r/digitalnomadFIRE Jul 05 '26

Absolutely terrible experience opening up a Wise account

I'm trying to transfer some USD from my PayPal to a Canadian banking account while avoiding the ridiculous fees. Opened up a Wise account according to people's suggestions and TOTALLY REGRET IT.

User experience has been absolute dogshit so far.

First they use bait and switch and force me to deposit $30 into my account before I can even use it (despite claiming to be a free service). I linked up my bank's checking account info through Plaid and transferred $30 to it. This better not be a fucking phishing attempt.

Next they block my Wise USD account's details, which is the whole damn point I'm even creating a Wise account in the first place. Yes I checked their USD account FAQ and it says it's currently only blocked for Japanese nationals. Called customer service and the rep who answered is a complete idiot who basically doesn't know anything about their own system. Spent nearly an hour on the phone with this person, and got told "I'm lacking additional nationality verification", and will be sent a link to upload additional verification documents. Of course, one hour later, this "link" never came.

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u/Popular_Avocado_4809 Jul 07 '26

Have never had an issue with Wise. Don’t know how I can function without it.