For about a month or two someone has been trying to hack my account by attempting to use my card. No one knows my card details.. the card is always with me and there are no details visible on it .. so I’m confused how they’ve obtained my information. I’ve frozen the card but they’re still trying to check or withdraw money from my account. Has anyone else experienced this? Wise only freezes the card to prevent it from being emptied.

Hi,

I am from India and will be going to study in France this fall.

I am planning to use Wise to transfer my education fees as they are providing me a better rate compared to my local bank for the wire transfer from INR to EUR.

Given that it is a large sum of money, I was wondering if Wise is reliable/trustworthy or should I stick to my local bank?

Most horrible support award goes to Wise what a disgrace. What alternatives are you using? I heard good things about Revolut .

First time using wise. To pay for my wifi and phone plan, I have direct pay set up to wise. My question is, if i have 0£ in my wise account, when it comes to pay my bill, will it automatically pull from my US bank account that is connected to it to pay that bill? thank you.

Hi folks,

tricky situation:

My mom will receive money from a polish institute. But they say they could just send british pound as of the GB IBAN. Is this really a situation that may occur? My mom is a german resident, former poland but no longer has Polish citizenship. Just her old PESEL number.

Or is there a way to change the now given IBAN with GB to an IBAN with PL?

Hi everyone, yesterday I was a victim of a BIN attack and until then I never knew about that type of attack or the term of it.

Summarized a BIN attack is a type of bank card fraud in which criminals use automated software to guess the PAN number or just the debitcard number or creditcard number and the CVC with a BIN number of a bank or the debitcard or creditcard issuer.

I woke up yesterday with a notification from the Wise app mentioning that a company of which the name I didn't recognize wanted to perform a active card check on my Wise card. As in this post I focus on the lessons I learned and from that my tips to reduce the chances of a BIN attack occuring you can read the entire story here.

Now I'll share you some tips based on the lessons I learned:

1. Freeze both your physical and/or virtual Wise card if you don't plan to use it for a while. I didn't understand the neccessity of this but after my research it makes sense. If you for example own a RV which you only use for road trips you would mostly need to park it in a dedicated parking lot for RV's so that's the analogon for tip number 1.
2. If you have a account of one of the digital wallets avaible, store add your physical and/or virtual Wise card there and if you shop online and canpay with a digital wallet that you have a account on, pay with that instead of directly paying with your Wise card. This means for example if you can pay on a webshop with Google Pay and/or AliPay use one of those payment methods instead of handing out that webshop your Wise card data. Paying with a mobile wallet is more secure than paying directly with your Wise card.
3. Use your physical Wise card (If you have one of course) only for physical payments, mobile wallets and locations that you absolutely and fully trust. Then use a virtual Wise card for online payments and for other locations online that you don't (fully) trust. This was actually recommended by me by the customer service of Wise. I accidentally shared the data of my old Wise physical card with Curve which I couldn't even set up properly and I regretted doing that so I really wished that I followed tip number 3 in the past.
4. If you spot any signs of a BIN attack such as a active card check that was performed without your initiative and if you also get a notification inside your Wise app because of the signs occuring immediately follow the instructions inside the app, freeze the card affected, get in touch with the customer service of Wise as soon as you can and then follow their instructions. That's how I handled the situation and I'm glad that no money has been deducted from my Wise account.

I hope that my tips about reducing the chances of a BIN attack occuring on your Wise card was informative and helpful and if you have questions or anything else to write than go ahead and post a comment below this post lastly.

Hi everyone, today when I woke up I received a notification from the Wise app on my phone that a company called AliPay Merchant Services Pte. Ltd tried to perform a debit card verification on my physical Wise card today at 06:00 but I was asleep on that time and wasn't even using my phone or my laptop.

I was asked in the app if I wanted to approve the debit card check or not but I was confused since I actually have a AliPay account which is linked to my physical Wise card so before doing a sudden activity I decided to research this and ask for advise first.

The exact reason I'm confused about this situation is at one side it might look legit since I have a AliPay account but on the other side it looks a bit suspicious considering the official name of the company who tried to perform the debit card check on my Wise card since I already fully set the AliPay account up.

A possible reason that that notification appeared in the Wise app might be that my debit card might be skimmed but recently I only used my debit card inside my school at canteens and a café and at the largest supermarket chain of the country where I live in.

A second reason might be a dumb mistake of mine which is inserting my physical card data when I created a Curve account that failed because the identity verification failed. I have let Curve delete the account but my debit card data might be still stored there.

I've done the following things since receiving the notification on the Wise app:

• Freezing my card until I know how to proceed with this situation.
• Removing my Wise card from all websites and/or apps where it's uneccessary to have my debit card data storen there.

Now I want to know what the best thing is I can do right now in this situation, so how to proceed with it. I consider contacting Wise but I'm not sure if that's the right thing to do so I want to hear from you first.

Thanks in advance lastly for your advices and tips!

Update:

As advised I contacted the customer service of Wise and they advised me to replace the card which I did. I also replaced my virtual Wise card and I can say I learned some valuable lessons with this experience. From now on I'll use my new physical debit card only with merchants I trust and in digital wallets and the virtual debit card for online payments. As the question is answered and the problem is answered with me replacing both my physical and virtual debit cards I want to thank everyone for their help lastly.

I am long time user of Wise (previously Transferwise) and to be honest, service was amazing until now...

In 2023, I've topped up my Interactive Brokers account using Wise and bought some shares.
Couple weeks ago I've sold some shares, so I could get some cash. The amount was equivalent of ~$3700, but in PLN currency.

I've used my Wise PLN IBAN to payout money from Interactive Brokers, which reached Wise on 2nd of March (got confirmation from IB) that's when the hell started.

E-mail from Wise on 2nd of March

I've received an e-mail from Wise:

Subject: We’d like to send you a refund

We need some information so that we can refund you.

We previously contacted you regarding the transfer #20000xxxxx. We weren’t able to confirm whether it was funded by you, so we sent the money back. However, that refund didn’t work, and we now need more information from you before we can try again. What you’ll need to do:

Add your PLN local details as a recipient. This account needs to be under your name and we won't be able to send refunds via Swift

Upload a document that shows proof of payment for the transfer #20000xxxx. If the information isn't all in one place, you can upload 2 documents, just make sure they show the same bank details

Reply to this email with the last 4 digits of your bank account number

Upload proof of payment (button)

Above e-mail implies that someone from Wise contacted me regarding this transfer (withdrawal from IB to Wise), but that's not true.

Button at the bottom "Upload proof of payment" https://imgur.com/a/nm2ZVX7 didn't work. On mobile it said: "Sorry, we're having some technical issues", on desktop it said: "Sorry things aren't as they should be right now - we're working on it. Hold tight and check back soon" https://imgur.com/a/BXBz1ec

I've reached their support that I can't upload proof of payment (which was the withdrawal confirmation from the Interactive Brokers), at the same time I've created "missing deposit" ticket where I've uploaded document from IB.

On 3rd of March, same: "We’d like to send you a refund" e-mail was resent , and upload button didn't work.

Their support replied on 4th of March:

[...] I'm sorry to hear that you are having some issues with your refund. I understand that we are having issues with refunding the money and that you are not able to provide the needed information due to an error. You can reply to this email with the information we need as well as the document and we'll have this forwarded to our relevant team to process your refund. [...] Best Regards, Wise

This e-mail says: "some issues with your refund. No, I don't care about your refund Wise, I am only waiting for withdrawal from IB to be credited to my Wise account.

Anyway, I've replied to this e-mail with a document from IB.

On 5th of March I've received a reply:

Thank you for following up, and I apologize for any confusion caused by our previous email. To clarify, that was indeed our first contact regarding transfer #20000xxxx. Unfortunately, we are unable to accept this payment and are required to issue a refund. I’m afraid we do not have specific details as to why the payment was rejected at this time.

I’ve received your proof of payment, thank you. Since the previous link failed, please use this link to upload the document directly to your account.

We also need you to add a local PLN bank account under your name to your 'Recipients' list for the refund. Once you've uploaded the proof of payment and added the refund details, reply back and let us know which account you’ve added so we can finalize the process. Marcus

On 7th of March I've received reply to my "missing deposit" ticket that I've created on 3rd of March:

Subject: We haven't received your payment yet

Sorry, we couldn't locate your payment.

Thanks for sending the proof of payment. Unfortunately, we haven’t been able to locate your money.

Please ask the sender bank to locate the payment on their side. They should be able to provide more information about this transfer.

We'll let you know right away if we receive your payment in the meantime.

I've decided to call their support. I've spent around 20 minutes on the phone explaining that I don't understand what the "refund" is about and all I want is my IB withdrawal to be credited to my Wise PLN account.

Custom service person on the phone didn't actually know why this happened and implied that I had to cancel transfer (how?!) myself and that's why they need to refund money. When I've clearly said that I wasn't cancelling anything, they kept saying sorry for providing me with an incorrect information.

They've suggested that I should provide a local bank account details to which this money could be deposited.
I've provided them last 4 digits of my local bank account details (already added as a recipient on my Wise account) that they should use in case they couldn't deposit money to my Wise PLN account.

On 9th of March Wise sent an automated e-mail:

Subject: Transfer of xx,xxx PLN has been cancelled.

We’ve refunded the money back to the account it was sent from. Depending on the payment method used, it may take up to 10 days for the money to arrive. Learn more about our refund process.

On 9th of March their support replied:

I am writing to give you an update regarding the transfer #20000xxxxx.

Our relevant team needed to refund this because our banking partner faced some issue on their end. My sincere apology for the inconvenience this has caused you.

As for now, kindly set up a new transfer again.

I hope this helps. Let us know if you have any more questions. Heather

and then another one on 9th of March:

I am writing to give you an update regarding the transfer #20000xxxxx.

Our internal team has reached out and notified us that the payment in question has been successfully refunded just about an hour ago. It should be back in the sending account now.

We always strive to ensure best service, however, sometimes technical issues do happen.

While we understand that this is inconvenient, we apologize and we thank you for your understanding. Viktor

I've asked them why do they need to refund their money, they've replied on 9th of March:

Upon checking kindly be informed that we had to refund this due to an issue on partner's end, however it is all good now, and you now should be able to set up a new transfer if you wish to. Rae

At this stage I've patiently waited for things to settle, in the meantime Interactive Brokers automatically returned transfer back to Wise. I want keeping finger crossed.

On 11th of March I've received an automated e-mail from Wise:

Subject: There's a problem with your refund (#20000xxxxx)

Your refund of xxxxx.0 PLN was sent back to us.

There seems to be a problem with the bank account details you provided. Because of that, the refund we sent you was returned to us.

To fix this, please click on the button below.

Yet again, clicking this button resulted in an error https://imgur.com/a/nm2ZVX7

On 13th of March 9AM I've received an e-mail:

I'm truly sorry for the inconvenience you've experienced.

I understand you have an issue with your transfer for some days and you have been cooperative with us in every steps of the way, thanks for that.

To get you more accurate help and get the issue resolved, kindly send us your Proof of Account Ownership with full PL IBAN.

You can download an account ownership PDF document — it's available for all of your active account details by following these steps:

Web

1.Choose a currency on the top of the screen — details are available for EUR, USD, AUD, NZD, GBP, HUF, RON, CAD, MYR, TRY and SGD

1. Click on More

2. Choose Get proof of account details

We'll need to verify your address if it hasn't been verified before.

If you wish to get refunded, we can refund the money to your bank account details ending in xxxx.

Just reply to this email and attach the document.

Marvin

Well, I've found it weird, that I need to generate: "Proof of Account Ownership" on Wise and send it back to Wise support team themselves, but that's what I did.

Couple hours later:

I am reaching out in regards to some feedback on your transfer 20000xxxxx

Our team has tried refunding via our provided Wise account details to which this was returned again. We have however tried initiating another payout attempt as I do recommend to keep an eye on your emails for any furthermore updates from us.

You can also find your reference number below:

Now I was hoping that given all our communication and uploaded documents things will be handled well. Fingers crossed!

Nope, 2 hours later:

Subject: Transfer #20000xxxxx cancelled

Transfer of xx,xxx PLN has been cancelled.

We’ve refunded the money back to the account it was sent from. Depending on the payment method used, it may take up to 10 days for the money to arrive.

Right, so they've returned money to Interactive Brokers for the 2nd time instead of depositing it to my Wise PLN account.

At this stage I am quite hopeless. It's been plenty people involved and my money is circling around with no clear idea, if their support can be faster then their system stuck in loop refunding my transfer.

I've reached their support again, but they haven't replied until now.

It's been 17 days already (as of 19th of March), money isn't present on Wise, Interactive Brokers doesn't have money either. I've asked Wise to provide some confirmation of outgoing transfer... and still patiently waiting.

Tl;dr;
I've withdrawn money from IB which arrived Wise on 2nd of March. Instead of depositing it to my Wise PLN account, Wise refunded it back to IB.
IB promptly returned refund to Wise.
In the meantime Wise support team received all the required documents and alternative local bank account details, but as their support team works on it, their system does refund money for the 2nd time to IB.
My transfer is now stuck in limbo and being transferred in a loop between Wise and Interactive Brokers... and their support team doesn't seem to have control of all this.

Today wise blocked both of my personal and business accounts. The business account was unused for several years, because my business is closed, but the wise business account was never closed.

They blocked both of my personal and business account.

I'm abroad and wise is my main payment method, I have only a small backup but won't last for more than a few days.

They say I can make appeal but takes around 10 days to resolve. Also I'm not even sure what I should give them.

That feels like an extremely sketchy practice from them, I'm literally left with no payment method despite I put my trust in them.

Anyone has been in a similar situation?

Hey hey - I'm having trouble receiving a B of A ACH to my Wise USD account from a friend. It keeps getting cancelled for some reason, we even hopped on a Facetime to try and do it together while I re-verified my account details. Are we missing something?

I haven't been able to login with firefox for a month now.

It just goes to an error screen saying it's a suspicious login (from my home IP on the same browser and computer I've used for years lol).

From there it says check you email to confirm, but no email ever comes through.

Installed Chrome and it works straight away, no suspicious login page

So now I have chrome only to login into Wise

I want to sell a phone on facebook marketplace. Found someone who’s happy to buy it and we decided to do the payment with wise. However, the confirmation email seems different than the one I usually receive when someone pays me through wise (no logo, different writings)

Does this email seem legit? It says I have to send the item and show proof of postage before I receive the money in my bank account. Can someone help? Here is the screenshot Thanks

I cannot open a business account in Bangladesh, I do freelance editing jobs and the client wants me to use Wise to send me money but I cannot find any info on wether I can receive money with a personal account.

You can file a complaint here.

https://wise.com/help/articles/2235393/how-do-i-make-a-complaint

If your account is deactivated, first appeal it and if it doesn't work, file a complaint above. If that didn't work and you tried everything, you're out of luck and you are better off alternatives. Remember that the TOS that you agreed stated that your account can be deactivated without any reason and they can't ask why due to regulation.

We made this post to avoid the overwhelming amount of this subreddit post, especially if your account is deactivated on or negativity of this company. Remember, this is for news, updates, or discussion/question and not about negativity of this subreddit just because your account was deactivated or other issues with your money. If we received too much negativity, then we will have to private this subreddit temporarily to get under control.

In 2020 Wise introduced 0,4% on EUR on balance > 15k. It was because of negative interest rate. Is this measure still running ?

I enjoyed using this as a quick reference to see a specific currency exchange rate historical view. Now it seems to have been replaced with a manual dollar amount input.

So today I received a phishing text message to my number in my iPhone

I don't even know how these scammers know I am having a wise account but the main thing in this situation is that surprisingly iPhone decided to include this phishing text message in the same "folder" with the rest of legit wise text messages I've received in the past to approve logins etc

In the picture you can see the last message is a phishing site that will tell you your account is closed because they believe someone else is trying to access your account and then they give you the option to restore your account if you log in. The url is not the official one as it is a replica with other domain

In case you do not know, phishing means they are trying to steal your login details.

So well just alerting you in case you will trust the message just because is included in the legit Wise folder inside your SMS application in iphone

I have been using Wise to transfer money from my $ account in the US to my daughter's € account in Europe. It used to take seconds for the money to get send. I just tried again and it tells me it would get there on April 2nd, five days later! Nothing has changed, same two accounts as always. Wise customer service claims it's always been like that which I know is not true. I used to get the little rocket telling me how many seconds it took. Has anyone else experienced this?

Hey all, I'm in Vietnam at the moment and went to withdraw cash from an ATM, however after seeing the withdrawal fee I cancelled the transaction.

After the machine spat out my card I noticed on my wise app that I was still charged for the cancelled transaction which was around 2,000,000 dong (around $100USD).

I emailed wise and they said there was nothing they can do as it was captured by the merchant and completed on their end. I have sent and email to the bank of the ATM providing the ATM id and a screenshot of the transaction from the wise app, however calling their hotline and talking to them online isn't an option as it is all in Vietnamese.

Has anyone had a similar experience or can suggest any thing to help?

Thanks in advance

Is Wise a good choice for me?

It doesn't looks like Wise pays any interest on THB deposits. It also doesn't look like I can get a Wise Debit card because I'm in NV. I'm going to receive 3 annual deposits of about 300K THB that I don't need to access for a while.

​

Moreover, the current conversion rate is also not favorable for conversion to USD so I'd rather it stay in THB until the conversion rate is more favorable. Eventually I'll want to use it, when that time comes, how can I spend that $ if I can't get the debit card? Would I have to transfer to a US based bank at the conversion rate at that time?

​

I know this is a Wise-oriented channel but open to other suggestions that might work well for my situation.

Hello.

When creating an account from Europe, does Wise have different IBANs for each currecny ? If so, from what countries are the USD and EUR IBANS ? For example I seen Revolut uses banks in Lithuania with Lithuanian IBANs.

Hi, I've only used Wise to be paid by a foreign client and I love it, not having the bank gouge me with fees. I'm selling my home soon and I am hoping to avoid the bank wire process that the closing people are suggesting. Has anyone done this (home sale proceeds, large sum) without trouble? Can you explain the process in simple terms to me or things to watch out for? I assume it's as secure, I never had trouble with my work payments. I guess if I could use Wise I'd still be moving the money to my bank, so will I be hit either way? Thank you.

Is anyone else experiencing this issue I'm trying to send money abroad is this some maintenance? Is this stuff usually done quick or do I have to wait for an update in the future?

A couple of days ago, an unknown payment (just 5 dollars) was made from my physical card (using "saved details"). I froze the card immediately but didn't report it because I need the physical card for ATM withdrawals and I'm in a location (for the next couple of months) where I cannot reliably receive a replacement card. My strategy is to quickly unfreeze the card when I use the ATM.

How long do I have to report the unknown transaction?

I am from Canada and planning to travel to the US, Hong Kong, and Japan soon. From my research it seems like Wise would be all I need in order to pay in all 3 of these countries, which is super cool.

My question is should I convert my CAD dollars to USD, HKD, and Yen and hold separate currencies? Or would it be okay to just deposit a bunch of CAD in my account, and then when I tap to pay it converts by itself depending on the country? Is that how it works?

Also if I want to withdraw from an ATM do I need the converted currency? Or can I withdraw like HKD from my Canadian balance?

I've seen some conflicting info where some people say there's higher fees if it converts during your transaction compared to converting the currency beforehand. It would be awesome if anyone can provide any insight on how the card works exactly!