Payment company · complaint record
Is Wise legit?
Filed under TransferWise Ltd
Wise is a real payment company with a public complaint record: 2,187 complaints since 2016, and it is still answering them. It answered 96.5% on time and closed 12% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Average response record. How it works
What the record shows
Good signs
- Active and answeringIt took part in the complaint process as recently as Nov 10, 2026.
Red flags
- Many complaints mention fraud or scams349 complaints (16%) are about fraud or scams - often scammers using the company, not the company itself.
From the complaint record only. A company can be legitimate and still not be right for you; a company with few complaints may simply be small.
- Complaints on record
- 2,187
- Last 12 months
- 569
- Answered on time
- 96.5%
- Closed with relief
- 12%
- Last 30 days
- 36
- Rank
- #4 of 72
Since September 2016
+34% vs the year before
Industry: 98.1%
Typical payment company: 16%
Newest: Nov 10, 2026
Most complained-about payment apps & money transfer services
How to check Wise yourself
- Use contact details you found yourself. Go to the company's own website or the number on your card or statement - never a number or link from a text, email or caller.
- Check its licence. Lenders, servicers and money transmitters are usually licensed by the states - search NMLS Consumer Access and your state's financial regulator.
- Read the latest complaints. Look for the same problem again and again in the complaint log, and at how they were answered.
- Read people's own experiences. See what others say about Wise, and add yours.
- Get everything in writing before you pay, sign or share anything.
More: how to check if a company is legit · how to spot financial scams
Your rights with payment apps & money transfer services
For international transfers the Remittance Rule gives you 180 days to report an error and a right to cancel within 30 minutes in most cases. Payment apps that hold money in an account are generally covered by Regulation E for unauthorized transfers - report them quickly and in writing. Payments you authorized yourself, even to a scammer, are much harder to get back.
General information, not legal advice; rules vary by state. Plain-English guides
Experiences with Wise
AllHave you dealt with Wise? Tell people whether it was legit in your experience.
Share yoursQuestions people ask
Is Wise a real company?
Wise is a real payment company with a public complaint record: 2,187 complaints since 2016, and it is still answering them. It answered 96.5% on time and closed 12% with relief. A complaint record shows how a company treats people when things go wrong - it doesn't prove wrongdoing, and bigger companies get more complaints.
Is Wise a scam?
Its record shows a real payment company that answers complaints through the official process (96.5% on time). Scammers often pretend to be well-known companies, though: if someone contacts you claiming to be Wise, hang up or delete the message and contact the company using details you found yourself. Never send money to someone you only know online, to "yourself" at someone else's request, or to fix a problem with an account. Payment apps work like cash: once it's sent, it is usually gone.
Can I trust Wise?
Look at the trend and the answers rather than the total: Wise closed 12% of complaints with relief and complaints are rising. Read the experiences from people like you.
What should I do if Wise won't fix my problem?
Put it in writing to the company, keep copies, then file an official complaint - companies must answer. See what to do if a company ignores your complaint.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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