Australia
Wise Australia Pty Ltd is regulated by the Australian Securities and Investments Commission (ASIC) and holds an Australian Financial Services Licence (AFSL) and Australian Prudential Regulation Authority (APRA) authorised as an Authorised Deposit-taking Institution (ADI) limited to a provider of purchased payment facilities (“PPF licence”). Its AFSL licence number is 513764. It is also a reporting entity with the Australian Transaction Reports and Analysis Centre (AUSTRAC).
Wise Australia Investments Pty Ltd is regulated by the Australian Securities and Investments Commission (ASIC) and holds an Australian Financial Services Licence (AFSL). Its AFSL number is 545411. Wise Australia Investments Pty Ltd is also a reporting entity with the Australian Transaction Reports and Analysis Centre (AUSTRAC).
Belgium
Wise Europe SA, is a Payment Institution authorised by the National Bank of Belgium, incorporated in Belgium with registered number 0713629988 and registered office at Rue du Trône 100 bte 3, 1050 Ixelles, Brussels, Belgium with passporting rights across the EEA.
This licence has been passported to the following European Economic Area (‘EEA’) member states, allowing Wise Europe SA to offer its services in Austria, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.
Brazil
Wise Brasil Corretora de Câmbio Ltda. ("Wise Corretora") is a foreign exchange brokerage firm authorized to operate by the Central Bank of Brazil and registered under CNPJ No. 36.588.217/0001-01.
Wise Brasil Instituição de Pagamento Ltda. ("Wise Pagamentos") is a payment institution and electronic money issuer also authorized to operate by the Central Bank of Brazil and registered under CNPJ No. 40.571.694/0001-31.
Both companies are headquartered at Rua Girassol, 555, 1st floor, Vila Madalena, CEP 05.433-001, São Paulo/SP. Wise Pagamentos is part of the prudential conglomerate led by Wise Corretora.
Canada
Wise Payments Canada Inc. is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Service Business (MSB) with registration number M15193392. Wise is also a registered payment service provider with the Bank of Canada. Additionally, it is licensed as an MSB in Quebec with Revenu Québec under licence number 902804.
Chile
Wise Chile SpA is registered with the Financial Analysis Unit (Unidad de Análisis Financiero – UAF) as a Money Transfer Company (Empresa de Transferencia de Dinero), under Article 3 of Law No. 19,913.
Estonia
Wise Assets Europe AS is authorised and regulated as an investment firm by the Estonian Financial Supervision and Resolution Authority (EFSA) under activity licence number 4.1-1/174, incorporated in Estonia with registered number 16267372 and registered office at Kopli tn 68a, 10412 Tallinn, Estonia with passporting rights across the EEA.
This licence has been passported to the following European Economic Area (‘EEA’) member states, allowing Wise Assets Europe AS to offer its services in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.
Hong Kong
Wise Payments Hong Kong Limited is regulated by the Customs and Excise Department (C&ED) of Hong Kong and is licensed as a Money Service Operator (MSO) with licence number 25-03-03263.
India
Wise Payments India Private Limited is licensed by the Reserve Bank of India (RBI) as a Payment Aggregator (Cross-Border Inwards) for providing business customers in India to receive international payments.
Vaho Forex Private Limited is licensed by the RBI as an Authorised Dealer Category II (AD-II), for providing outward remittance services for permitted transactions and forex card services to customers in India.
In addition, Wise UK works with local bank partners in India to offer inward remittance service to India with the approval of the RBI.
Indonesia
PT Wise Payments Indonesia is licensed by Bank Indonesia (BI) as a Fund Transfer Operator under licence number 21/304/DKI/B/14-001 on June 24, 2021. On December 29, 2021, Wise Indonesia was reclassified as a Category 3 Payment Service Provider (Remittance Services) under official letter number 23/1407/Jkt/Srt/B.
Israel
Wise ILS Ltd. (company number 515856110) is authorized by the Israel Securities Authority (ISA). We hold a Payment Services License under the Regulation of Payment Services and Payment Initiation Law, 5783-2023, which replaces our previous Financial Asset Service Provider license.
Japan
Wise Payments Japan K.K. is regulated by the Kanto Local Financial Bureau (registration number 00040) and licensed as a Funds Transfer Service Provider.
The services relating to the balance in Wise Account (the Card and Money Transfers not exceeding JPY 1,000,000 (or other country equivalent) included) (“Type 2 Money Transfer”) are provided by us under our Type 2 funds transfer service provider license registered by the KLFB under the Payment Services Act (Act No. 59 of June 24, 2009).
The services relating to Money Transfers exceeding JPY 1,000,000 (or other currency equivalent) (“Type 1 Money Transfer”) are provided by us under our Type 1 funds transfer service provider license approved by the Financial Services Agency (“FSA”) and registered by the KLFB under the Payment Services Act.
Please refer to respective FAQs for details - Type 2 Money Transfer and Type 1 Money Transfer.
Malaysia
Wise Payments Malaysia Sdn. Bhd. (registration number 201701025297) is regulated under the laws of Malaysia by the Bank Negara Malaysia as a licensed remittance, money-changing and e-money issuance business.
Mexico
Wise Pagos Mexico, S.A. de C.V is regulated by the Banks, Securities, and Savings Unit (UBVA) and supervised by National Banking and Securities Commission (CNBV) and owns a license as a Money Transmitter, with registry number 22578 authorized on March 11, 2026.
New Zealand
Wise Payments New Zealand Limited is supervised by the Department of Internal Affairs (DIA) for anti-money laundering purposes.
The Philippines
Wise Pilipinas Inc. is licensed by the Bangko Sentral Ng Pilipinas (BSP) as a Remittance and Transfer Company (RTC) with a Type “C” Electronic Money Issuer (EMI) / Money Changing (MC) / Foreign Exchange Dealing (FXD) registration and Operator of Payment System License with institution code 53-0044-00-000.
Singapore
Wise Asia-Pacific Pte. Ltd. is licensed by the Monetary Authority of Singapore (MAS) as 1) a Major Payment Institution under the Payment Services Act 2019 (PSA) and 2) has a Capital Market Services Licence under the Securities and Futures Act 2001 for Dealing in Collective Investment Schemes.
Spain
Wise Europe S.A., Sucursal en España (“Wise España”) is a branch of Wise Europe SA established in Madrid, Spain, with registration number M882792. Wise España is registered with the Banco de España and the Servicio Ejecutivo de la Comisión de Prevención del Blanqueo de Capitales e Infracciones Monetarias (“SEPBLAC”), and is established to provide services to customers declaring residency in Spain under European passporting granted to Wise Europe.
Thailand
Wise Payments (Thailand) Ltd. is licensed by the Bank of Thailand (BoT) to provide Electronic-Fund Transfer, E-Money, Money Transfer Agent, and FX E-Money services.
United Arab Emirates
Wise Fintech Network L.L.C is licensed by the Central Bank of the UAE (CBUAE) to provide Stored Value Facility (ref.: 05.01.01.015.2025.02) and, Retail Payment Services (ref.: 08.01.02.030.2025.02) (Category 2) services, and is authorised to offer remittance via digital channels under the Exchange Business Regulation (Category 4).
United Kingdom
Wise Payments Limited is authorised as an Electronic Money Institution (EMI) by the UK Financial Conduct Authority (FCA) with registration number 900507.
Wise Assets Limited is authorised by the FCA to carry out investment activities with registration number 839689.
United States
Wise US Inc. is registered with the Financial Crimes Enforcement Network (FinCEN) and renews its registration as required. It is licensed as a money transmitter in the states and territories listed here and supervised by the regulatory authorities in each.
In other US states and/or territories, money transmission services are offered by our partner financial institution Community Federal Savings Bank, which is supervised by the Office of the Comptroller of Currency.