Cookies and Similar Technologies Policy

Last Updated: 13 September 2024

Version Number: 2.9.2

Our Cookie Policy in German: https://wise.com/de/legal/cookie-policy

We ("Wise") use small files (known as, Cookie, Cookies) to see how you use our site and products. We put them on your computer when you visit our site. We use them to know it’s you and store information about your visits. With Cookies we can give you a better browsing experience, make our products better, and keep our marketing costs down. They make it easier to log in, and they show us where you might need help with our products.

Below, we’ve explained how and why we use Cookies, and what each of them do:

• Strictly Necessary or Essential Cookies are there for our website to work. They let us save your cookie choice , and keep the site secure. They’re always on.
• Functional Cookies give you a better browsing experience. These Cookies let us make the site suit your needs, like showing it in the same language as your web browser.
• Analytical or Performance Cookies help us make our products better. These let us use tools that show us how you use our products. They help us find and fix problems for our customers.
• Cookies that keep our marketing costs down. These make our marketing better — 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.

How to block Cookies

You can choose to block all or some Cookies, to do this you should go to your browser settings. However, if you block all Cookies (including essential Cookies) you may not be able to use some of the site. Your browser settings also allow you to delete all Cookies stored on your device any time you wish.

How to control Cookies

The UK Information Commissioner’s Office has provided the following guidance on Cookies:

• You can read information on Cookies on different websites, including AboutCookies.org and AllAboutCookies.org.
• The European Interactive Digital Advertising Alliance website ‘Your Online Choices’: allows you to install an add-on to decline Cookies across different advertising networks. Google has developed a browser add-on to allow users to decline Google Analytics on 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 choose whether a website can track you. However, whilst DNT is available in many browsers, websites do not need to recognise this 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 browsing works, 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 worry about online tracking you can:

• 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 email privacy@wise.com.

The table below contains technical descriptions for each of the Cookies we use and our reasons for using them.

Technology	Purpose	Session or Persistent	Lifespan	Third Parties	Privacy information
STRICTLY NECESSARY OR ESSENTIAL 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.	Persistent	1 year	Cloudflare	https://www.cloudflare.com/privacypolicy/
gid	This cookie helps us uniquely identify visitors so that new features on the site are consistently displayed each time they visit. Without this use, new features will not function correctly. If you consent to the cookie banner, we might share some information with third parties (e.g. gidID).	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
Veriff	We use the #cid cookie to gather all information relating to a browser in order to detect any fraudulent or unlawful activity of a user. This is a strictly necessary cookie in order to keep us compliant with applicable EU laws and regulations. Session We use the cacheID to gather all information relating to a browser in order to detect any fraudulent or unlawful activity of a user. This is a strictly necessary cookie which helps us comply with EU laws andregulations. Persistent		1 year	Veriff	https://www.veriff.com/privacy-policy
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 selected-profile-id-userid 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
signupToken	We use this cookie to allow customers to complete a signup if it's interrupted.	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	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-name	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-coupon	This helps us to apply a discount for eligible customers.	Persistent	1 month	No third parties involved
accountDetailsReferralCode	This cookie allows us to modify the account details onboarding experience for users referred from known affiliates.	Session	N/A	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
rememberedDevice	We use this cookie to record that a user has successfully logged in with SMS or app-based second factor authentication on the device previously, and we will only require first factor authentication (e.g. password) in order to login again on that same device for the next 90 days.	Persistent	90 days	No third parties involved
rememberThisDevice	We use this cookie to retain the user’s previous decision for the ‘Remember this device’ checkbox each time they login.	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
currency-converter-app-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
switch-salary-banner	The purpose of this localStorage item is to remember your choice to not see banners on our website.	Persistent	N/A	No third parties involved
has-agreed-owners-disclaimer	The purpose of this cookie is to help us remember that you have accepted the disclaimer shown on https://wise.com/owners/.	Persistent	40 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
Investis Digital	These cookies are associated with and managed by Amazon Web Services. AWSELB , AWSALB, AWSELBCORS, AWSALBCORS: These cookies enable us to allocate server traffic to ensure the user’s experience is consistent. A so-called load balancer is used to determine which server currently has the best availability. AWSALBTG: This cookie helps us remember what server we allocated a user request to and to route subsequent requests to the same server. AWSALBTGCORS: This cookie contains the same information as the AWSALBTG cookie plus a SameSite attribute.	Persistent	1 day	Amazon Web Services	https://www.investisdigital.com/privacy-policy
ASP.NET_SessionId	ASP Dot Net uses this cookie to record the users current session between page requests.	Session	1 Session	ASP Dot Net, Investis Digital	https://www.investisdigital.com/privacy-policy
mymca-banner	The purpose of this cookie is to let us remember your choice to not see banners on our website.	Session	90 days	No third parties involved
countryPreference	The cookie is used to store the user's country preference.	Persistent	N/A	No third parties involved
dynamic-pricing-screen-shown	The cookie is used to check whether the user has been shown a splash screen when they encounter the dynamic fee (variable FX fee) for the first time.	Persistent	1 year	No third parties involved
__mp_opt_in_out_8ba4a7a5182f05e0a79ded57d5d2f051	The _mp_out_in_out# localStorage item is essential for remembering your choice of cookie consent, specifically for Mixpanel.	Persistent	-	No third parties involved
__mp_opt_in_out_e605c449bdf99389fa3ba674d4f5d919	The _mp_out_in_out# localStorage item is essential for remembering your choice of cookie consent, specifically for Mixpanel.	Persistent	-	No third parties involved
__cf_bm	This cookie is placed by Cloudflare on end-user devices that access customer sites protected by Bot Management or Bot Fight Mode.	Persistent	30 minutes	Cloudflare	https://jetpack.com/support/cookies/
tw-mca-selected-country	This cookie holds the value for the country that the user is viewing differing available products on wise.com via the country selector	Persistent	-	No third parties involved
__tlbcpv	This cookie is used to record unique visitor views of the consent banner.	Persistent	1 year	Termly	Privacy Policy
FUNCTIONAL COOKIES 
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
dismissedNudges	This localStorage is used to dismiss the nudge component on a page.	Persistent	N/A	No third parties involved
mirage_cache_manifest	Used for content distribution network (CDN) services.	Persistent	N/A	Cloudflare	https://www.cloudflare.com/en-gb/privacypolicy/
_grecaptcha	Google reCAPTCHA used for preventing bots.	Persistent	N/A	Google	https://www.google.com/recaptcha/about/
SM	This cookie is used to collect anonymous information on how visitors use a site to help improve their experience and for better target ads.	Session	N/A	ChanelAdvisor, .c.clarity.ms	Privacy policy
MR	This cookie is used to measure the use of the website for internal analytics.	Persistent	7 days	Microsoft, .c.bing.com, .c.clarity.ms, .bat.bing.com	Privacy policy
_ hjAbsoluteSessionInProgress	The cookie is set so Hotjar can track the beginning of the user's journey for a total session count. It does not contain any identifiable information.	Persistent	30 minutes	Hotjar	Privacy policy
pixel	This cookie is used to help site owners track how users interact with product reviews.	Persistent	13 months	Yotpo Reviews	Privacy policy
iz_sd_ss	This html_session_storage is used to store data about a visitor in order to make decisions about when to show a survey, like the number of site visits and survey views. We ask users to complete a survey from time to time in order to help Wise improve its pages and services. For example, we might ask users whether they could find the information they were looking for, or ask users what products and services they are interested in. We use survey responses in order to make content on our site more relevant and helpful to the individual user. We do not study individuals during this process.	Session	-	Informizely	Privacy policy
iz_uh_ps	This html_local_storage is used to store data about a user relating to the number of site visits and survey views, which enables us to make a decision about whether we should undertake a survey about the use of our site.	Persistent	-	Informizely	Privacy policy
has-previously-logged-in	The cookie indicates whether the user has logged in before, therefore needs to be redirected to login page from homepage.	Persistent	-	No third parties involved
ANALYTICAL OR PERFORMANCE COOKIES 
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
Google Analytics	The _gat and gat# cookies are installed by Google Universal Analytics to throttle the request rate to limit the collection of data on high traffic sites.	Session	1 minute	Google	https://support.google.com/analytics/answer/6004245
Google Analytics	The _gid cookie is used to store information on how visitors use a website and helps in creating an analytics report of how the website is doing. The data includes the number of visitors, where they came from, and the pages visited in an anonymous form.	Persistent	1 day	Google	https://support.google.com/analytics/answer/6004245
Google Analytics	The _ga cookie is used to calculate visitor, session, campaign data and keep track of site usage for the site’s analytics report. It stores information anonymously and assigns a randomly-generated number to identify unique visitors.	Persistent	2 years	Google	https://support.google.com/analytics/answer/6004245
Google Analytics	The _dc_gtm_UA# cookie is used to limit the number of requests that we make to Google Analytics.	Session	-	Google	https://support.google.com/analytics/answer/6004245
Google Analytics	The collect cookie is used to see which devices and marketing channels you’re using. We send this information to Google Analytics to learn about your device and behaviour.	Session	-	Google	https://support.google.com/analytics/answer/6004245
Google Analytics	The _ ga _# cookie is used to distinguish individual users by means of designation of a randomly generated number as client identifier, which allows calculation of visits and sessions.	Persistent	1 year	Google	https://support.google.com/analytics/answer/6004245
Google Analytics	The FPID cookie is used in order to enable our client-side _ga cookie to work in a server-side context. It is used to calculate visitor, session, campaign data and keep track of site usage for the site's analytics report. It stores information anonymously and assigns a randomly-generated number to identify unique visitors.	Persistent	2 year	Google	https://support.google.com/analytics/answer/6004245
Google Analytics	The FPAU cookie is used to assign a specific ID to the visitor. This allows the website to determine the number of specific user-visits for analysis and statistics.	Persistent	3 months	Google	https://support.google.com/analytics/answer/6004245
Google Analytics	The FPLC cookie is used to registers a unique ID that is used to generate statistical data on how the visitor uses the website.	Persistent	1 day	Google	https://support.google.com/analytics/answer/6004245
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. We set the _hjIncludedInPageviewSample cookie to determine if a user is included in the data sampling defined by your site's pageview limit. 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.	Persistent	1 year	HotJar	https://www.hotjar.com/legal/policies/privacy
iz_sd_ss and iz_uh_ps	We use the iz_sd_ss cookie to store data about a visitor in order to make decisions about when to show a survey, like the number of site visits and survey views. We ask users to complete a survey from time to time in order to help Wise improve its pages and services. For example, we might ask users whether they could find the information they were looking for, or ask users what products and services they are interested in. We use survey responses in order to make content on our site more relevant and helpful to the individual user. We do not study individuals during this process. Session We use the iz_uh_ps cookie to store data about a user relating to the number of site visits and survey views, which enables us to make a decision about whether we should undertake a survey about the use of our site. Persistent		1 year	Informizely	https://www.informizely.com/data-protection
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
gid	This cookie is used to count unique visitors arriving on our website and measure usage of our products. If you consent to the cookie banner, we might share some information with third parties (e.g. gidID)	Persistent	1 year	No third parties involved	If you don’t want this cookie to persist and do not wish to be recognised as a return visitor, you can delete this cookie within your browser settings.
_dc_gtm_UA-#	This cookie is used to control how a Google Analytics script tag loads. This is a HTTP cookie whose data is deleted after a session.	Persistent	1 minute	Google Tag Manager	https://policies.google.com/privacy
_cltk	Registers statistical data on users' behaviour on the website. Used for internal analytics by the website operator.	Session	1 minute	Clarity
_pk_id#	This cookie is used to enable collection of statistics on user visit to the website anonymously. Information collected include pages read, average time spent and the number of visits.	Session	1 year	Piwik Analytics Platform	https://piwik.pro/privacy-policy/
_pk_ses#	This cookie is used to track the pages requested by the visitor in a session for use by Piwik Analytics Platform.	Session	30 minutes	Piwik Analytics Platform	https://piwik.pro/privacy-policy/
X-AB	This cookie is used by the website's operator in context with multi-variate testing. This is a tool used to combine or change content on the website. This allows the website to find the best variation/edition of the site.	Session	1 day	Snap
_ hjSessionUser _#	This cookie is set when a user first lands on a page.	Persistent	1 year	Hotjar	https://www.hotjar.com/legal/policies/privacy/
__mpq_8ba4a7a5182f05e0a79ded57d5d2f051_ev	This html_local_storage 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	-	Mixpanel	https://mixpanel.com/legal/privacy-overview/
__mpq_e605c449bdf99389fa3ba674d4f5d919_ev	This html_local_storage mp_#_mixpanel 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	-	Mixpanel	https://mixpanel.com/legal/privacy-overview/
_ab_blog	This cookie is used to provide AB testing functionality to a small subset of pages on the website. Ensuring user experience is consistent across website browsing sessions.	Persistent	13 days	-
_hjFirstSeen	This cookie is used to identify a new user’s first session.	Session	30 minutes	Hotjar	https://www.hotjar.com/legal/policies/privacy/
audit	This cookie is used to record cookie consent data.	Session	1 year	Rubycon Project	https://rubiconproject.com/privacy/
#collect	This cookie is a Google Analytics cookie used to send data such as visitor’s behavior and device to Google Analytics. It is able to keep track of the visitor across marketing channels and devices. It is a pixel tracker type cookie whose activity lasts within the browsing session.	Session	-	Google	https://policies.google.com/technologies/ads
hjSession#	This cookie is used to hold current session data only.	Session	30 minutes	Hotjar	https://www.hotjar.com/legal/policies/privacy/
CLID	This cookie is used to Identify the first-time when the provider Clarity saw this user on any site using Clarity.	Persistent	1 year	Hotjar
_ clsk	This cookie is used to connect multiple page views by a user into a single Clarity session recording.	Persistent	1 day	Clarity
_clck	Persists the Clarity User ID and preferences, unique to that site, on the browser. This ensures that behavior in subsequent visits to the same site will be attributed to the same user ID.	Persistent	1 year	Clarity
IDSYNC	IDSync is part of the mParticle identity framework used by Yahoo, enabling a unified view of customer journeys, with improved data governance, policy, and security.	Persistent	1 year	.analytics.yahoo.com
ab	This cookie is used by Neustar to collect data on user visits to a site, such as what pages have been accessed. The registered data is used to categorise the user’s interest and demographic profiles in terms of resales for targeted marketing.	Persistent	1 month	Neustar	https://www.home.neustar/privacy
_ hjIncludedInSessionSample	This cookie is set to determine if a user is included in the data sampling defined by your site's daily session limit.	Session	2 minutes	Hotjar	https://www.hotjar.com/legal/policies/privacy/
khaos	This cookie is used as an Internal user identifier used for analytics.	Persistent	1 year	Rubicon Project	https://rubiconproject.com/privacy/
piwik.php	This cookie is used to register statistical data on users' behaviour on the website. This cookie is also used for internal analytics by the website operator.	Session	-	Piwik
product_pages_visited	This cookie is used to change the webpage display depending on whether the user has previously visited this webpage .	Persistent	-	No third parties involved	-
AnalyticsSyncHistory	This cookie is used to store information about the time a sync took place with the lms_analytics cookie.	Persistent	1 month	.linkedin.com	Privacy policy
COOKIES THAT KEEP OUR MARKETING COSTS DOWN 
Meta (the owner of Facebook)	The fr, _fbp, _tr, AA003 and ATN cookies are used by Meta (the owner of Facebook) to collect hashed 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. Because the data is all hashed, Meta is unable to identify you unless have also created an account with them and agreed to their terms and conditions. The _fbc cookie used by (the owner of Facebook) to store reference to campaign/advertisement so Meta/Facebook can attribute this website visit to a particular click. For example, if a user registers on wise.com, we will share with Meta the following hashed information: name, email address, phone number, city, and zip code. If you have an account with a Meta product or service like Facebook, Meta will be able to identify you as the same user that has registered for Wise. If you don’t have an account, the hash is rendered useless, and as such ‘new’ information previously unknown to Facebook is not shared with Facebook. The data cannot be decrypted. In this example, we can measure the effectiveness of our Meta / Facebook advertising. It helps us understand how many users have registered with Wise via Meta products. 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.	Persistent	3 months	Meta (the owner of Facebook)	https://www.facebook.com/privacy/policy/
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/
Google Ads	We use the _gcl_au cookie to link Google advertisements to conversions made on our site. This cookie is also used by Google AdSense for experimenting with advertising efficiency across websites using their service. Persistent The ads/ga-audiences cookie is used by Google Adwordsinorder to re-engage visitors based on their online behaviour across various websites. Session We use the NID cookie to assign a unique ID number to a returning user’s device. This unique ID number is used for targeting advertisements to the user. Persistent		90 days	 Google
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
Twitter	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.	Persistent, session	30 days	Twitter	Twitter Cookie Policy
Twitter	The guest_id cookie is used on Twitter to help display tweets on the site, monitor referral links, used to identify those logged into Twitter and collect data related to the Twitter platform.	Persistent	2 years	Twitter	Twitter Cookie Policy
Yahoo	The B cookie lets us store data about a user in order to log conversions made from clicks on advertisements. In particular, this cookie enables us to collect statistical data related to the user's website visits, such as the number of visits, average time spent on a website and what pages have been loaded. This helps us better understand user behaviour and has the potential to increase efficiency in our marketing spend. Persistent 2 years The XB andpagead/conversion/1001035224 cookie is used by Yahoo to enable it to track Yahoo conversions. Persistent / session 6 days			Yahoo	https://policies.yahoo.com/xa/en/yahoo/privacy/index.htm
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/
Amazon Ads	The purpose of the ad-id cookie is to help us track conversions that can be attributed to advertising on Amazon properties. Persistent The purpose of the ad-privacy cookie is to store the opt-out status of a user, so no ads will be shown to them. Persistent The purpose of the sis-device-id cookie is to identify the browser you are using. Persistent		9 months	No third parties involved
Prospect Point Media	The purpose of the bpm_cookie and ppm_fpc cookie is to help us track conversions that can be attributed to advertising on Spotify and Pandora properties. Persistent The bito and bitoIsSecure cookies are used by Prospect Point Media to enable it to augment listener data in order to evaluate and improve the effectiveness of the Ad Airings it purchases on our behalf. Persistent		1 year	Prospect Point Media, Beeswax	http://blisspointmedia.com/privacy; https://www.beeswax.com/privacy/
Speedcurve	Track real user performance metrics for our websites. Session The lux_uid cookie is used by Speedcurve to track real user performance metrics across our websites. Session		30 Minutes	Speedcurve	https://speedcurve.readme.io/docs/data-protection-gdpr-compliance
gid	This cookie is used to count unique visitors to our website and to measure the use of our products. If you consent to the cookie banner, we might share some information with third parties (e.g. gidID).	Persistent	1 year	No third parties involved
guest_id_marketing	This cookie is used to detect whether a user is logged into Twitter, to help with sharing of content from Wise website.	-	2 year	Twitter	Privacy Policy
guest_id_ads	This cookie is used due to Twitter integration and sharing capabilities for the social media network and sharing capabilities within the Wise website.	-	2 year	Twitter	Privacy Policy
SRM_B	This cookie is used in conjunction with Bing services.	-	13 months	Atlas, c.bing.com	Privacy Policy
tuuid_lu	This cookie contains a unique visitor ID, which allows Bidswitch.com to track the visitor across multiple websites. This allows Bidswitch to optimize advertisement relevance and ensure that the visitor does not see the same ads multiple times.	-	1 year	bidswitch.net
tuuid	This cookie is used to identify individual users.	-	1 year	Platform161	Privacy Policy
UserMatchHistory	These cookies are associated with a B2B marketing platform, formerly known as Bizo, which is now owned by LinkedIn, the business networking platform. This sub-domain is connected with LinkedIn's marketing services that enable website owners to gain insight into types of users on their site based on LinkedIn profile data, to improve targeting.	-	30 days	LinkedIn	Privacy Policy
__pdst	This cookie is used to track Hubspots podcast advertising results.	-	1 year	Hubspot
PugT	This cookie is used to track when cookies were updated on the browser, in order to limit the number of calls to the server-side cookie store.	Persistent	30 days	Pubmatic	Privacy Policy
_uetvid	This cookie is used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.	-	13 months	Google Tag Manager	Privacy Policy
TDCPM	This cookie is used to register a unique ID that identifies a returning user’s device. The ID is used for targeted ads.	-	1 year	The Trade Desk, .adsrvr.org	Privacy Policy
lang	This cookie is used to remember a user's language setting to ensure LinkedIn.com displays in the language selected by the user in their settings.	Session	-	ads.linkedin.com
_rdt_uuid	This cookie is used to identify users who’ve seen the ads of Wise on Reddit so that we can run our ads more efficiently.	-	90 days	No third parties involved
KRTBCOOKIE_#	This cookie is used to correlate user IDs with those of their partners (such as demand side platform clients or other advertising technology companies). Pubmatic passes the information stored by the partner in this cookie to the partner when it is considering whether to purchase advertisements. This enables the partner to make better decisions about whether to display an advertisement to a site visitor.	-	90 days	Pubmatic	Privacy Policy
_fbp	This cookie is used to identify visitors for personalized advertising.	-	90 days	Facebook	Privacy Policy
CMID	This cookie is used to anonymously track a user, and to use the data used for targeted advertising.	Persistent	1 year	Casale Media	Privacy Policy
CMPS	This cookie is used to anonymously track a user, and to use the data used for targeted advertising.	Persistent	90 days	Casale Media	Privacy Policy
CMPRO	This cookie is used to anonymously track a user, and to use the data used for targeted advertising.	Persistent	90 days	Casale Media	Privacy Policy
uuid2	This cookie is used to buy, sell, and deliver online advertising, including interest-based advertising, mostly through real-time bidding.	-	90 days	App Nexus	Privacy Policy
_uetvid_exp	This cookie is used to contain the expiry-date for the cookie with corresponding name.	Persistent	-	Google Tag Manager	Privacy Policy
_uetsid_exp	This cookie is used to contain the expiry-date for the cookie with corresponding name.	Persistent	-	Google Tag Manager	Privacy Policy
IDE	This cookie is used to measure the conversion rate of ads presented to the user.	-	18 months	DoubleClick, Google	Privacy Policy
bcookie	This cookie is used to optimize the range of advertising on Linkedin.	-	1 year	Linkedin Ad Analytics	Privacy Policy
_uetsid	This cookie is used to collect data on visitor behaviour from multiple websites, in order to present more relevant advertisement This also allows the website to limit the number of times that they are shown the same advertisement.	Persistent	13 months	Bing (Microsoft)	Privacy Policy
test_cookie	This cookie is used to check if the user’s browser supports cookies.	Session	15 minutes	DoubleClick, Google	Privacy Policy
muc_ads	This cookie is used to collect data on user behaviour and interaction in order to optimize the website and make advertisement on the website more relevant.	-	2 years	Twitter, .t.co	Privacy Policy
TDID	This cookie is used to contain a unique randomly-generated value that enables the platform to distinguish browsers and devices.	-	1 year	The Trade Desk, .adsrvr.org	Privacy Policy
_uetvid	This cookie is used to track visitors on multiple websites, in order to present relevant advertisement based on the visitor's preferences.	Persistent	13 months	Bing (Microsoft)	Privacy Policy
t-ip	This cookie is used to track TV ad performance.	-	5 minutes	Tatari
ANONCHK	This cookie is used by Bing as a unique user identifier for users seeing bing ads.	-	10 minutes	Bing, .c.clarity.ms, Microsoft Corporation	Privacy Policy
lidc	This cookie is used to enable website owners to gain insight into types of users on their site based on LinkedIn profile data, to improve targeting.	-	1 day	LinkedIn	Privacy Policy
_uetsid_exp	This cookie is used to enable website owners to gain insight into types of users on their site based on LinkedIn profile data, to improve targeting.	-	1 day	LinkedIn	Privacy Policy
adal_out_queue_adalyserTracker_get	Used to track the visitor across multiple devices including TV. This is done in order to re-target the visitor through multiple channels.	Persistent	N/A	Adalyser	Privacy Policy
_yjsu_yjad	Used for tracking from Yahoo Japan.	Persistent	N/A	Yahoo Japan	Privacy Policy
__mpq_e605c449bdf99389fa3ba674d4f5d919_ev	Collects data on user behaviour and interaction in order to optimize the website and make advertisement on the website more relevant.	Persistent	N/A	Mixpanel	Privacy Policy
__mp_opt_in_out_e605c449bdf99389fa3ba674d4f5d919	Used to tell mixpanel whether tracking should be opted in or not.	Persistent	N/A	Mixpanel	Privacy Policy
_tq_id.TV-7290902709-1.649b	This cookie is used to track the effectiveness of our TV advertising. It does this by combining anonymous web data (sessions, page views, conversion timings) with TV advert air time data.	Persistent	2 years	TV Squared
c	This cookie is used to regulate synchronisation of user identification and exchange of user data between various ad services.	Persistent	1 year	Bidswitch	https://www.bidswitch.com/privacy-policy
A3	This cookie is set in third party websites and apps.	Persistent	1 year	Yahoo	Privacy policy
li_sugr	This cookie is used to make a probabilistic match of a user's identity outside the Designated Countries.	Persistent	3 months	.linkedin.com	Privacy policy
inforrmizely_ab	This cookie is used to handle A/B testing on informizely.	Persistent	N/A	informizely	Privacy policy
SIMILAR TECHNOLOGIES 
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.			Facebook	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.			Google	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.			Youtube	https://policies.google.com/privacy?hl=en&gl=uk
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