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+Interest)

    • When you use our Group Spending feature:
  • Group Spending Terms and Conditions (Personal)
  • Group Spending Terms and Conditions (Business)

    • When you use our Young Explorer Service:
  • Young Explorer 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

    • When you use our Forward Conversions Services:
  • Forward Conversions Terms and Conditions

    • When a business participates in our Business Card Cashback program:
  • Wise Business Card Cashback Terms and Conditions
    • the European Economic AreaPlease click (here) to view the agreements applicable to this region.
    the US states and territories listed here
  • Customer Agreement (Personal)
  • Customer Agreement (Business)
  • Acceptable Use Policy
  • Consumer Privacy Notice
  • Electronic Communications Policy
  • Wise Basic Interest Feature Program Agreement
  • Short Form Disclosure
  • Long Form Disclosure

    • Cardholder Agreements:
  • US Cardholder Agreement - CFSB (Mastercard)
  • US Personal Cardholder Agreement - CFSB (Visa)
  • CFSB Privacy Policy
  • US Personal Cardholder Agreement - Lead
  • US Business Cardholder Agreement - Lead
  • Lead Privacy Policy
  • Mastercard Guide to Benefits

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

    • When you use our Group Spending feature:
  • Group Spending Terms and Conditions (Personal)
  • Group Spending Terms and Conditions (Business)

    • When you use our Assets feature:
  • Assets Customer Agreement (Stocks+Interest)
    • 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 our Group Spending feature:
  • Group Spending Terms and Conditions (Personal)
  • Group Spending Terms and Conditions (Business)

    • When you use our Young Explorer service:
  • Young Explorer Terms and Conditions

    • When you use Interest:
  • Assets Customer Agreement
  • Assets Customer Agreement & Key Documents

    • When you use our card Payments Processing Services:
  • Customer Terms for Acquiring Payments Services
    • 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
  • Termos de Uso de Conta Empresarial
  • Adendo do Cartão Wise
  • Política de Uso Aceitável
  • Termos e Condições do Recurso de Saldo Compartilhado
  • Wise Pix Payment via QR Code Supplement , (Portuguese Version) (applicable to non-residents)

    • When you use our Assets feature (Rende+):
  • Termos de Uso Rende+ para Residentes do Brasil

    • When you use our Young Explorer feature:
  • Termos e Condições do Cartão Mesada

    • When you send, hold, spend, or receive money with Wise in currencies other than Brazilian Real:
  • Termos de Uso Wise Account - Pessoal
  • Termos de Uso Wise Account - Empresarial
  • Termos e Condições do Recurso de Saldo Compartilhado

    • Canada
  • Customer Agreement, (French Version)
  • Wise Card Supplement , (French Version)
  • Acceptable Use Policy, (French version)
  • Wise Basic Interest Feature Program Agreement, (French Version)

    • When you use our Group Spending feature:
  • Group Spending Terms and Conditions (Business), (French Version)
  • Group Spending Terms and Conditions (Personal), (French Version)

    • When you use our card Payments Processing Services:
  • Customer Terms for Acquiring Payments Services, (French Version)

    • When you use our Young Explorer feature:
  • Young Explorer Terms of Use, (French Version)
    • ChileWhen you send, hold, spend, or receive money with Wise in currencies other than Pesos Chilenos:
  • Términos y Condiciones
    • ChinaWhen you remit your income within China to your overseas account:
  • Customer Agreement
    • Hong KongWhen you send Hong Kong Dollars:
  • Personal Customer Agreement, 個人客戶協議
  • Business Customer Agreement, 商業客戶協議
  • Acceptable Use Policy, 可接受使用政策

    • When you use our card Payments Processing Services:
  • Customer Terms for Acquiring Payment Services, 收款服務客戶條款
    • IndiaWhen you send Indian Rupees, or use our multi-currency travel card:
  • Customer Agreement
  • Wise Card Supplement

    • When you receive Indian Rupees:
  • Terms of Use for Receiving Indian Rupees
    • Indonesia
  • Customer Agreement (Personal), (Bahasa Indonesia Version)
  • Customer Agreement (Business), (Bahasa Indonesia Version)
    • Israel
  • Customer Agreement, (Hebrew version)
  • Wise Card Supplement, (Hebrew version)
    • 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

    • When you use our Group Spending feature:
  • ビジネスグループ利用規約, Group Spending Terms and Conditions (Business)
    • Malaysia
  • Customer Agreement
  • Wise Card Supplement
  • License Information
  • Product Disclosure Sheet (PDS)
  • Customer Charter

    • When you use our Group Spending feature:
  • Group Spending Terms and Conditions
    • MexicoWhen you send Mexican pesos with Wise Mexico:
  • Acuerdo de Cliente Wise
    • New ZealandWhen you send, hold, spend, or receive money with Wise:
  • Personal Customer Agreement
  • Business Customer Agreement
  • Wise Card Supplement
  • Acceptable Use Policy
  • Cookie Policy

    • When you use our Group Spending feature:
  • Group Spending Terms and Conditions (Personal)
  • Group Spending Terms and Conditions (Business)

    • When you use Assets:
  • Assets Customer Agreement

    • When you use our Young Explorer service:
  • Young Explorer Terms and Conditions

    • When you use our card Payments Processing Services:
  • Customer Terms for Acquiring Payments Services
    • the Philippines
  • Customer Agreement (Personal)
  • Customer Agreement (Business)
  • Wise Card Supplement
    • SingaporeWhen you send, hold, spend, or receive money with Wise:
  • Customer Agreement (Personal)
  • Customer Agreement (Business)
  • Wise Card Supplement
  • PayNow QR Supplement
  • Acceptable Use Policy
  • Cookie Policy

    • When you use our Assets feature:
  • Assets Customer Agreement

    • When you use our Group Spending feature:
  • Group Spending Terms and Conditions (Personal)
  • Group Spending Terms and Conditions (Business)

    • When you use our Young Explorer service:
  • Young Explorer Terms and Conditions

    • When you use our card Payments Processing Services:
  • Customer Terms for Acquiring Payments Services
    • Thailand
  • Customer Agreement (Personal), (Thai version)
  • Customer Agreement (Business), (Thai version)
  • Wise Card Supplement, (Thai version)
  • Acceptable Use Policy, (Thai version)

    • Please note that if you are an individual who registered for your Wise profile before 21 January 2026 or if you are a Business who registered for your Wise profile before 30 September 2026, the following terms will apply instead:
  • Customer Agreement (Personal)
  • Customer Agreement (Business)
  • Wise Card Supplement
  • Acceptable Use Policy
  • Cookie Policy
    • 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 Wise Assistant
  • Wise Assistant Terms of Use (English Speaking)
    • 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 use the Airport Lounge Pass feature
  • Airport Lounge Pass Terms (English) , (French), (German) , (日本語), (Português)
    • Global
  • If you use the Click to Pay feature
  • Click to Pay Terms (English) , (French), (German)
    • Global
  • If you use the eSIM feature
  • eSIM Terms and Conditions (English) , (French), (German) , (Português), (Japanese)
    •

    3. Privacy Notices

    LocationDocument name:The following notices will apply to you:
    Global
  • Personal Customers
  • Privacy Notice
    • Global
  • Business Customers
  • Privacy Notice
    • Global
  • Young Explorer
  • Young Explorer Privacy Notice
    • Global
  • If you consent to the processing of your biometric data
  • Biometric Data Processing Notice