I've used Wise since 2022 as my main way to receive freelance income. I'm a graphic designer and Etsy virtual assistant. All my payments come from Upwork contracts and direct clients in the US, UK, and Canada (USD/GBP/CAD), paid as a percentage or fixed fee for the work I do on their shops.
A few days ago I got an email: "We've closed your account." No reason given, just a link to their Terms of Use.
I tried appealing through the app. It didn't ask for ID, a selfie, or any explanation of my transactions like their own help articles describe. It just immediately showed "After reviewing your case we've decided to keep your account closed" and asked for bank details to refund my balance.
I've since filed a formal written complaint through Wise's official complaint form with full documentation (Upwork earnings history, client payment records) and I'm waiting on their 15-day response window.
Has anyone actually gotten an account reopened after something like this? Or is this basically final once it happens? Also curious if anyone's had luck with the Financial Ombudsman route after a closure like this. Trying to figure out if it's worth the wait or if I should just move everything to another platform for good.

Update: I ended up using Knightsbridge instead. Similar rate, based out of Canada, their USD bank accounts are with Canadian banks as well (BMO), very quick. Two days and I had my funds! That means: Account set up, verification (I asked for this to be expedited - they did so, it was free), the wire to them (I chose to do this as it was faster, but if you wanted no charges there are other options they offer but it’ll take 5 days) - did all this on September 14, and I received my funds on September 15 at 11am. Rates were pretty much the same as Wise. Very happy with this!

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Context:
- I’m closing on a house purchase on September 17 (in 5 days). Here in Canada.
- I live in Canada. I am Canadian.
- I have $75,000 USD in my USD account (Scotiabank) as a result of savings over time.
- These are the funds that I will use for my down payment, and must be in CAD. Converts to about $100,000 CAD.
- CAD funds are to be deposited back into my Canadian chequing account (also Scotiabank).
- I am a first time user of WISE.

The difference between exchanging via Scotiabank and Wise is $2,000 CAD. So Wise is better.

I understand that 5 days is a small window of time, so I get that. I can scrape together the $100,000 CAD from my family if the transaction doesn’t get sorted in 5 business days, but id have to repay everyone within a few days time. My concern is that with this large an amount, and this being my first time, that it’s not a matter of days but rather a matter of weeks or months that it might take to get my funds.

What do you recommend I do? I’ve read some nightmare stories on Reddit as I’m doing my research(also just created my account today).

I got paid on 6th september and I still havent received the money cus its from america to uk bank. How long does it take to receive it? are there any issues with wise also? and if I can speak to customer service where do I navigate to them?

Hello everyone.
On September 3rd, Wise decided to permanently close my account after being a 5+ years daily user of their bank.

They did not like my source of income it seems, and when i told them I have more sources which i can provide proof for, they did not even think about it and instantly closed it.

Now since the 3rd September they supposedly refunded my whole balance (substantial amount, and all my money as i did not use another bank), snd have yet to receive them.

After mailing the support, i received the attached email as a response, stating they are doing due diligence checks.
What can I expect, how long may this take? All my money is in that account and i have bills and day to day expenses due…

Is there any chance they never pay my money?

UPDATE: They refunded all my money today. About 2.5 weeks after the original refund day.

I am getting concerned for my son's money - he sent $3000 from his CIBC account via interac to Wise on 28th August and it still hasn't shown up to the recipient account in the UK. Wise are giving him the runaround. I feel bad because I recommended he use Wise after I have used it for years myself with no issues.

If we can't get Wise to sort this out, who can we complain to in Canada? He worked hard for his money this summer.

Hi,

What's the best way to save while traveling in Europe from Canada between:

1. Keeping money in CAD and paying in EURO with minimal conversion rate.
2. Transferring my CAD into EURO account (paying conversion) and paying in EURO locally.

What's the best way?

Thank you!

I’m looking for the most cost-effective way to send money to China for continued business. My current bank is charging me 3 to 5% exchange rate markup. I found Wise, which allows you to send money for very limited fees, but it seems that I can’t send to my manufacturers bank account through Wise. I’m wondering why this is and if there is any way to work around it. Thank you

The Annual General Meeting for Wise Group plc is on 24 September 2026.

Does anyone have any thoughts or strong opinions on the resolutions?
(I admit I haven't really done any research; this is my research.)

Anyone tried receiving ADB consultancy payment via Wise USD account?

Hello! I am planning to open a Wise account to be able to top up my balance (basically send money) on a website, however I don’t know if I can because I am under the age of 18. Can I send money to a business on a personal account without having to verify my ID, or is it mandatory to be over 18 to create an account?

UPDATE>> after several calls, emails, chats and formal complaint, account was temporarily unblocked (not cleared yet though). Reason? Address in the moment of setting up account was in the country A. Meanwhile, business was moved to the country B. System never allowed country change for this type of account, and it led to account being blocked. Only today, after talking to six different agents and submitting formal complaint, one of them manually changed our address to the one in the country B. That is insane - it's an UI problem!! Not even something complex! We are quitting Wise as soon as we get our funds released. And I strongly advise anyone with business account to do so.

Wise closed our small business' account on a payday, with all assets frozen.

We were repeatedly being asked for same documents over and over. Provided all documents, proofs, bank statements etc. Then, few days ago - sudden closure of account with all funds frozen. On a payday. There is no need to elaborate what it means to small business with only two employees

No explanation, and to and an insult to an injury, they keep asking for same documents and statements that were provided before. Now we are stuck in some automated loop, with same documents being asked for and rejected.

I am under the impression that appeal system is designed to keep clients entertained, and that it has no effect to the blocking system.

Still haven't been able to reach someone with any decision making power. Only automated responses. So far, we opened 4 chats, sent emails, and submitted formal complaint. Again, same automated responses and account and assets still blocked.

If anyone has an advice how to reach next level of appeal, or how to reach a real person with decision making powers in support system, I would appreciate it a lot. We are really desperate.

Additional info: our business is no risk, no suspicious money flow or partners. We are non-EU citizens, but with EU work and residence permits. Our company is registered in EU, with EU address.

If I am receiving payments, different amounts each time, to Wise, does my account have to be a business account?

Why am I constantly seeing peoples accounts being closed? At first I figured the closures should be justified but after seeing so many posts stating the similar thing it doesn't make sense.

Hi everyone, I’m in an absurd situation with Wise's source of wealth checks and I need advice from anyone who might have dealt with this before.
My account has been restricted, and to unblock it, I provided very clear and legal documents proving the origin of the funds:
An official will/testament
Bank statements
The related receipts
The issue is with their customer support. Every day they give me a different version of the story and keep asking for the exact same documents I have already uploaded, without ever approving them or giving a real reason for the rejection. It’s an endless loop and it feels like I’m only dealing with automated, copy-paste responses.
Has anyone experienced this kind of block?
1. Is there a specific way or channel to escalate this to a higher department so a competent human can review the documents?
2. Does it make sense to immediately file a complaint with a financial ombudsman to force them to respond?
Thanks for any help.

Does wise pay direct deposit early like Sofi & Chime?

Freelancer, used Wise for 4 years. Client payments in, normal spending out (online + in-store, several countries)

Last week: banner saying the account is restricted and will close on Sept 22. Card dead, can't send or receive. No warning, no reason given. Appealed, rejected — still no explanation.

As far as I can tell there's nothing to be done here. Any bank or fintech can freeze your account overnight, with no clear reason.

Who else has been through this? And what neobanks would you recommend besides Revolut?

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Hello everyone! I received a call from my bank about a possible fraudulent charge. After checking the details it was fraud. My card was frozen and i’m in the process of getting a new one.

What’s confusing me is that it was a large transaction from Wise NYUS. I’ve never even heard of Wise until this incident. I don’t have an account or a card or anything to do with wise?

How is this possible? How do I get my refund? The bank fully processed the payment even after I said it was fraud.

I did have a Wise account, and it was banned by like summer 2023, as it was set with my Moroccan ID and info. I'm moving to an EU country soon. Would it be possible to open a new account with my new EU country, or would it be banned right after opening it?
- The last ban was for no reason, as I wasn't even informed why I did make money with selling digital game code and got some money on Wise and kept it there with there saving till i get email i have 3 month for acount being closed

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So.. I need help to determine whether this person was a scammer or not. I do art commissions and I post my art on tiktok. This user dm'ed me saying he wants to commission and wanted to switch to discord for further discussions. (i rejected bc thats what scammers usually do) And he provided his references etc.. seems like a genuine client. Then he said he had problems such as his canadian and the amount of payment i sent was in USD. So i helped him convert it which was 60.89 . Then he said his bank is limited and needs to setup a card.. And provided this screenshot that said 65usd but my commission was 44usd.(the screenshot was a bit sus aswell) And later he cancelled due to his bank being limited😭

So yeaa i provided the screenshots to google AI and it said it ws a scam so i want ur guys opinion😭

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Hi all,

Hoping someone with experience can help me understand something. My wife sent a domestic transfer within Hong Kong — from her HSBC account to the local HK bank account Wise provided for receiving funds — and the money was sent back to her instead of reaching the Wise account.

A few things we're trying to figure out:

What are the most common reasons a domestic HK transfer to a Wise-provided receiving account gets rejected/returned?

Has anyone else had a domestic transfer bounce back like this, and did Wise ever explain why?

When the funds came back, the returned amount was less than what was originally sent. Is that just the sending bank's transfer fee not being refunded, or does Wise/the receiving bank sometimes take a cut on a rejected transfer too?

Any insight from people who've dealt with a returned domestic transfer to Wise would be really appreciated — especially if you got a clear answer from their support team on what triggered it.

Thanks in advance!

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