixpanel.||Persistent||N/A||Mixpanel|
|localeData||We use the localeData cookie to store your language preference and provide you with customised regional content. This helps us to show content translated into your preferred language, a key part of making our service accessible to an international audience.||Persistent||1 year|
|countryOfResidence||We use the countryOfResidence cookie to ensure that you’re only shown products which are available in your country.||Session||N/A||No third parties involved|
|tw-ref||We use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.||Persistent||1 month||No third parties involved|
|tw-ref-invite-source-code||We use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.||Persistent||1 month||No third parties involved|
|tw-ref-user-id||We use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.||Persistent||1 month||No third parties involved|
|tw-ref-user||tWe use tw-ref cookies as part of the referral program to help identify a host / guest. These let us link hosts to guests that sign up, and help us to apply a discount for first-time invited customers.||Persistent||1 month||No third parties involved|
|tw-ref-user-name||Persistent||1 month||No third parties involved|
|tw-coupon||This helps us to apply a discount for eligible customers.||Persistent||1 month||No third parties involved|
|rate-alerts-token||We need the sessionStorage value to keep the user logged in to the Rate Alerts service, and to manage their saved rate alerts.||Session||N/A||No third parties involved|
|deviceTokenTW||This is a required token to keep your account safe.||Persistent||1 year||No third parties involved|
|appToken||We use the appToken cookie to identify which client is using Wise services.||Persistent||24 hours||No third parties involved|
|rememberMe||Retains the user’s previous decision for the ‘Remember this device for 30 days’ checkbox each time they login. |
Remembering the device means we record that the customer has successfully logged in with second factor authentication (such as SMS or Push) on that device previously, and we will only require first factor authentication (e.g. password) in order to login again on that same device in the next 30 days.
This rememberMe cookie only records true/false whether or not the checkbox was ticked, and so whether or not it should be ticked next time. If rememberMe was selected, the fxuser cookie stores a unique value on that device used to approve skipping 2fa for that user.
|Persistent||1 year||No third parties involved|
|tell-me-more-banner||The purpose of this cookie is to let us remember your choice to not see banners on our website.||Persistent||90 days||No third parties involved|
|beta-banner||The purpose of this cookie is to let us remember your choice to not see banners on our website.||Persistent||90 days||No third parties involved|
|interstitialDismissed||The purpose of this cookie is to help us decide if we should show you an interstitial modal on our home page.||Persistent||90 days||No third parties involved|
|COOKIES THAT GIVE YOU A BETTER BROWSING EXPERIENCE|
|usr||This cookie stores a value that identifies you after logging in. It lets us deliver relevant content to you on our homepage.||Persistent||1 year||No third parties involved|
|hasClickedOnSignUpOrLogin||This lets us customise your experience so that it’s easier for you to log in, such as replacing the register button with a login button.||Persistent||90 days||No third parties involved|
|Test.cookie||We use the test.cookie to check if the user's browser supports cookies.||Persistent||1 day||Doubleclick.net||https://policies.google.com/technologies/ads?hl=en-US|
|rate-alerts-route||This localStorage value saves your most recent choice of currency to currency route on the rate alerts page.||Persistent||N/A||No third parties involved|
|profileType||This cookie is used to save the user profile type at Register page as a cookie to reuse it at on-boarding flows.||Session||1 Session||No third parties involved|
|COOKIES THAT HELP US IMPROVE OUR PRODUCTS|
|analytics||This cookie lets us see how you interact with our products in the backend. It contains information on your profile and whether or not you’ve registered in the past.||Session||1 session||No third parties involved|
|HotJar||We use the _hjid cookie to see your behaviour for our own statistical and monitoring purposes. |
This cookie lets us identify which users have been randomly selected to take part in a sample to monitor those users’ behaviour on our site.
Hotjar also provides us with a heatmap of the site which allows us to monitor, for example, how far you’ve scrolled down a page and where you may have hovered.
With session and screen recording, we’re able to get more context for complicated problems — by observing users going through our flows in an uninterrupted manner, in their real life setting. This helps us identify subconscious thought patterns users have, which helps us pin-point where customers might struggle in our product.
We set the _hjClosedSurveyInvites cookie once a visitor interacts with a survey invitation modal popup. We use it to ensure that the same invite does not reappear if it has already been shown.
We set the _hjDonePolls cookie once a visitor completes a poll using the Feedback Poll widget. We use it to ensure that the same poll does not reappear if it has already been filled in.
We set the _hjMinimizedPolls cookie once a visitor minimises a Feedback Poll widget. We use it to ensure that the widget stays minimised when the visitor navigates through our site.
We set the _hjDoneTestersWidgets cookie once a visitor submits their information in the Recruit User Testers widget. We use it to ensure that the same form does not reappear if it has already been filled in.
We set the _hjIncludedInSample cookie to let Hotjar know whether that visitor is included in the sample, which lets us generate funnels.
We set the _hjShownFeedbackMessage cookie when a visitor minimizes or completes Incoming Feedback. We do this so that the form will be minimised immediately if they navigate to another page where it is set to show.
The _hjRecordingLastActivity cookie should be found in sessionStorage (as opposed to cookies). This gets updated when a visitor recording starts and when data is sent through the WebSocket (the visitor performs an action that Hotjar records).
We use the hjTLDTest cookie when the Hotjar script executes and we try to determine the most generic cookie path we should use, instead of the page hostname. We do this so that cookies can be shared across subdomains (where applicable). To determine this, we try to store the _hjTLDTest cookie for different URL substring alternatives until it fails. After this check, the cookie is removed.
We use the _hjUserAttributesHash cookie as user attributes are sent through the Hotjar Identify API are cached for the duration of the session in order to know when an attribute has changed and needs to be updated.
The _hjCachedUserAttributes cookie stores User Attributes which are sent through the Hotjar Identify API, whenever the user is not in the sample. These attributes will only be saved if the user interacts with a Hotjar Feedback tool.
|iz_sd_ss and iz_uh_ps|
|Mixpanel||The mp_#_mixpanel cookie is an analytical cookie that helps us understand how you move through the website. This data is shared with Mixpanel in order to help us improve our site. With it we can measure visits to parts of our site, track the success of flows within our site, understand where the failures or dropoffs are, and measure the success of changes to the site. As well as referral source information, it contains a randomly assigned number in order to associate events belonging to the same session, and if logged in, the Wise customer number. It also allows us to determine the customer numbers of a group of users that may have been affected by a fault of our site. Access to separate internal tools would be needed to query customer information from that customer number.||Persistent||1 year||Mixpanel||https://mixpanel.com/legal/privacy-policy/|
|userSecurityData||The purpose of the userSecurityData cookie is to keep track of how many times we have shown a user the option to enable security features after they log in.||Persistent||N/A||No third parties involved|
|COOKIES THAT KEEP OUR MARKETING COSTS DOWN|
|The fr, _fbp, _tr, AA003 and ATN cookies are used by Facebook to obtain encrypted data about visitors and users of our website for the purposes of measuring advertising effectiveness, showing relevant advertising to certain groups of users and excluding other groups of users from seeing irrelevant advertising. |
For example, if a user registers on wise.com, the cookie will share with Facebook encrypted emails used to register with Wise in the form of a hash. If you have an account with Facebook, Facebook will be able to identify you as the same user on Facebook that has registered for Wise. If you don’t have an account, this hash renders useless, and as such ‘new’ information previously unknown to Facebook is not shared with Facebook.
In this example, we can measure the effectiveness of our Facebook advertising. It helps us understand how many users have registered with Wise via Facebook. This is important as it means we can make informed investment decisions about our advertising. This may help us contribute to our overall mission of reducing prices for customers over time.
This can also help us prevent advertising irrelevant content to users, e.g. advertisements encouraging users to sign up to Wise when they have already done so.
|g_airpr_recent_visist||We use the g_airpr_recent_visit cookie to store data about visitors in order to match the unique identifier with visits to digital media outlets so we can understand the effectiveness of our communications.||Persistent||1 day||Onclusive||https://onclusive.com/legal/gdpr-dataprocessingaddendum/|
|MUID and MUIDB||The MUID and MUIDB (bat.bing.com) cookies let us track users by synchronising the Microsoft User Identifier (MUID) across many domains and counting the number of valid clicks. This helps us better understand user behaviour and has the potential to increase efficiency in our marketing spend.||Persistent||1 year||Microsoft||https://about.ads.microsoft.com/en-gb/resources/policies/microsoft-advertising-click-measurement-description-of-methodology|
|We use the personalization_id cookie to store data about visitors and users and measure advertising effectiveness, show relevant advertising and exclude irrelevant advertising. |
The i/adsct cookie is used by Twitter to determine the number of visitors accessing the website through Twitter advertising content.
|Snap||The sc_at cookie anonymously identifies device browsers. The benefit of the cookie is to understand the effectiveness of partnering with Snap.||Persistent||13 months||Snap||https://www.snap.com/en-GB/cookie-policy|
|Snap||The _sctr cookie lets us improve application functionality. The benefit of the cookie is to understand the effectiveness of partnering with Snap.||Persistent||7 days||Snap||https://www.snap.com/en-GB/cookie-policy|
|Snap||The _scid cookie lets us anonymously identify device browsers. The benefit of the cookie is to understand the effectiveness of partnering with Snap.||Persistent||13 months||Snap||https://www.snap.com/en-GB/cookie-policy|
|rdt_uuid||The purpose of the cookie is to identify users who’ve seen the ads of Wise on Reddit so that we can run our ads more efficiently||Persistent||90 days||No third parties involved|
|Quora Ads||The Quora cookie helps us to identify users who’ve seen Wise ads on Quora. This helps us to run our ads more efficiently.||Persistent, Session||90 days||Facebook, Twitter, LinkedIn, Google Analytics, Ad Services and Other Service Providers||https://www.quora.com/about/pixel_privacy|
|Podsights||The purpose of this cookie is to help us to link podcast listeners who were exposed to our audio ads with on-site conversions||Persistent||365 days||No third parties involved||https://podsights.com/privacy/|
|9 months||No third parties involved|
|Facebook Integrations||We use the Facebook button on our website in order to link users to our Facebook profile. We may use Facebook's advertising services. In providing these services Facebook may collect certain information about our website visitors.||https://developers.facebook.com/docs/facebook-pixel/implementation/gdpr/|
|Google AdWords||We may use Google's advertising services which may include re-marketing, re-engagement or similar audience features in Google Ads that would allow us to reach people who previously visited our website, and match the right people with the right message. Google may display ads about our website or our services when you are browsing other websites. In providing these services Google may collect certain information about our website visitors.||https://policies.google.com/privacy|
|Youtube Integrations||We use Youtube to embed videos on our website. In providing this service Google may collect certain information about our website visitors. |
yt-player-* and yt-remote-* are session-based HTML storage keys that we use to manage the behaviour of the integrated YouTube video player.
|THIRD PARTY COOKIES|
|Google Pay||We use Google Pay as a payment method on the website. In providing this service Google may collect certain information about our website visitors.||https://policies.google.com/privacy|
How to block cookies
You can choose to block cookies by activating the settings on your browser that allow you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access parts of the website. Your browser settings also allow you to delete all cookies stored on your device whenever you wish.
How to control cookies
The UK Information Commissioner’s Office has provided the following guidance on controlling cookies:
- A number of websites provide detailed information on cookies, including AboutCookies.org and AllAboutCookies.org.
- The European Interactive Digital Advertising Alliance website Your Online Choices allows you to install opt-out cookies across different advertising networks. Google has developed a browser add-on to allow users to opt-out of Google Analytics across all websites which use it. This is also available in the Chrome web store.
- Some browsers include a feature known as ‘Do Not Track’ or DNT. This allows you to indicate a preference that websites should not track you. However, whilst DNT is available in many browsers, websites are not required to recognise its request, so it may not always work. You can get help on how to use DNT in Microsoft Edge, Microsoft Internet Explorer, Mozilla Firefox, Google Chrome and Opera.
- For more information on how private browsing works as well as its limitations, visit the support pages for your browser: Microsoft Edge, Microsoft Internet Explorer, Mozilla Firefox, Google Chrome, Safari (IOS mobile and desktop) and Opera.
If you are concerned about online tracking then we can recommend you:
- Install a privacy-friendly browser on your device, such as Mozilla Firefox, Firefox Focus or Brave;
- Install anti-tracking and ad-blocking plug-ins on that browser, such as uBlock, Ghostery or PrivacyBadger; and
- Use privacy-friendly web search engines, such as DuckDuckGo or Qwant.
- If you have any questions about the cookies or similar technologies in use on our website, please send an email to firstname.lastname@example.org.