I need to report a fraudulent Wise card payment

If you see a Wise card transaction on your account that you suspect may be fraudulent here’s what you can do. 

First double-check if you made the card payment or not. Often, it can be a pending or delayed payment that will be resolved automatically. So if you don’t recognise a transaction, first check if it could be one of these common payment types: 

• Pending payments from petrol/gas stations. Petrol stations often pre-authorise a maximum or estimated amount. The amount you actually spent should be charged in 1–3 days, and the rest will be automatically refunded to your account 

• Payments made offline or in airplane mode. Transactions made during a flight or at a food truck are often delayed, so may appear in your activity when you’re not expecting it.

• Unfamiliar business names. Transactions are sometimes listed under a different trading name to the business you’re familiar with. Google the name to see if you recognise it.

• Unexpected small charges. Businesses might charge your card for a small amount to make sure it works. This is common for hotels and car rentals. These small charges will usually be refunded within a few days. 

• Subscriptions. Free trials can lead to unexpected subscription charges. If this happens, get in touch with the merchant to ask for a refund, or cancel the subscription. Click here to learn more about unexpected subscription charges. 

If you’re sure the payment is fraudulent

1. Freeze your card. This will stop any more payments from going through. To do this, go to the Card tab and select Freeze card.

2. Report the issue to us so we can look into it. Include a receipt, and as much information as you can about what happened. Screenshots are always helpful to have. 

Next, we’ll investigate your case and we’ll email you as soon as we have any updates. In some cases, we may have to block your card completely. If that happens we’ll let you know — you’ll be welcome to order a new card. 

We'll be able to help you more effectively if you report it using the form above, but if you're not able to log in, please contact us right away to report the fraudulent transaction.

If you have concerns about your Wise account or Wise transfers, check I may be the victim of fraud or a scam instead.

If you'd like to file a complaint in the US, you can get the different state contact information on Wise's licensing page.