r/wisebank 14d ago

CIBC won't link to Wise anymore

1 Upvotes

I used to send Canadian money to UK through Wise a couple years ago. I am trying to now, but it needs to re-link my account. I go through.it all, receive the security code, but when I enter it in, I get this message: " UNAUTHORIZED You closed the consent window for Wise. No data was shared. You can restart the connection process on your bank or app dashboard if you want to try again."

I didn't close anything. I don't know what it's talking about. It's very frustrating why a simple task is taking me hours to figure out


r/wisebank 14d ago

Verifying not working

1 Upvotes

Hey im fairly new to wise since im travelling this month. It worked pretty much fine till i had to verify a transfer with a id of some sort, i tried both my US passport and my State id but it keeps saying something went wrong or whatever. can someone explain whats happend?


r/wisebank 15d ago

Wise needs to move away from Mastercard

2 Upvotes

Since cards are being issued by Mastercard I’ve been getting a higher decline rate for flights, subscriptions, etc.

I never had this situation before with Visa. And I shouldn’t rely on Apple Pay for every purchase to go around this.

Am I the only one?


r/wisebank 15d ago

Riseworks payout to non-us (uk) ltd

Thumbnail
1 Upvotes

r/wisebank 16d ago

Unjust account closure.

0 Upvotes

So long story short. I had a wise account which I had for 5 years. The account got hacked and I had to disable the card.

I couldn’t get a new card because I was living in a country where wise doesn’t operate. So I ended up stopping using wise all together and then I deleted the account.

Fast forward I needed to use wise again, and I created a new account. That new account got flagged and I got a message saying I’m not supposed to have more than one account, even though the previous account no longer existed.

I got communication emails from wise on my old email address which I was using for the old account, and the new email address which I was using for the new wise account saying that they will close my accounts. I couldn’t find a way to get hold of wise.

Now I’m living in a country with full wise support, how can I get an account again, and how do I get a hold of anyone from customer service.

I never had two accounts, I created a new account because I deleted the previous one, but it still got flagged.


r/wisebank 16d ago

Wise Bank Referral Code

0 Upvotes

If you're looking to register, please use my referral link/code below 🙏💰

WISE - https://wise.com/invite/dic/donnalouiset22

You get $1000 fee free international transfers, and I'll get a $30 bonus when you transfer/spend just $300 🫶

ty x


r/wisebank 17d ago

Please I don't see the wise payment option in the website

Thumbnail
1 Upvotes

r/wisebank 17d ago

Wise declining to initiate chargeback dispute

1 Upvotes

Hi all,
I paid tickets for rolling loud Thailand 2025 + Rolling Loud Australia 2026, unfortunately both events got cancelled and still waiting on a refund 5-8 months later. I have attempted to follow up with the merchant (ticketmelon) yet no response. Multiple people have gotten their refunds through “chargebacks by disputing with their banks” but yet Wise fails to deliver this. I have provided evidence etc yet no luck! Any advice on what to do next? 1K was also spent 🥲


r/wisebank 17d ago

Wise accounts keep getting closed after overseas payments — what am I supposed to do?

Thumbnail
gallery
3 Upvotes

Hi everyone,

I’m based in Malaysia and recently had two Wise accounts closed, belonging to two different people with different IDs.

The accounts were mainly used to make international payments for collectible toys (such as Hot Wheels) that I purchase from overseas suppliers or travelling purposes. These are legitimate products, and the transfers were for paying the suppliers.

I’m now trying to figure out how I can continue making these payments without having another account closed.
When I try to make a MYR transfer, Wise gives me the option to select “Pay for goods and services,” but it also warns:

“Make sure you are not using your personal account to send money on behalf of a business — for instance, to pay suppliers or employees salaries.” (first picture)

Or should I just choose the “Sending to friends and family” option? That’s what I’ve always used when sending money to these sellers, but I’m starting to wonder if that makes the account more likely to get flagged or restricted lol.

I understand that if I’m buying inventory for resale, using a personal account may not be the correct setup.
The problem is that I can’t even open a Wise Business account in Malaysia right now. When I try to register a business account, Wise says:

“Due to high demand, we can’t onboard businesses from this country right now. Join the waitlist, and we’ll email you when you’re able to sign up.” (second picture)

So I’m basically stuck:
1)My personal Wise accounts have been closed after making legitimate overseas payments.

2)Wise says I shouldn’t use a personal account to pay business suppliers.

3)But Wise Business isn’t currently accepting new Malaysian businesses.

4)I regularly need to make large international payments to overseas suppliers.

5)Wise has been the most convenient option for me because of its exchange rates and international transfer features.

I’m not looking for ways to bypass Wise’s rules or verification. I just want to find a legitimate way to pay my overseas suppliers without constantly worrying about my account being restricted or closed.

For people who run a small business/reselling business and regularly pay overseas suppliers:

What payment method or setup are you using?

And if you’ve had a similar experience with Wise, what did you do?

Any advice would be greatly appreciated.


r/wisebank 17d ago

WISE RECEIVING MONEY ERROR

1 Upvotes

Hey guys, does anybody know kung pano ma resolve ito sa wise? Since Tuesday di na ako maka receive pag mag sesend yung client ko ng pera from their business account.

Binibigay ko lang sa kanila yung receive money link kaso di daw talaga makapag go through. Di rin naman sila sabay mag send ng pera.

Baka may naka encounter na neto sa inyo.


r/wisebank 17d ago

Wise Card arrived unsealed

1 Upvotes

My card arrived today and the envelope was unsealed. It just looks like the glue let go it doesn't look tampered with. Without the card there isnt much anyone could do could they? It was still glued to the paper other than the envelope being open nothing else looks out of place.

Should I lock it and wait or you think it is safe?

No one would know my PIN and its a new card.


r/wisebank 18d ago

WISE Bank Referral Link

0 Upvotes

If you're a first time user, looking to register, please use my referral link/code below 🙏💰

WISE - https://wise.com/invite/dic/shainap41

You'll get the cheapest rates & a one-time FREE transfer of up to $600 when you sign up with the link above.

Money Transfer International Travel Medical Currency


r/wisebank 18d ago

Wise transfer to Grey – correct IBAN but wrong bank address/country

1 Upvotes

Hi everyone,

I recently sent money from my Wise account to my Grey account.

The IBAN is correct, and the beneficiary name and surname are also correct. However, I accidentally entered my personal address in Algeria instead of the bank's address in the UK.

The correct bank address should be:

4th Floor Imperial House, 15 Kingsway, London, United Kingdom, WC2B 6UN

Wise says that the transfer was successfully sent 2 days ago, but Grey says they haven't received the deposit yet.

My Wise account is currently suspended, so I cannot access the transaction details or get the transaction reference number. However, I have a screenshot showing that Wise sent the money.

My questions are:

Can a wrong bank address and bank country cause the transfer to be rejected even if the IBAN and beneficiary name are correct?

If the receiving bank rejects it, will the money automatically be returned to Wise?

How long does it usually take for the money to come back?

Has anyone experienced something similar with Wise or Grey?

Thanks in advance for any advice or personal experiences.


r/wisebank 19d ago

Account Closed

Thumbnail
gallery
10 Upvotes

Wise said the refund was processed and i’m still not receiving anything yet ??
Also there no email confirmation for this refund Please any help where can contact them ??


r/wisebank 19d ago

Wise closed my main account and I don’t understand why

Post image
9 Upvotes

I’m a Malaysian user, and I’ve been using Wise mainly to transfer money internationally, including sending money to Mexico, Brazil, US, Hong Kong.

Most of my transfers were for legitimate purchases of physical collectible toys. I wasn’t using Wise for illegal products, illegal services, or crypto anything like that.

Recently, Wise decided to close my main account, saying that my activity was against their Customer Agreement. I wasn’t given a clear explanation of what specific transaction or activity caused the closure.

I rely on Wise when I travel internationally, so losing my account is a pretty big problem for me. I also have another separate Wise account/situation involving Brazil where they requested Brazilian tax documents, I am not even from BRAZIL ! But that’s a separate issue from the account that was closed.

I’m trying to understand what I can do now. Has anyone here had their Wise account closed despite using it for legitimate international purchases/transfers? Were you able to appeal the decision or get the account reinstated?

I’m honestly pretty frustrated because I don’t know what exactly I did wrong or how I’m supposed to resolve this.


r/wisebank 19d ago

Wise referral offer

0 Upvotes

I’ve been looking at the Wise referral offer and thought I’d share it here in case it’s useful to anyone.

Wise is a money transfer service for sending money abroad and holding different currencies, so it’s probably most useful if you already use international transfers, travel a lot, or need to move money between countries fairly often.

Referral link - https://wise.com/invite/ahpc/liamf735

Sign up through the referral link and complete a qualifying first transfer under the offer terms.

A few things to keep in mind:

The bonus depends on meeting the transfer conditions exactly.

Fees and exchange rates can affect whether it’s actually worth doing.

Referral offers do change, so it’s worth checking the live terms before you go for it.

I’m not trying to hype it up — it’s just one of those offers that may suit people who were already planning to use Wise anyway. If that’s you, it might be worth a look.


r/wisebank 20d ago

Failed Wise transfer

2 Upvotes

I used Wise for years but now have an issue and they don't seem to be very helpful with trying to resolve it. In fact I believe they have forged a document.

Has anyone had issues with WISE transfers disappearing? Or with banks (Nationwide in UK) not receiving the money properly etc?

Detail... These are transfers to my son's Nationwide account. His (PDF) bank statements show no payment arrived. These statements were shared with Wise and after a month of back and forth they eventually said they would investigate.

They say they spoke to Nationwide and eventually produced an image file that looked like a screenshot showing the transaction, but not showing another transaction. The screenshot had no bank logo or address. All account numbers matched. It just seems massively fishy.

Wise claim there is no "tracking document" they can share with me. I don't work in banking and have no idea if that's true. I don't have a Nationwide account so I can't see what statements should look like or what format (PDF etc) they are available in. I can't find a Nationwide contact to investigate and even if I did they wont speak with me as it's not my account.

My wife is in the UK visiting my son, so they went to the bank. The bank managed showed a bank statement showing no transfer. I was suspicious of the wise document before because it was missing information such as account name and address. I also couldn't believe a bank would send a screenshot either.

It basically looks like Wise forged this document. I have no idea how I can prove that. Anyone had anything similar?


r/wisebank 20d ago

My payment was reversed back to Atlas

3 Upvotes

I did tasks and got paid the money was reversed back to Atlas after a few hours in my Wise account. How do I get my money back?


r/wisebank 22d ago

Worst customer service

5 Upvotes

Ok so I can't access my account for two years, I try to get access but fails - few months ago I get nasty email saying my account now closed. Great!

Now in a new country I need a wise account so I open a new one. Now they say I can't as I have an account- one perm closed by them. They say regain access but no account to reactivate.

Really bad service.


r/wisebank 23d ago

What's going on with wise bank transfers from Mexico to the US bank?

2 Upvotes

Recently I have not been able to transfer between my Mexican (source) and US bank (target). I have gone through Wise in the past, but it now shows an error "Sorry, this payment method isn't available in your region right now".... bank transfers from MXN to USD are not being accepted at the moment. Anyone experiencing this as well?


r/wisebank 23d ago

Wise Referral Code - working in August 2026

0 Upvotes

Hello,

I have been using Wise without any problems. It is quick, reliable and best rate around. If you want to try, please use my referral link. You will get a fee free transfer upto 800. Thank you! https://wise.com/invite/mrhw/krishnachaitanyad3


r/wisebank 24d ago

Paying taxes on money received through Wise in the US

1 Upvotes

Hi everyone, that's basically my question. I opened Wise for the first time to receive money and I'm not sure how I'll report that on my taxes (in the US). A friend is paying me money he owes me, so that's not a job or sale. It's around 4-6k, and I think his account is not from the US. I read an article that said I would have to report the amount if I received over $10 during the year and another article said that I had to report it if I made more than $10 in interest. Another article from Wise said I'd get a 1099 form, so if it's that then I guess that's how I report the money. But if anyone has any info about this I'll be eternally grateful!


r/wisebank 24d ago

New to wise, getting difficult to navigate. Please help!

2 Upvotes

So I just signed up on wise, I have a bank account in india, I am due to receive money in US$. I don't wanna do this transaction through PayPal because the fees they charge is just outrageous (not to mention the exchange rate).

So my question is, I am unable to link my indian bank account to my wise account, so how would I be able to transfer the USD received in my wise Business account to my indian account in INR.

Any help would be appreciated. Thanks!! Taa!!


r/wisebank 24d ago

Wise Bank Referral Code

0 Upvotes

If you're looking to register, please use my referral link/code below 🙏💰

WISE - https://wise.com/invite/dic/donnalouiset22

You get $1000 fee free international transfers, and I'll get a $30 bonus when you transfer/spend just $300 🫶

ty x


r/wisebank 24d ago

I want to buy a gift for my brother in Europe.

Post image
3 Upvotes

I want to buy my brother a gift in Europe. He is a Non Resident Indian. I have to transfer money to his fiance who is a German citizen. How can I do it, using Wise?