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Policies retrieved Oct 20, 2026 About these sources
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Finance
Wise lets consumers send, receive, hold, spend, and convert money across multiple currencies.
wise.com ↗U.S. adult consumer · plan and state unspecified
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Your Wise balance is not automatically FDIC-insured; eligible customers who opt into the interest feature may get coverage for USD swept to partner banks.
The agreement lets Wise end the contract and close your account or associated services at any time upon notice to you.
For covered disputes, either side may elect arbitration, and the terms waive jury trials and class or representative actions, subject to stated exceptions.
Some questions remain open in the saved text. Any supported findings appear below.
Some questions remain open in the saved text. Any supported findings appear below.
No supported finding to show here. This does not mean the policy has no downsides in this area.
The agreement lets Wise end the contract and close your account or associated services at any time upon notice to you.
For covered disputes, either side may elect arbitration, and the terms waive jury trials and class or representative actions, subject to stated exceptions.
The small-claims exception is limited to claims seeking only individual relief that remain in small-claims court. The stated arbitration rejection requires a personally signed notice received within 21 days after opening the account.
Some questions remain open in the saved text. Any supported findings appear below.
Your Wise balance is not automatically FDIC-insured; eligible customers who opt into the interest feature may get coverage for USD swept to partner banks.
The described FDIC coverage is limited to eligible customers who opt into the interest feature and to USD funds swept to participating banks.
The terms allow remittance cancellation within 30 minutes after payment and before payout; California and Washington customers may cancel until completion.
This applies to remittance transfers; California and Washington customers have the broader cancellation right described in the agreement.
If you pay by a chargeback-eligible method, the terms limit chargebacks to Wise breaches or unauthorized payments, not disputes with the recipient.
This restriction applies to transfers paid with a method that can be subject to chargeback.
During heightened foreign-exchange volatility, Wise may set a variable fee, which it says it will disclose when you set up the order.
The agreement does not say this fee applies to every order; it may apply during periods Wise determines involve heightened volatility or unpredictability.
Originally analyzed . The original date marks this service’s first saved analysis, including earlier report formats. This report was generated .
This report was generated from saved policy text and checked in a second automated review. Automated interpretation can still miss or misread terms. The source documents were retrieved on Oct 20, 2026. Policies may have changed since retrieval.
These supporting documents didn’t fit within this report’s reading limit. Their contents are not included in the findings.